Quarterlytics / Industrials / Marine Shipping / SFL Corporation Ltd. / FY2021 Annual Report

SFL Corporation Ltd.
Annual Report 2021

SFL · NYSE Industrials
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FY2021 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

For the fiscal year ended

December 31, 2021

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

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)

James Ayers

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

(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.

 
 
 
 
 
None

(Title of Class)

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

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.

138,551,387   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

 
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

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30

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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 and currencies;
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;
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; 
any 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 Holding Limited, or 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; 
the adequacy of insurance coverage for inherent operational risks, and the Company’s 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;

ii

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the  supply  of  and  demand  for  oil  and  oil  products  and  vessels,  including  drilling  rigs,  comparable  to  ours,  including 
against  the  background  of  the  possibility  of  accelerated  climate  change  transition  worldwide,  including  shifts  in 
consumer demand for other energy resources could have an accelerated negative effect on the demand for oil and thus its 
transportation and drilling;
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 and resulting changes to trade patterns;
technological innovation in the sectors in which we operate and quality and efficiency requirements from customers;
technology risk associated with energy transition and fleet/systems rejuvenation to alternative propulsions;
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; 
the  impact  of  increasing  scrutiny  and  changing  expectations  from  investors,  lenders,  charterers  and  other  market 
participants with respect to our Environmental, Social and Governance (“ESG”) practices;
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 or other applicable regulations relating to bribery;
changes in the Company’s operating expenses, including bunker prices, drydocking and insurance costs;
fluctuations in currencies and interest rates and the impact of the discontinuance of the London Interbank Offered Rate 
for US Dollars, or LIBOR, after June 30, 2023 on any of our debt referencing 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, Golden Ocean 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  expected  redelivery  of  the  West  Hercules  to  us  in  the  second  half  of  2022  and  the  successful  implementation  of 
changes to the chartering and management structure of the West Linus, as more fully described in this annual report;
potential  liability  from  future  litigation,  including  litigation  related  to  claims  raised  by  public-interest  organizations  or 
activism with regard to failure to adapt or mitigate climate impact;
the withdrawal of the U.K. from the European Union and the potential negative effect on global economic conditions and 
financial markets;
increased cost of capital or limiting access to funding due to EU Taxonomy or relevant territorial taxonomy regulations; 
the length and severity of the ongoing 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  and  any 
noncompliance  with  the  amendments  by  the  International  Maritime  Organization  (“IMO”),  the  United  Nations  agency 
for maritime safety and the prevention of pollution by vessels, (the amendments hereinafter referred to as IMO 2020), to 
Annex VI to 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,  which  will  reduce  the 
maximum amount of sulfur that vessels may emit into the air and applies to us since January 1, 2020;
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 or international hostilities, including the recent conflict between Russia 
and Ukraine and potential physical disruption of shipping routes as a result thereof.

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. [RESERVED]

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,  freight  of 
rolling cargo, 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 24, 2022.

Risk Factors Summary

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

– 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 our 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.

1

 
– Risks Relating to our Company

Our Company is subject to a significant number of external and internal risks. As an entity incorporated in Bermuda with 
operations  in  different  jurisdictions,  markets  and  industries,  with  numerous  employees,  shareholders,  customers  and  other 
stakeholders  with  varying  interests,  we  engage  activities,  operations  and  actions  that  would  result  in  harming  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  risks.  The  market  price  of  our  common 
shares has historically been unpredictable and volatile. As a holding company, we depend on the ability of our subsidiaries to 
distribute funds to satisfy our financial and other obligations. As we are a foreign corporation, our shareholders may not have 
the same rights as a shareholder in a U.S. corporation may have. In addition, our shareholders may not be able to bring suit 
against us or enforce a judgement obtained in the U.S. against us since our offices and the majority of our assets are located 
outside  of  the  U.S.  Furthermore  sales  of  our  common  shares  or  conversions  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  risks  are  static  while  other  risks  may  change  and  will  vary  depending  on  global  and  corporate  developments  that  may 
occur now or in the future. The risk factors below identify risks relating to our industry, Company and common shares. These 
risks may not cover all and future applicable risk factors applicable to the Company.

Risks Relating to Our Industry

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

The international seaborne transportation industry is both cyclical and volatile in terms of charter hire rates and profitability. 
The degree of charter hire rate volatility for vessels has varied widely. Fluctuations in charter hire rates result from changes in 
the  supply  of  and  demand  for  vessel  capacity  and  changes  in  the  supply  of  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 
charter hire rates are low, our revenues and earnings will be adversely affected. In addition, a decline in charter hire 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:

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supply  of  and  demand  for  energy  resources,  commodities,  and  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;

changes  in  the  production  levels  of  crude  oil  (including  in  particular  production  by  OPEC,  the  U.S.  and  other  key 
producers);

the  location  of  consuming  regions  for  energy  resources,  commodities,  semi-finished  and  finished  consumer  and 
industrial products;

the location of regional and global exploration, production and manufacturing facilities;

competition from, supply of and demand for alternative sources of energy;

the globalization of production and manufacturing;

global  and  regional  economic  and  political  conditions,  developments  in  international  trade  and  fluctuations  in 
industrial and agricultural production; 
economic slowdowns caused by public health events such as the ongoing COVID-19 pandemic;
disruptions and developments in international trade;
regional availability of refining capacity and inventories;

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changes in seaborne and other transportation patterns, including the distance cargo is transported by sea, changes in the 
price of crude oil and related benchmarks, and changes in trade patterns;

changes  in  governmental  and  maritime  self-regulatory  organizations’  rules  and  regulations  or  actions  taken  by 
regulatory authorities;

environmental  concerns  and  uncertainty  around  new  regulations  in  relation  to,  amongst  others,  new  technologies 
which may delay the ordering of new vessels;

international sanctions, embargoes, import and export restrictions, nationalizations, piracy, terrorist attacks and armed 
conflicts, including the recent conflict in the Ukraine region;

changes in government subsidies of shipbuilding;

construction or expansion of new or existing pipelines or railways; and

currency exchange rates, most importantly versus USD.

Demand  for  our  vessels  and  charter  hire  rates  are  dependent  upon,  among  other  things,  seasonal  and  regional  changes  in 
demand and changes to the capacity of the world fleet. We also 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 hire rates, and therefore 
have a material adverse effect on our business, results of operations and ability to pay dividends. In addition, the introduction 
from January 1, 2020 of a global sulfur cap on fuels has increased fuel costs and led to a two-tiered market, by reducing the 
demand for vessels that are not equipped with exhaust gas scrubbers or that have a high relative fuel consumption. Please refer 
to the Risk Factor below: “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.”

Factors that influence the supply of vessel capacity include:

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the  number  and  size  of  newbuilding  orders  and  deliveries,  as  may  be  impacted  by  the  availability  of  financing  for 
shipping activity;

the  rate  of  recycling  of  older  vessels,  depending,  among  other  things,  on  prices  paid  by  recyclers  and  international 
recycling regulations;

the price of steel and vessel equipment;

changes in environmental and other regulations that may limit the useful lives of vessels;

the number of vessels that are out of service, namely those that are laid-up, dry-docked, arrested, awaiting repairs after 
damage or accident, or otherwise not available for hire;

availability of financing for new vessels and shipping activity;

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 or require costly overhauls;

the number of vessels used as storage units;

port and/or canal congestion, and weather delays;

business disruptions, including supply chain disruptions and congestion, due to natural and other disasters, including 
the COVID-19 outbreak; 

sanctions (in particular sanctions on Russia, Iran and Venezuela, among other countries and individuals); and

technological developments.

In addition to the prevailing and anticipated freight rates, factors that affect the rate of newbuilding, recycling and laying-up 
include newbuilding prices, secondhand vessel values in relation to recycling prices, costs of bunkers and other operating costs, 
costs associated with classification society surveys, normal maintenance costs, insurance coverage costs, the efficiency and age 
profile  of  the  existing  fleet  in  the  market,  and  government  and  industry  regulation  of  maritime  transportation  practices, 
particularly  environmental  protection  laws  and  regulations.  These  factors  influencing  the  supply  of  and  demand  for  shipping 
capacity  are  outside  of  our  control,  and  we  may  not  be  able  to  correctly  assess  the  nature,  timing  and  degree  of  changes  in 
industry conditions. 

Further, the market may fluctuate widely based on a variety of factors including changes in overall market movements, political 
and  economic  events,  wars,  acts  of  terrorism,  natural  disasters  (including  disease,  epidemics  and  pandemics)  and  changes  in 
interest rates or inflation rates.

3

An over-supply of vessel capacity may lead to reductions in charter hire rates, vessel values 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 such inability, 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. Since the beginning of calendar year 
2020, the COVID-19 outbreak 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. Credit markets and the debt and equity capital markets have at times in the past been distressed and 
there is uncertainty surrounding the future of the global credit markets, particularly for the shipping industry.

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 may 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, 2021, we had total outstanding indebtedness of $1.9 billion under our various credit facilities and bond 
loans and a further $0.5 billion of finance lease obligations. In addition we had a further $0.2 billion of finance lease obligations 
in our associated companies.

Political  instability,  terrorist  or  other  attacks,  war,  international  hostilities  and  global  public  health  threats  can  affect  the 
seaborne transportation industry, which could adversely affect our business.

We conduct most of our operations outside of the United States, and our business, results of operations, cash flows, financial 
condition  and  ability  to  pay  dividends,  if  any,  in  the  future  may  be  adversely  affected  by  changing  economic,  political  and 
government conditions in the countries and regions where our vessels or rigs are employed or registered. Moreover, we operate 
in a sector of the economy that is likely to be adversely impacted by the effects of political conflicts. 

Currently,  the  world  economy  faces  a  number  of  challenges,  including  trade  tensions  between  the  United  States  and  China, 
stabilizing  growth  in  China,  geopolitical  events,  such  as  Brexit,  continuing  threat  of  terrorist  attacks  around  the  world, 
continuing instability and conflicts and other recent occurrences in the Middle East, Ukraine and in other geographic areas and 
countries, as well as the public health concerns stemming from the ongoing COVID-19 outbreak.

In  the  past,  political  instability  has  also  resulted  in  attacks  on  vessels,  mining  of  waterways  and  other  efforts  to  disrupt 
international shipping, particularly in the Arabian Gulf region and most recently in the Black Sea in connection with the recent 
conflict  between  Russia  and  Ukraine.  Acts  of  terrorism  and  piracy  have  also  affected  vessels  trading  in  regions  such  as  the 
South China Sea and the Gulf of Aden off the coast of Somalia. Any of these occurrences could have a material adverse impact 
on our future performance, results of operation, cash flows and financial position.

4

Beginning in February of 2022, President Biden and several European leaders announced various economic sanctions against 
Russia in connection with the aforementioned conflict in the Ukraine region, which may adversely impact our business, given 
Russia’s  role  as  a  major  global  exporter  of  crude  oil.  Our  business  could  also  be  adversely  impacted  by  trade  tariffs,  trade 
embargoes or other economic sanctions that limit trading activities by the United States or other countries against countries in 
the Middle East, Asia or elsewhere as a result of terrorist attacks, hostilities or diplomatic or political pressures.

On March 8, 2022, President Biden issued an executive order prohibiting the import of certain Russian energy products into the 
United States, including crude oil, petroleum, petroleum fuels, oils, liquefied natural gas and coal. Additionally, the executive 
order prohibits any investments in the Russian energy sector by U.S. persons, among other restrictions.

In addition, public health threats, such as COVID-19, influenza and other highly communicable diseases or viruses, outbreaks 
of which have from time to time occurred in various parts of the world in which we operate, including China, Japan and South 
Korea, which may even become pandemics, such as the COVID-19 virus, could lead to a significant decrease of demand for 
seaborne  transportation.  Such  events  may  also  adversely  impact  our  operations,  including  timely  rotation  of  our  crews,  the 
timing of completion of any outstanding or future newbuilding projects or repair works in drydock as well as the operations of 
our customers. Delayed rotation of crew may adversely affect the mental and physical health of our crew and the safe operation 
of our vessels or rigs as a consequence.

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 prohibiting the carriage of bunkers above 0.5% sulfur on ships took effect March 1, 2020 and 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.

5

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,  and  other  events,  have  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 
oxides 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  with  a  view  to  secure  availability  of 
qualitative compliant fuel oil and mitigate exposure to volatility in prices between high sulfur fuel oil and low sulfur fuel oil. 
The procurement of large quantities of low sulfur fuel oil has introduced a commodity price risk with 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 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.

6

While over two years have passed since the IMO 2020 Regulations became effective, it is still uncertain how the availability of 
high-sulfur fuel around the world will be affected by implementation of these regulations. Both the availability of compliant 
fuel and 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. As of March 24, 2022, 22 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 in our vessels 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 2021 
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 
scrubbers 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. Further, there is risk that if the fuel spread between high 
sulfur fuel oil and low sulfur fuel oil decreases, we may not be able to recover the investments we have made in our scrubbers 
within our expected timeframes or at all.

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.

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 (the “Hong Kong 
Convention”),  aims  to  ensure  ships,  being  recycled  once  they  reach  the  end  of  their  operational  lives  do  not  pose  any 
unnecessary  risks  to  the  environment,  human  health  and  safety.  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 
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, 17 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.

Apart  from  that,  any  vessel,  including  ours,  is  required  to  set  up  and  maintain  an  Inventory  of  Hazardous  Materials  from 
December 31, 2018 for EU flagged new ships and from December 31, 2020 for EU flagged existing ships and non-EU flagged 
ships calling at a port or anchorage of an EU member state. Such a system includes information on the hazardous materials with 
a  quantity  above  the  threshold  values  specified  in  the  relevant  EU  Resolution  and  are  identified  in  ship’s  structure  and 
equipment.  This  inventory  should  be  properly  maintained  and  updated,  especially  after  repairs,  conversions  or  unscheduled 
maintenance on board the ship.

These regulatory requirements, 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 the latest 
requirements,  which  may  have  an  adverse  effect  on  our  future  performance,  results  of  operation,  cash  flows  and  financial 
position.

7

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  IMO's  MEPC  announced  its  decision  concerning  the  implementation  of 
regulations mandating a reduction in sulfur emissions from 3.5% to 0.5% as of the beginning of January 1, 2020. Since January 
1, 2020, ships must 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 must 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 alternative fuels, 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 operation, cash flows and financial position.

Shipping  will  become  subject  to  the  Emission  Trading  Scheme  (“ETS”)  from  2023,  with  those  ships  presently  reporting 
emissions under the EU Monitoring, Reporting and Verification (“MRV”) regulation being required to purchase and surrender 
CO2 emission credits. All intra-EU emissions will be included, but only 50% of the emissions for voyages when arriving in or 
departing  from  the  EU.  The  person  or  organization  responsible  for  the  compliance  with  the  EU  ETS  should  be  the  shipping 
company, defined as the shipowner or any other organization or person, such as the manager or the bareboat charterer, that has 
assumed  the  responsibility  for  the  operation  of  the  ship  from  the  shipowner.  Compliance  with  the  EU  ETS  will  result  in 
additional  compliance  and  administration  costs.  Additional  EU  regulations  which  are  part  of  the  EU’s  Fit-for-55,  could  also 
affect our financial position in terms of compliance and administration costs when they take effect.

Territorial taxonomy regulations in geographies where we are operating and are regulatorily liable might jeopardize the level of 
access to capital. For example, EU has already introduced a set of criteria for economic activities which should be framed as 
‘green’, called EU Taxonomy. As long as we are an EU-based company meeting the NFRD prerequisites, we will be eligible 
for  reporting  our  Taxonomy  eligibility  and  alignment.  Based  on  the  current  version  of  the  Regulation,  companies  that  own 
assets shipping fossil fuels are considered as not aligned with EU Taxonomy. The outcome of such provision might be either an 
increase in the cost of capital and/or gradually reduced access to financing as a result of financial institutions’ compliance with 
EU Taxonomy.

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 may affect the propulsion options in subsequent vessel designs and could increase our 
costs  related  to  acquiring  new  vessels,  operating  and  maintaining  our  existing  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  and  alternate  modes  of  transporting  goods.  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.

8

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 five vessels 
scheduled for ballast water treatment systems installation or upgrade and costs of compliance may be substantial and adversely 
affect our revenues and profitability.

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  U.S. 
Environmental Protection Agency, or 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.  In  the  near  future,  the  U.S.  Coast  Guard  is 
expected to 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  11  vessels  and  two  drilling  rigs  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 43 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 crude oil or 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 certain of our vessels and rigs. 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 
operation, cash flows and financial position.

“Peak oil” is the year when the maximum rate of extraction of oil is reached. Recent forecasts of “peak oil” range from 2019 to 
the 2040s, depending on economics and how governments respond to global warming. Irrespective of “peak oil”, the continuing 
shift  in  consumer  demand  from  oil  towards  other  energy  resources  such  as  wind  energy,  solar  energy,  hydrogen  energy  or 
nuclear  energy,  which  shift  appears  to  be  accelerating  as  a  result  of  the  COVID-19  situation,  as  well  as  shift  in  government 
commitments and support for energy transition programs, may have a material adverse effect on our future performance, results 
of operation, 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 crude oil or refined 
oil  products  may  have  a  significant  negative  or  positive  impact  on  the  revenue  per  ton  of  freight  per  mile  and  therefore  the 
demand for our tankers. This could have a material adverse effect on our future performance, results of operation, cash flows 
and financial position.

9

If  our  vessels  call  at  ports  located  in  or  our  rigs  operate  in  countries  or  territories  that  are  the  subject  of  sanctions  or 
embargoes imposed by the U.S. government, the European Union, 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 its 
trading price. 

We have not engaged in shipping or drilling activities in countries or territories or with government-controlled entities in 2021 
in violation of any applicable sanctions or embargoes imposed by the U.S. government, the EU, the United Nations or other 
applicable 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 
charterers  may,  in  certain  causes,  control  the  operation  of  our  vessels,  we  have  monitoring  processes  in  place  reasonably 
designed to ensure our compliance with applicable 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.

The  applicable  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 imposed by the United States, 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.

Although we believe that we have been in compliance with all applicable sanctions and embargo laws and regulations in 2021, 
and intend to maintain such compliance, there can be no assurance that we or our charterers will be in compliance in the future, 
particularly  as  the  scope  of  certain  laws  may  be  unclear  and  may  be  subject  to  changing  interpretations.  Any  such  violation 
could  result  in  fines,  penalties  or  other  sanctions  that  could  severely  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 or territories 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. In addition, 
our  reputation  and  the  market  for  our  securities  may  be  adversely  affected  if  we  engage  in  certain  other  activities,  such  as 
entering into charters with individuals or entities that are not controlled by the governments of countries or territories that are 
the subject of certain U.S. sanctions or embargo laws, or engaging in operations associated with those countries or territories 
pursuant  to  contracts  with  third  parties  that  are  unrelated  to  those  countries  or  territories  or  entities  controlled  by  their 
governments. Investor perception of the value of our common stock may be adversely affected by the consequences of war, the 
effects of terrorism, civil unrest and governmental actions in 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.

10

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

International  shipping  is  subject  to  security  and  customs  inspection  and  related  procedures  in  countries  of  origin,  destination 
and  trans-shipment  points.  Under  the  U.S.  Maritime  Transportation  Security  Act  of  2002  (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.  These  security  procedures  can  result  in  the  seizure  of  the 
contents of our vessels, delays in the loading, offloading or trans-shipment, and the levying of customs duties, fines or other 
penalties against exporters or importers and, in some cases, carriers.

Future  changes  to  the  existing  security  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.

11

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 acceptable 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 taxation imposed on the exploration and production activity in the relevant jurisdiction;

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.

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 
charterers of our drilling units or limit their drilling activity, and may adversely affect their ability to make lease payments to 
us.

As  of  December  31,  2021,  we  had  chartered  the  West  Hercules  to  a  subsidiary  of  Seadrill,  namely  Seadrill  Offshore  AS,  or 
Seadrill  Offshore  and  chartered  the  West  Linus  to  North  Atlantic  Linus  Charterer  Ltd.,  or  North  Atlantic  Linus,  which  is  a 
subsidiary of North Atlantic Drilling Limited, or NADL, in turn a subsidiary of Seadrill. Seadrill Offshore and North Atlantic 
Linus  are  collectively  referred  to  as  the  Seadrill  Charterers.  Pursuant  to  an  amendment  to  our  charter  agreement  with 
subsidiaries  of  Seadrill  for  the  West  Hercules  that  we  entered  into  in  August  2021,  the  West  Hercules  is  contracted  to  be 
employed with an oil major into the second half of 2022, prior to being redelivered to us in Norway. Additionally, in February 
2022, we agreed to make changes to the chartering and management structure of the West Linus, pursuant to which the drilling 
contract with ConocoPhillips Skandinavia AS (“ConocoPhillips”) is expected to be assigned from the current operator to one of 
our subsidiaries upon the new operator receiving necessary regulatory approvals.

For  additional  information,  please  see  “Item  5.B.—Liquidity  and  Capital  Resources—Debt  in  Associated  Companies”. 
Reference to the charterers of our drilling units shall mean the Seadrill Charterers until such time that they redeliver the rigs to 
us, whereupon references to the charterers of our drilling units shall mean subsequent charterers of such drilling units.

Our business and that of the charterers of our drilling units 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  charterers  of  our  drilling  units  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  U.S.  federal 
waters.  The  charterers  of  our  drilling  units  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 
charterers  of  our  drilling  units’  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.

12

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.

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  charterers  of  our  drilling  units’  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 charterers of our drilling units 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 charterers of our drilling units. The charterers of our drilling units 
may not obtain such approvals, or such approvals may not be obtained in a timely manner. If the charterers of our drilling units 
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 charterers of our drilling units’ 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 charterers of our drilling units’ 
business,  operating  results  or  financial  condition.  Future  earnings  of  the  charterers  of  our  drilling  units  may  be  negatively 
affected  by  compliance  with  any  such  new  legislation  or  regulations.  In  addition,  the  charterers  of  our  drilling  units  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 charterers of our drilling units to make lease payments to us. The failure of the charterers of 
our  drilling  units  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 - “Our arrangements 
with the charterers of our drilling rigs are in transition and 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, including on our vessels and rigs. Additionally, if these systems 
fail or become unavailable for any significant period of time, our business could be harmed.

The  safety  and  security  of  our  vessels  and  efficient  operation  of  our  business,  including  processing,  transmitting  and  storing 
electronic and financial information, depend on computer hardware and software systems, which are increasingly vulnerable to 
security  breaches  and  other  disruptions.  Any  significant  interruption  or  failure  of  our  information  systems  or  any  significant 
breach of security could adversely affect our business and results of operations.

Our vessels rely on information systems for a significant part of their operations, including navigation, provision of services, 
propulsion,  machinery  management,  power  control,  communications  and  cargo  management.  We  have  in  place  safety  and 
security measures on our vessels and onshore operations to secure our vessels against cyber-security attacks and any disruption 
to their information systems. However, these measures and technology may not adequately prevent security breaches despite 
our  continuous  efforts  to  upgrade  and  address  the  latest  known  threats,  which  are  constantly  evolving  and  have  become 
increasing  sophisticated.  If  these  threats  are  not  recognized  or  detected  until  they  have  been  launched,  we  may  be  unable  to 
anticipate these threats and may not become aware in a timely manner of such a security breach, which could exacerbate any 
damage  we  experience.  A  disruption  to  the  information  system  of  any  of  our  vessels  could  lead  to,  among  other  things, 
incorrect routing, collision, grounding and propulsion failure.

13

Beyond  our  vessels,  we  rely  on  industry  accepted  security  measures  and  technology  to  securely  maintain  confidential  and 
proprietary information maintained on our information systems. However, these measures and technology may not adequately 
prevent security breaches. The technology and other controls and processes designed to secure our confidential and proprietary 
information,  detect  and  remedy  any  unauthorized  access  to  that  information  were  designed  to  obtain  reasonable,  but  not 
absolute, assurance that such information is secure and that any unauthorized access is identified and addressed appropriately. 
Such controls may in the future fail to prevent or detect, unauthorized access to our confidential and proprietary information. In 
addition,  the  foregoing  events  could  result  in  violations  of  applicable  privacy  and  other  laws.  If  confidential  information  is 
inappropriately accessed and used by a third party or an employee for illegal purposes, we may be responsible to the affected 
individuals for any losses they may have incurred as a result of misappropriation. In such an instance, we may also be subject to 
regulatory  action,  investigation  or  liable  to  a  governmental  authority  for  fines  or  penalties  associated  with  a  lapse  in  the 
integrity and security of our information systems.

We may be required to expend significant capital and other resources to protect against and remedy any potential or existing 
security breaches and their consequences. A cyber-attack could also lead to litigation, fines, other remedial action, heightened 
regulatory  scrutiny  and  diminished  customer  confidence.  In  addition,  our  remediation  efforts  may  not  be  successful,  and  we 
may not have adequate insurance to cover these losses.

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 have a material adverse effect on our business, results of operations, cash flows and financial 
condition.

Moreover, cyber-attacks against the Ukrainian government and other countries in the region have been reported in connection 
with  the  recent  conflict  between  Russia  and  Ukraine.  To  the  extent  such  attacks  have  collateral  effects  on  global  critical 
infrastructure  or  financial  institutions  or  us,  such  developments  could  adversely  affect  our  business,  operating  results  and 
financial condition. At this time, it is difficult to assess the likelihood of such threat and any potential impact at this time.

Increasing  scrutiny  and  changing  expectations  from  investors,  lenders  and  other  market  participants  with  respect  to  our 
Environmental, Social and Governance 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, costs related to litigation, 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. Such ESG corporate transformation calls for an increased resource allocation 
to serve the necessary changes in that sector, increasing costs and capital expenditure. 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 fossil fuel-related 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. 

14

See  further  details  of  our  ESG  efforts  at  Item  4.B.—Business  Overview  and  our  latest  Environmental  Social  Governance 
Report,  which  may  be  found  on  our  website  at  https://www.sflcorp.com/esg/.  The  information  on  our  website  is  not 
incorporated by reference into this annual report.

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 charter hire 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 charter hire 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. We face 
competition from companies with more modern vessels with more fuel efficient designs than our vessels, or eco vessels, and if 
new  vessels  are  built  that  are  more  efficient  or  more  flexible  or  have  longer  physical  lives  than  the  current  eco  vessels, 
competition from the current eco vessels and any more technologically advanced vessels could adversely affect the amount of 
charter  hire  payments  we  receive  for  our  vessels  and  the  resale  value  of  our  vessels  could  significantly  decrease.  Similarly, 
technologically  advanced  vessels  are  needed  to  comply  with  environmental  laws;  the  investment,  in  which  along  with  the 
foregoing, could have a material adverse effect on our results of operations, charter hire payments, resale value of vessels, cash 
flows, financial condition and ability to pay dividends. 

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. 

The  tanker  market  has  historically  been  volatile.  For  example,  we  witnessed  historically  high  chartering  levels  recorded  in 
March and April of 2020, and then observed rates drop in 2021 and generally remain low, with average earnings during 2021 
marking  unprecedented  lows.  Global  oil  demand  is  expected  to  increase  in  2022  with  oil  prices  surpassing  $100  per  barrel, 
which  has  not  been  seen  since  2014.  With  potential  negative  effects  from  and  escalating  geopolitical  tension  impacting  the 
tanker market, there can be 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. 

While also experiencing volatility, the dry bulk shipping market has enjoyed significantly improved market conditions during 
2021.  Industry  sources  indicate  that  seaborne  dry  bulk  trade  (in  tonnes)  increased  during  2021,  as  a  result  of  a  significant 
rebound  in  trade  following  reduced  trade  volumes  seen  during  the  COVID-19  pandemic  which  caused  significant  disruption 
and operation challenges. With the dry bulk newbuilding order book standing at 7% of the total fleet in terms of capacity, with 
continued congestion globally along with increased demand, the market may see some positive signs. However, with continued 
uncertainty,  there  can  be  no  assurance  that  the  dry  bulk  charter  market  will  sustain  its  recent  rally  or  realize  its  projected 
recovery.

15

The containership charter market experienced significant increase during 2021. After severe negative impacts resulting from the 
outbreak  of  the  COVID-19  pandemic  in  early  2020,  volumes  recovered  swiftly  along  with  significant  logistical  disruptions 
during the second half of 2020 and throughout 2021. With a strong rebound in global container volumes and major upside from 
severe logistical disruptions, including port congestion which significantly reduced capacity, freight rates set new highs during 
2021. Whilst trade volume is projected to grow, there can be no assurances that the market will remain at current levels, as the 
order book is approximately equal to 23% at the end of 2021, and port congestion is expected to unwind.

The offshore drilling charter market is correlated to the oil price (Brent crude spot) which has experienced significant volatility 
during the last decade. The oil price fluctuated from yearly average levels above $100 to below $20 in 2020. Over the few last 
years, we saw a gradual recovery, however in April 2020 the oil price fell below $20 per barrel following fears that oil storage 
in the U.S. was running tight. 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. While oil prices have increased in 2021 to above $100, 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.  Also,  we  have  seen  significant  movement  in  oil  price  development 
since the geopolitical conflict between Russia and Ukraine began in February 2022.

For more information please see Item 5.D.—Trend Information.

Downturns in these markets and resulting volatility has had a number of adverse consequences, including, among other things:

•

•

•

•

•

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. 

In  addition,  because  the  market  value  of  our  vessels  and  rigs  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.

Our  financial  results  and  operations  have  been  and  may  continue  to  be  adversely  affected  by  the  ongoing  outbreak  of 
COVID-19, and related governmental responses thereto.

The outbreak of COVID-19 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,  including 
lockdown measures. These measures resulted in a significant reduction in global economic activity and extreme volatility in the 
global financial markets. While many of these measures have since been relaxed, we cannot predict whether and to what degree 
such  measures  will  be  reinstituted  in  the  event  of  any  resurgence  in  the  COVID-19  virus  or  any  variants  thereof.  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 dry bulk and other cargo vessels may deteriorate further and our operations and cash flows may be 
negatively impacted. Relatively weak global economic conditions during periods of volatility have and may continue to have a 
number  of  adverse  consequences  for  dry  bulk  and  other  shipping  sectors  as  we  have  experienced,  including,  among  other 
things: 

•
•
•
•
•

low charter rates, particularly for vessels employed on short-term time charters or in the spot market;
decreases in the market value of dry bulk vessels and limited second-hand market for the sale of vessels;
limited financing for vessels;
loan covenant defaults; and
declaration of bankruptcy by certain vessel operators, vessel owners, shipyards and charterers.

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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  2021,  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 2021, 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.

Moreover COVID-19 and governmental and other measures related to it have led to a highly difficult environment in which to 
acquire  and  dispose  of  vessels  given  difficulty  to  physically  inspect  vessels.  The  impact  of  COVID-19  has  also  resulted  in 
reduced  industrial  activity  globally,  and  more  specifically  in  China,  with  temporary  closures  of  factories  and  other  facilities, 
labor shortages and restrictions on travel. 

This  and  future  epidemics  may  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. We continue to focus on our 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 and in certain cases required to operate remotely which significantly increases the 
risk of cyber security attacks.

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. There is a material risk of increased premiums or loss of 
coverage as a result of the geopolitical conflict between Russia and Ukraine.

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.

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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.

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 a vessel for unsatisfied debts, claims or damages. In many jurisdictions, a maritime lienholder may enforce its lien 
by “arresting” or “attaching” a vessel through judicial or 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 jurisdictions where the “sister ship” theory of liability applies, such as South Africa, a claimant may arrest the 
vessel that is subject to the claimant's maritime lien and any “associated” vessel, which is any vessel owned or controlled by the 
same owner. In countries with “sister ship” liability laws, claims may be asserted against us or any of our vessels for liabilities 
of other vessels that we own. 

Governments could requisition our vessels during a period of war or emergency, resulting in a loss of earnings.

A government of a vessel’s registry could requisition for title or seize one or more of our vessels. Requisition for title occurs 
when a government takes control of a vessel and becomes the owner. Such government could also requisition one or more of 
our  vessels  for  hire.  Requisition  for  hire  occurs  when  a  government  takes  control  of  a  vessel  and  effectively  becomes  the 
charterer at dictated charter rates. Generally, requisitions occur during a period of war or emergency. Government requisition of 
one  or  more  of  our  vessels  could  have  a  material  adverse  effect  on  our  business,  results  of  operations,  cash  flows,  financial 
condition and ability to pay dividends.

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 with the age of the vessel. As of December 31, 
2021, the average age of our fleet, owned, leased or chartered-in by us was approximately 10 years. As our fleet ages, we will 
incur increased costs. Due to improvements in engine technology, older vessels are typically less fuel-efficient and more costly 
to  maintain  than  more  recently  constructed  vessels.  Cargo  insurance  rates  increase  with  the  age  of  a  vessel,  making  older 
vessels less desirable to charterers.

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Governmental safety, environmental regulations 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  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.

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.

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

Risks Relating to Our Company

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. During 2021 we had 
two of our drilling units on charter to Seadrill. Please see “Item 5.B.—Liquidity and Capital Resources—Debt in Associated 
Companies.”  for  more  information  including  in  respect  of  the  expected  redelivery  of  the  drilling  unit  West  Hercules  in  the 
second half of 2022 and the changes to the chartering and management structure of the West Linus. In addition, during 2021, we 
had eight dry bulk carriers chartered to Golden Ocean Trading Limited, or the Golden Ocean Charterer. In addition, we own 
fully or partially 14 container vessels on long-term bareboat charters to MSC Mediterranean Shipping Company S.A. and its 
affiliate Conglomerate Shipping Ltd. (“MSC”) and 15 container vessels on long-term time charters to Maersk A/S (“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.

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The performance under the current leases with the charterers of our drilling units is 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 charterers of our drilling units, 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 could 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 charterers of our drilling units, 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 - “Our arrangements with the charterers of our drilling rigs are in 
transition and 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 very large crude oil carriers, or 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.

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 charter 
hire  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  charter  hire  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 installation of 
scrubbers was completed in 2020 and 2021. As part of the charter agreements, we receive a share of the fuel savings, dependent 
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.

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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 breaches in certain financial covenants in 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.

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:

•
•

•
•
•
•
•
•
•
•
•

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.

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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 and certain related companies whose shares are indirectly held 
by two trusts settled by Mr. John Fredriksen, for the benefit of his family, own and beneficially own approximately 18.6% of 
our issued and outstanding common shares as of March 21, 2022.

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 (the “Hemen Related Companies”). In addition, certain directors, including Mr. Cordia, Mr. 
O'Shaughnessy  and  Ms.  Kathrine  Fredriksen,  also  serve  on  the  boards  of  one  or  more  of  the  Hemen  Related  Companies, 
including  but  not  limited  to  Frontline  Limited  (NYSE:  FRO)  (“Frontline”),  Golden  Ocean  Group  Limited  (NYSE:  GOGL) 
(“Golden Ocean”), Archer Limited (OSE: ARCHER), Avance Gas Holding Ltd (OSE: AGAS), Northern Drilling Ltd (OSE: 
NODL) and ST Energy Transition I Ltd. (NYSE: STET.U). 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.

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,  whose  major  shareholder  is  Hemen,  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 charter hire 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 charterers of 
our drilling units 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.

22

United States tax authorities could treat us as a "passive foreign investment company", which could have adverse United 
States federal income tax consequences to United States shareholders.

A foreign corporation will be treated as a "passive foreign investment company," or ("PFIC"), for United States 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".

United States shareholders of a PFIC are subject to a disadvantageous United States federal income tax regime with respect to 
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.

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 2021 taxable year. Nevertheless, for the 2022 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.

Although there is no direct legal authority under the PFIC rules addressing our method of operation, there is substantial legal 
authority  supporting  our  position  consisting  of  case  law  and  the  United  States  Internal  Revenue  Service  (the  "IRS"), 
pronouncements concerning the characterization of income derived from time charters and voyage charters as services income 
for other tax purposes. However, it should be noted that there is also authority that characterizes time charter income as rental 
income rather than services income for other tax purposes. Accordingly, no assurance can be given that the IRS or a court of 
law will accept our position, and there is a risk that the IRS or a court of law could determine that we are a PFIC. Moreover, no 
assurance can be given that we would not constitute a PFIC for any future taxable year if there were to be changes in the nature 
and extent of our operations.

If the IRS were to find that we are or have been a PFIC for any taxable year, our United States shareholders will face adverse 
United  States  federal  income  tax  consequences.  Under  the  PFIC  rules,  unless  those  shareholders  make  an  election  available 
under  United  States  Internal  Revenue  Code  of  1986,  as  amended  (the  "Code")  (which  election  could  itself  have  adverse 
consequences for such shareholders, as discussed below under "Taxation-United States Federal Income Tax Considerations"), 
such shareholders would be liable to pay United States federal income tax at the then prevailing income tax rates on ordinary 
income plus interest upon excess distributions and upon any gain from the disposition of our common shares, as if the excess 
distribution or gain had been recognized ratably over the shareholder's holding period of our common shares.

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

Under  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% United States 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.

23

We  believe  that  we  and  each  of  our  subsidiaries  qualified  for  this  statutory  tax  exemption  for  our  taxable  year  ending  on 
December  31,  2021  and  we  will  take  this  position  for  United  States  federal  income  tax  return  reporting  purposes.  However, 
there are factual circumstances beyond our control that could cause us to lose the benefit of this tax exemption for future taxable 
years  and  thereby  become  subject  to  United  States  federal  income  tax  on  our  United  States  source  shipping  income.  For 
example, we would no longer qualify for exemption under Section 883 of the Code for a particular taxable year if certain non-
qualified  shareholders  with  a  5%  or  greater  interest  in  our  common  shares  owned,  in  the  aggregate,  50%  or  more  of  our 
outstanding common shares for more than half the days during the taxable year. It is possible that we could be subject to this 
rule for our taxable year ending on or after December 31, 2022. Due to the factual nature of the issues involved, there can be 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 during those years to an effective 2% United States federal income tax on gross shipping income 
derived during such a 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 business, leasing business, headquarters business, 
shipping business, distribution and service center business, intellectual property holding business and conducting business as a 
holding entity.

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  and  rigs  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 a firm period of up to 2034 in addition to 
certain  optional  periods.  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.

24

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 21 container vessels, two dry bulk carriers, three Suezmax tankers, six product tankers and two car carriers employed 
on time charters, and two Suezmax tankers, two chemical tankers and five dry bulk carriers employed in the spot 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. 
Also in February 2022, we entered into an agreement for the operational management of the West Linus rig with a subsidiary of 
Odfjell Drilling Ltd. (“Odfjell”), a leading harsh environment drilling rig operator. The change of operational management from 
Seadrill to Odfjell is subject to customary regulatory approvals relating to operations on the Norwegian Continental Shelf. For 
additional information please see “Item 5.B.—Liquidity and Capital Resources—Debt in Associated Companies”. 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 and rig 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.

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

Movements  in  interest  rates  could  negatively  affect  our  financial  performance  given  that  certain  of  our  current  financing 
agreements  have,  and  our  future  financing  arrangements  may  have,  floating  interest  rates,  typically  based  on  LIBOR.  The 
publication of U.S. Dollar LIBOR for the one-week and two-month U.S. Dollar LIBOR tenors ceased on December 31, 2021, 
and the 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  the  publication  of  all  other  U.S.  Dollar  LIBOR  tenors  will 
cease on June 30, 2023. The United States Federal Reserve concurrently issued a statement advising banks to cease issuing U.S. 
Dollar LIBOR instruments after 2021. As such, any new loan agreements we enter into will not use LIBOR as an interest rate, 
and we will need to transition our existing loan agreements from U.S. Dollar LIBOR to an alternative reference rate prior to 
June 2023.

In  response  to  the  anticipated  discontinuation  of  LIBOR,  working  groups  are  converging  on  alternative  reference  rates.  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 with the Secured Overnight Financing Rate, or “SOFR”. At this 
time, it is not possible to predict how markets will respond to SOFR or other alternative reference rates. The impact of such a 
transition from LIBOR to SOFR or other alternative rates could be significant for us. 

In order to manage our exposure to interest rate fluctuations under LIBOR, SOFR or any other alternative rate, we have and 
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.

25

Our financing agreements contain a provision requiring or permitting us to enter into negotiations with our lenders to agree to 
an  alternative  interest  rate  or  an  alternative  basis  for  determining  the  interest  rate  in  anticipation  of  the  cessation  of  LIBOR. 
These  clauses  present  significant  uncertainties  as  to  how  alternative  reference  rates  or  alternative  bases  for  determination  of 
rates would be agreed upon, as well as the potential for disputes or litigation with our lenders regarding the appropriateness or 
comparability  to  LIBOR  of  any  substitute  indices,  such  as  SOFR,  and  any  credit  adjustment  spread  between  the  two 
benchmarks. In the absence of an agreement between us and our lenders, most of our financing agreements provide that LIBOR 
would be replaced with some variation of the lenders’ cost-of-funds rate. The discontinuation of LIBOR presents a number of 
risks  to  our  business,  including  volatility  in  applicable  interest  rates  among  our  financing  agreements,  potential  increased 
borrowing  costs  for  future  financing  agreements  or  unavailability  of  or  difficulty  in  attaining  financing,  which  could  in  turn 
have an adverse effect on our profitability, earnings and cash flow.

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

As  of  December  31,  2021,  we  had  approximately  $219.8  million  equivalent  in  senior  unsecured  bonds  denominated  in 
Norwegian kroner (“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, 2021, we and our consolidated subsidiaries had approximately $1.5 billion in floating rate debt outstanding 
under  our  credit  facilities.  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, 2021, we and our consolidated subsidiaries have entered into interest rate swaps which fix the interest on 
approximately $0.7 billion of our outstanding indebtedness.

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  as  of 
December 31, 2021 was approximately $0.8 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 $7.5 million per year 
as of December 31, 2021. 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.  As  of  December  31,  2021,  $0.1  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  $0.1  billion 
remained on a floating rate basis. Our net exposure to floating rate debt is therefore $607.1 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, 
SFL Management (Singapore) Pte. Ltd and SFL UK Management Ltd.

26

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.

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.

27

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.

Our arrangements with the charterers of our drilling rigs are in transition and 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.

The failure of the charterers of our drilling rigs to meet their respective obligations to us under our existing lease agreements, 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.

As of December 31, 2021, a significant portion of our net income and operating cash flows was generated from our 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.

Pursuant to an amendment to our charter agreement with subsidiaries of Seadrill for the West Hercules that we entered into in 
August 2021, the West Hercules is contracted to be employed with an oil major into the second half of 2022, prior to being 
redelivered to us in Norway. Following the expiration or early termination of this contract, West Hercules may be offhire for an 
indeterminate period of time and we may be required to arrange significant levels of investments to reactivate this drilling rig. 
Additionally,  in  February  2022,  we  agreed  to  make  changes  to  the  chartering  and  management  structure  of  the  West  Linus, 
pursuant to which the drilling contract with ConocoPhillips is expected to be assigned from the current operator to one of our 
subsidiaries upon the new operator receiving necessary regulatory approvals.

For  additional  information  please  see  “Item  5.B.—Liquidity  and  Capital  Resources—Debt  in  Associated  Companies”. 
Reference to the charterers of our drilling units shall mean the Seadrill Charterers until such time that they redeliver the rigs to 
us, whereupon references to the charterers of our drilling units shall mean future charterers of such drilling units.

28

Risks Relating to Our Common Shares

We  are  a  holding  company  and  depend  on  the  ability  of  our  subsidiaries  to  distribute  funds  to  us  in  order  to  satisfy  our 
financial obligations.

We are a holding company, and our subsidiaries conduct all of our operations and own all of our operating assets. We 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  may  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, 2021, the closing market price of 
our common shares ranged from a high of $9.07 on November 12, 2021, to a low of $6.30 on January 6, 2021. 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  charterers  of  our  drilling  units  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.

29

Because our offices and most of our assets are 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 United States residents. 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 United States federal 
securities laws.

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, shipping 
and offshore asset classes and business sectors. As of December 31, 2021, our assets consist of six crude oil tankers, 15 dry 
bulk  carriers,  35  container  vessels  (including  seven  leased-in  vessels),  two  car  carriers,  one  jack-up  drilling  rig,  one  ultra-
deepwater  drilling  unit,  two  chemical  tankers,  and  four  oil  product  tankers  included  in  our  wholly  owned  and  partly  owned 
subsidiaries  and  associated  companies.  A  further  two  crude  oil  tankers  and  two  oil  product  tankers  were  delivered  between 
January 1, 2022 and March 24, 2022.

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,  a  jack-up  drilling  rig  and  an  ultra-deepwater 
drilling unit. In addition, we have certain financial investments.

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Acquisitions and Disposals

Acquisitions

In the year ended December 31, 2021, we took delivery of the following vessels:

•

•

•

•

•

•

•

In April 2021, we entered into an agreement with the Volkswagen Group to build and charter out two newbuild dual-fuel 
7,000  CEU  car  carriers  designed  to  use  liquefied  natural  gas  (“LNG”).  The  charter  period  is  10  years  from  delivery  in 
2023,  and  until  the  new  vessels  are  delivered,  the  Volkswagen  Group  has  chartered  the  two  existing  car  carriers  SFL 
Composer and SFL Conductor.

In  August  2021,  we  acquired  and  took  delivery  of  the  2013-built  SFL  Maui  and  the  2014-built  SFL  Hawaii,  both  with 
approximately  6,800  TEU  carrying  capacity.  Upon  delivery,  the  vessels  each  immediately  commenced  a  six  year  time 
charter to Maersk.

Also in August 2021, we entered into an agreement with Kawasaki Kisen Kaisha Ltd. (“K Line”) to build and charter out 
two  additional  newbuild  dual-fuel  7,000  CEU  car  carriers  designed  to  use  LNG.  The  charter  period  is  10  years  from 
delivery of the vessels in 2024.

In  September  2021,  we  acquired  and  took  delivery  of  the  2020-built  Maersk  Zambezi  which  has  a  5,300  TEU  carrying 
capacity. Upon delivery, the vessel was chartered to Maersk on a time charter basis for approximately seven years. 

In  September  2021,  we  also  acquired  and  took  delivery  of  another  two  container  vessels  with  14,000  TEU  carrying 
capacity,  the  2013-built,  Thalassa  Patris  and  the  2014-built,  Thalassa  Elpida.  Both  vessels  were  on  time  charter  to 
Evergreen  Marine  Corporation  (Taiwan)  Ltd  (“Evergreen”)  and  we  agreed  to  continue  the  obligations  on  these  existing 
charterers. The two vessels are sister vessels to the four existing vessels we already had on charter to Evergreen.

In December 2021, we acquired and took delivery of the 2019-built Suezmax tanker Marlin Santorini. Upon delivery, the 
vessel commenced a five year time charter to Trafigura Maritime Logistics Pte. Ltd (“Trafigura”).

In December 2021, we acquired and took delivery of two 2015-built LR2 product tankers Front Puma and Front Tiger. 
Upon delivery, the vessels each commenced a five year time charter to Trafigura.

In the period between January 1, 2022 and March 24, 2022, we took delivery of the following vessels:

•

•

In January 2022, we acquired and took delivery of two LR2 product tankers Front Lion and Front Panther, built in 2014 
and 2015 respectively. Upon delivery, the vessels commenced a five year charter to Trafigura.

In January 2022 and February 2022, we acquired and took delivery of two 2019-built Suezmax tankers, Marlin Sicily and 
Marlin Shikoku, respectively. Upon delivery, the vessels commenced a five year charter to Trafigura.

Disposals

In the year ended December 31, 2021, we disposed of the following vessels and drilling units:

•

•

•

In  August  and  September  2021,  we  redelivered  15  vintage  feeder  container  vessels,  which  were  accounted  for  as  'direct 
financing  leases'  and  three  vintage  feeder  container  vessels  previously  classified  as  'leaseback  assets'  to  MSC  following 
exercise of the applicable purchase options in the charter contracts. Net proceeds of $82.0 million were received and debt 
of $42.1 million was repaid in connection with this transaction. 

In September 2021, we delivered the drilling unit West Taurus to Rota Shipping Inc. for recycling for net proceeds of $3.0 
million. The recycling of the unit was in accordance with the European Ship Recycling Regulation.

In September 2021, we agreed to sell seven Handysize dry bulk carriers to an unrelated party based in Asia for net sale 
proceeds of $97.7 million. All seven vessels were delivered to the buyer between October 2021 and December 2021.

We have not disposed of any vessels in the period between January 1, 2022 and March 24, 2022.

Corporate Debt and Lease Debt Financing 

In January 2021, we bought back approximately $2.0 million of the 4.875% senior unsecured convertible bonds due 2023 at a 
discount. We had an outstanding aggregate principal balance of $137.9 million in respect to this debt after the repurchase.

In  May  2021,  we  issued  $150  million  in  senior  unsecured  sustainability-linked  bonds  due  2026.  The  bonds  pay  a  coupon  of 
7.25% per annum, and net proceeds were used to refinance existing bonds and for general corporate purposes.

31

In May and July 2021, we bought back approximately $67.6 million of the 5.75% senior unsecured convertible bonds due 2021 
at  a  total  cost  of  $68.6  million.  The  repurchase  was  made  from  surplus  cash  from  the  issuance  of  the  new  $150  million 
sustainability-linked bond and as a result of favorable market conditions. The repurchased bonds were not resold but held in 
treasury until they were extinguished when the bonds matured in October 2021.

In September 2021, we entered into a sale and leaseback transaction via a Japanese Operating Lease with Call Option financing 
structure for $130.0 million for the financing of the two newly acquired 6,800 TEU container vessels. The vessels were sold 
and  leased  back  for  a  term  of  six  years,  with  options  to  purchase  each  vessel  at  the  end  of  the  fifth  and  sixth  year.  The 
transaction did not qualify as a sale and has been recorded as a financing arrangement. The lease debt financing carry interest of 
2.5% per annum.

As  of  December  31,  2021,  we  held  1.4  million  shares  of  Frontline  which  were  subject  to  a  forward  contract  that  expired  in 
January of 2022, and has subsequently been rolled over to July 2022. 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  as  of  December  31,  2021.  We  are  required  to  post  collateral  which  was  held  as  restricted  cash  as  of 
December 31, 2021.

Share Options 

In the year ended December 31, 2021, 129,000 options were exercised, and we made a cash payment of $0.1 million in lieu of 
issuing shares under the Option Scheme.

In May 2021, we awarded a total of 480,000 options to officers, employees and directors, pursuant to the Option Scheme. The 
options have a five-year term and a three-year vesting period and the first options will be exercisable from May 2022 onwards. 
The initial strike price was $8.79 per share.

In February 2022, we awarded a total of 435,000 options to officers, employees and directors, pursuant to the Option Scheme. 
The options have a five-year term and a three-year vesting period and the first options will be exercisable from February 2023 
onwards. The initial strike price was $8.73 per share.

Charter Extensions and Changes

In June 2021, we entered into a side letter agreement with Evergreen whereby we agreed to pay Evergreen a daily amount of 
$800 per vessel (adjusted for off-hire and basis hire), with effect from May 1, 2021 and until the remaining charter period, in 
return for Evergreen waiving the charterer’s option to extend the term of the time charter for a further 18 months. 

In  June  and  November  2021,  the  bareboat  charter  agreements  of  our  chemical  tankers  expired  and  the  two  tankers  were 
redelivered to us. The two chemical tankers are currently operating in the spot market.

In November 2021, we agreed to renew the time charter contract on one 1,700 TEU container vessel on charter to Maersk. The 
new charter extends the charter period until 2025 at a revised charter hire.

In  March  2022,  we  agreed  to  charter  six  14,000  TEU  container  vessels  to  a  leading  container  operator  for  a  fixed  period  of 
approximately five years. The new charter is expected to commence between 2023 and 2024 when the vessels are redelivered 
following completion of their existing charter party to another Asian based liner company.

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Seadrill Charters, Associate Debt and Consolidation

SFL  Hercules  Ltd  (“SFL  Hercules”)  and  SFL  Linus  Ltd  (“SFL  Linus”)  each  own  the  drilling  units  West  Hercules  and  West 
Linus respectively. These units are leased to subsidiaries of Seadrill Limited (“Seadrill”), a related party. SFL Deepwater Ltd 
(“SFL Deepwater”) owned the drilling unit West Taurus, which was also on charter to a subsidiary of Seadrill until the first 
quarter  of  2021.  Because  the  main  assets  of  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  were  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. During 2021, and following amendments to the West Hercules bareboat charter and loan 
facility agreements, SFL Hercules was determined to no longer be a variable interest entity and was consolidated from August 
27, 2021 when the amendments were approved by the applicable bankruptcy court (see below). With regards to SFL Linus and 
SFL Deepwater, the Company was determined to be the primary beneficiary of the two subsidiaries in October 2020, following 
changes  to  their  financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  two 
subsidiaries were consolidated by the Company.

Pursuant to an amendment to our charter agreement with subsidiaries of Seadrill for the West Hercules that we entered into in 
August 2021, the West Hercules is contracted to be employed with an oil major into the second half of 2022, prior to being 
redelivered to us in Norway. Following the expiration or early termination of this contract, West Hercules may be offhire for an 
indeterminate period of time and we may be required to arrange significant levels of investments to reactivate this drilling rig. 
Additionally,  in  February  2022,  we  agreed  to  make  changes  to  the  chartering  and  management  structure  of  the  West  Linus, 
pursuant to which the drilling contract with ConocoPhillips is expected to be assigned from the current operator to one of our 
subsidiaries upon the new operator receiving necessary regulatory approvals.

For  additional  information  please  see  “Item  5.B.—Liquidity  and  Capital  Resources—Debt  in  Associated  Companies”. 
Reference to the charterers of our drilling units shall mean the Seadrill Charterers until such time that they redeliver the rigs to 
us, whereupon references to the charterers of our drilling units shall mean future charterers of such drilling units.

Please also refer to Risk Factor regarding Our arrangements with the charterers of our drilling rigs are in transition and 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,  2021,  we  issued  and  sold  10.7  million  shares  under  these  arrangements  and  total  net 
proceeds of $89.4 million were received by us.

Dividends

On February 17, 2021, the Board of Directors of the Company declared a dividend of $0.15 per share which was paid in cash on 
or around March 30, 2021 to shareholders of record as of March 15, 2021.

On May 12, 2021, the Board of Directors of the Company declared a dividend of $0.15 per share, which was paid in cash on or 
around June 29, 2021 to shareholders of record as of June 14, 2021.

On August 18, 2021, the Board of Directors of the Company declared a dividend of $0.15 per share, which was paid in cash on 
or around September 29, 2021 to shareholders of record as of September 15, 2021.

33

On November 10, 2021, the Board of Directors of the Company declared a dividend of $0.18 per share, which was paid in cash 
on or around December 29, 2021 to shareholders of record as of December 15, 2021.

On February 16, 2022, the Board of Directors of the Company declared a dividend of $0.20 per share which will be paid in cash 
on or around March 29, 2022 to shareholders of record as of March 16, 2022.

Other Income

In March 2021, we 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, we sold our remaining shares in ADS Maritime Holding for consideration of 
approximately $0.8 million. 

COVID-19 Pandemic

Since  the  beginning  of  the  calendar  year  2020,  efforts  to  stop  the  spread  of  COVID-19  have  caused  restrictions  on  the 
movement of people and affected 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 has been and could in the future again 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, ports and organizations, including those where the Company conducts a large part 
of  its  operations,  implemented  measures  to  combat  the  pandemic,  such  as  quarantines  and  travel  restrictions.  Though  these 
measures have in large part been relaxed, to the extent governments determine to reinstate similar measures in the future as a 
result  of  any  resurgence  or  worsening  of  the  pandemic,  this  could  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,  among  others,  new  information  which  may  emerge  concerning  the  severity  of  the 
virus,  any  resurgence  of  the  virus,  the  actions  to  contain  or  treat  its  impact,  others  and  the  length  of  time  that  the  pandemic 
continues  and  whether  subsequent  waves  of  the  infection  happen,  including  as  a  result  of  vaccination  rates  among  the 
population, the effectiveness of COVID-19 vaccines and the response by governmental bodies and regulators.

As of March 24, 2022, the Company is still experiencing a high degree of crew change logistical challenges in connection with 
the COVID-19 outbreak. There are still several jurisdictions that limit and/or prohibit the change of crew resulting in continuing 
higher operating costs and time delays.

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 short, 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.

34

 
(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, a jack-
up drilling rig and an ultra-deepwater drilling unit. 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 maritime 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 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, maritime and offshore oil exploration and production markets continue to expand their use of 
chartered-in  assets  to  add  capacity.  From  February  2022,  Seadrill  was  determined  to  no  longer  be  a  related  party 
following its emergence from bankruptcy (see Item 7.B.—Related Party Transactions).

(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.

Our Environmental, Social and Governance Efforts 

SFL relies on the SASB framework for our sector to facilitate the monitoring of material ESG issues. We strive to incorporate 
the  UN  Global  Compact  Principles  in  our  operations  in  general,  as  well  as  in  our  ESG  management  system,  as  more  fully 
described below.

To  aid  us  in  prioritizing  our  sustainability  efforts,  we  conducted  a  materiality  analysis  in  2020.  Our  review  of  potentially 
material topics followed the GRI Materiality Standard (GRI 3, 2021), considering the severity and likelihood of the impacts of 
our operations. Our ESG priorities also take into consideration those which are financially material, and we are guided by the 
SASB  Marine  Transportation  Standard  (2018)  in  this  regard.  The  following  topics  have  been  considered  by  the  Board  of 
Directors and are deemed material for inclusion in the ESG report:

Direct GHG emissions
Low carbon energy sources
Climate-related risks

•
•
•
• Marine casualties involving crew
•
•
•
•

Corruption risk
Ship recycling
Spills and releases
Compliance training and training on board our vessels

In 2021, SFL has established specific targets for the material areas pinpointed in the assessment described above. In particular, 
SFL will continue to develop its strategy to address direct emissions and associated climate-related risks.

Our Corporate Code of Business Ethics and Conduct is established by the Board of Directors. The Board works to ensure that 
we have sufficient internal control and risk management systems in place, which encompass our corporate values and ethical 
guidelines, including the guidelines for corporate social responsibility. The Board routinely considers critical ESG issues, and 
in line with our Code of Conduct any significant incidents are reported directly to the Board. The Board also reviews our annual 
ESG  report,  which  sets  forth  our  ESG  strategy  and  goals,  and  report  on  our  ESG  performance  across  all  our  business 
operations.  All  of  our  ESG  Reports  may  be  found  on  our  website  at  https://www.sflcorp.com/esg/.  The  information  on  our 
website is not incorporated by reference into this annual report.

Together with industry peers such as Avance Gas, Flex LNG, Frontline and Golden Ocean, we have established an ESG forum, 
the goal of which is to design industry leading approaches to ESG risk management and reporting parameters.

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We  also  support  the  following  initiatives:  The  Neptune  Declaration,  the  Maritime  Anti-Corruption  Network  (“MACN”),  the 
Clean Shipping Alliance, and the International Association of Independent Tanker Owners (“Intertanko”). We also comply with 
the requirements of Oil Companies International Marine Forum (“OCIMF”).

Environmental Priorities

Monitoring and Management
At SFL, we are examining ways to manage our environmental impact. in order to better protect the environment, the sector, our 
customers and our own business. Our Environmental Policy describes our commitment to environmental due diligence and how 
spills and operational emissions of sulfur oxides, nitrogen oxides, waste and other discharges are to be managed. 

In 2021, we unveiled out a digital platform to track vessel fuel efficiency. We believe live tracking our vessels’ emissions and 
energy  consumption  is  an  important  tool  to  monitor  energy  efficiency  and  emissions  in  accordance  with  regulations  and  our 
own targets.

Decarbonisation
We  see  decarbonisation  as  a  strategic  priority  going  forward;  this  addresses  our  direct  emissions,  climate-related  risks  of 
regulatory changes, evolving expectations from our customers, as well as access to cost efficient capital. The energy mix in our 
fleet is dependent on available technologies.

Social Priorities

We  believe  that  providing  safe  and  healthy  labour  conditions,  a  supportive  environment  and  opportunities  for  employees  to 
develop within the Company are key to the well-being of our staff and fundamental to the long-term success of SFL.

Labour Rights and Working Conditions
In addition to securing our workers’ health and safety, we seek to ensure that our employees, onshore and offshore, are working 
under  conditions  that  meet  the  requirements  set  out  in  the  International  Labour  Conventions  and  the  Maritime  Labour 
Convention.  As  part  of  safeguarding  seafarers  labour  rights,  these  conventions  include  the  right  to  collective  bargaining 
agreements, and that no employee is discriminated based on nationality, race or any other basis. 

Diversity
Our policies prohibit discrimination against any employee or any other person on the basis of sex, race, colour, age, religion, 
sexual  preference,  marital  status,  national  origin,  disability,  ancestry,  political  opinion,  or  any  other  basis.  We  are  an 
international  company  with  shipboard  employees  from  across  the  world.  While  our  shipboard  employees  are  predominantly 
male, women make up 50 per cent of our onshore employees.

Human Rights
We are committed to respecting and protecting internationally recognised human rights as laid out in the UN Guiding Principles 
on Business and Human Rights (“UNGP”). We are an international company with suppliers from all over the world. We strive 
to have and update the necessary policies, due diligence processes and access to remedy in line with the UNGP. 

Governance Priorities

SFL has a risk-based approach to compliance and has established policies and procedures which clearly set out how we manage 
ESG  issues.  Implementing  these  policies  and  procedures  mitigates  our  risks  and  any  negative  ESG  impacts.  All  policies  and 
procedures  were  updated  in  2021.  Our  ESG  management  system  is  complemented  by  annual  risk  assessments,  integrity  due 
diligence,  training  of  employees,  third  party  audits,  internal  systems  and  controls  –  such  as  internal  compliance  testing, 
remediation and investigations. In 2021, we conducted a full Compliance Risk Assessment in order to adequately address the 
compliance risks SFL is exposed to.

Anti-Bribery and Anti-Corruption
Commitment  to  honest  and  ethical  conduct  and  integrity  are  key  values  for  SFL.  These  values  are  embedded  in  our  way  of 
working with customers, business partners, employees, shareholders and the communities in which we operate. We have a zero-
tolerance policy towards bribery as stated in our Corporate Code of Business Ethics and Conduct and Financial Crime Policy, 
which applies to all entities controlled by SFL’s officers, directors, employees as well as workers and third-party consultants, 
wherever they are located. Our implemented enterprise-wide anti-corruption and money laundering policies are modelled on the 
UK Bribery Act and US Foreign Corrupt Practices Act (“FCPA”).

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Assessing and monitoring business processes, training and controls are fundamental tools in implementing our anticorruption 
policy. As part of our compliance processes, appropriate risk-based communication and training are provided to employees as 
part of their onboarding and ongoing development programme.

See  further  details  contained  in  our  latest  Environmental  Social  Governance  Report,  which  may  be  found  on  our  website  at 
https://www.sflcorp.com/esg/. The information on our website is not incorporated by reference into this annual report.

Customers

As  of  March  24,  2022,  our  customers  includes,  among  others,  Frontline  Shipping  Limited  (“Frontline  Shipping”),  Seadrill 
Limited (“Seadrill”), Golden Ocean Group Limited (“Golden Ocean”), 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”),  ConocoPhillips  Skandinavia  AS  (“ConocoPhillips”),  Phillips  66 
Company  (“Phillips  66”),  Landbridge  Group  Co.  Ltd  and  its  subsidiaries  (“Landbridge”),  Evergreen  Marine  Corporation 
(Taiwan) Ltd. and its affiliate Evergreen Marine (Singapore) Pte Ltd (“Evergreen”), Volkswagen Konzernlogistik Gmbh Co. 
OHG Wolfsburg (“Volkswagen”), Kawasaki Kisen Kaisha Ltd. (“K Line”), Trafigura Maritime Logistics Pte Ltd (“Trafigura”) 
and Hapag-Lloyd AG (“Hapag-Lloyd”). 

In the year ended December 31, 2021:

•

•

•

•

•

Two VLCC crude tankers leased to Frontline Shipping accounted for approximately 2% of our consolidated operating 
revenues (2020: 6%, 2019: 4%). 

Eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden  Ocean  accounted  for  approximately  12%  of  our 
consolidated operating revenues (2020: 11%, 2019: 11%).

28  container  vessels  on  long-term  bareboat  charters  to  MSC  accounted  for  approximately  2%  of  our  consolidated 
operating revenues (2020: 13%, 2019: 14%). 18 of these vessels were sold and redelivered to MSC in August 2021 
and September 2021 following exercise of the applicable purchase options.

15  container  vessels  on  long-term  time  charters  to  Maersk  accounted  for  approximately  32%  of  our  consolidated 
operating revenues (2020: 29%; 2019: 30%).

Six  container  vessels  on  time  charter  to  Evergreen  accounted  for  approximately  15%  of  our  consolidated  operating 
revenues (2020: 15%, 2019: 14%).

Our  income  earned  from  Seadrill  was  earned  from  drilling  units  leased  to  Seadrill  through  two  wholly  owned  subsidiaries 
which were previously accounted for using the equity method. One of the subsidiaries was consolidated from October 2020 and 
the second subsidiary from August 2021. (See details in risk factors and history and developments above). In the year ended 
December 31, 2021, income from the one remaining associated company chartered to Seadrill and consolidated from August 
2021, accounted for approximately 2% of our net income (2020: 7% of net loss from three associated companies, 2019: 35% of 
net income from three associated companies). Also, in the year ended December 31, 2021, revenue from subsidiaries that were 
consolidated and leased rigs to Seadrill, accounted for approximately 6% of our consolidated operating revenues (2020: 1% in 
relation to one drilling unit, 2019: 0% none).

Competition

We currently operate in several sectors of the maritime, shipping and offshore industries, 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,  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.

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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, however this will vary depending 
on market conditions and the availability of vessels.

Our jack-up drilling rig and our ultra-deepwater drilling unit are sub-chartered out on 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, specifications, 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  are 
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.

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 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 and rigs are flagged in Liberia, the 
Marshall Islands, Panama, Hong Kong and Norway.

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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  dry  bulk,  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.

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,  with  the  exception  of  vessels  fitted  with  exhaust  gas  cleaning  equipment  (“scrubbers”)  which  can 
carry fuel of higher sulfur content. These regulations subject ocean-going vessels to stringent emission controls, and may cause 
us to incur substantial costs.

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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.  In  December  2021,  the  member  states  of  the  Convention  for  the 
Protection  of  the  Mediterranean  Sea  Against  Pollution  (“Barcelona  Convention”)  agreed  to  support  the  designation  of  a  new 
ECA in the Mediterranean. The group plans to submit a formal proposal to the IMO by the end of 2022 with the goal of having 
the ECA implemented by 2025. 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 (“SEEMP”), 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.

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 were adopted at the MEPC 76 session in June 2021 and are expected to enter into force on November 1, 2022 with 
the  requirements  for  EEXI  and  CII  certification  coming  into  effect  from  January  1,  2023.  MEPC  77  adopted  a  non-binding 
resolution  which  urges  Member  States  and  ship  operators  to  voluntarily  use  distillate  or  other  cleaner  alternative  fuels  or 
methods of propulsion that are safe for ships and could contribute to the reduction of Black Carbon emissions from ships when 
operating in or near the Arctic.

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.

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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”).

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  upcoming  amendments,  which  will  come  into  force  on  June  1,  2022,  include  (1)  addition  of  a 
definition of dosage rate, (2) additions to the list of high consequence dangerous goods, (3) new provisions for medical/clinical 
waste,  (4)  addition  of  various  ISO  standards  for  gas  cylinders,  (5)  a  new  handling  code,  and  (6)  changes  to  stowage  and 
segregation provisions.

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. By IMO resolution, administrations are encouraged to ensure that cyber-risk management systems are incorporated by 
ship-owners  and  managers  by  their  first  annual  Document  of  Compliance  audit  after  January  1,  2021.  In  February  2021,  the 
U.S.  Coast  Guard  published  guidance  on  addressing  cyber  risks  in  a  vessel’s  safety  management  system.  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.

41

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.

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.

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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  (the  “IAFS  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.  In  addition,  the  IAFS  Certificate  has  been  updated  to  address  compliance  options  for  anti-fouling 
systems to address cybutryne. Ships which are affected by this ban on cybutryne must receive an updated IAFS Certificate no 
later than two years after the entry into force of these amendments. Ships which are not affected (i.e. with anti-fouling systems 
which  do  not  contain  cybutryne)  must  receive  an  updated  IAFS  Certificate  at  the  next  anti-fouling  application  to  the  vessel. 
These amendments were formally adopted at MEPC 76 in June 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 24, 2022, 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.

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.

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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.

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In 2010, the 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.  In  January  2021,  U.S.  President  Biden  signed  an  executive  order  temporarily  blocking  new 
leases for oil and gas drilling in federal waters. However, Attorneys general from 13 states filed suit in March 2021 to lift the 
executive order and in June 2021, a federal judge in Louisiana granted a preliminary injunction against the Biden administration 
stating that the power to pause offshore oil and gas leases "lies solely with Congress". With these rapid changes, 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 operations.

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 WOTUS. In 2019 and 
2020, the agencies repealed the prior WOTUS Rule and promulgated the Navigable Waters Protection Rule (“NWPR”) which 
significantly  reduced  the  scope  and  oversight  of  EPA  and  the  Department  of  the  Army  in  traditionally  non-navigable 
waterways. On August 30, 2021 a federal district court in Arizona vacated the NWPR and directed the agencies to replace the 
rule.  On  December  7,  2021,  the  EPA  and  the  Department  of  the  Army  proposed  a  rule  that  would  reinstate  the  pre-2015 
definition which is subject to public comment until February 7, 2022. 

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.

45

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  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. On July 14, 2021 the European Parliament formally proposed its plan, which would involve 
gradually  including  the  maritime  sector  from  2023  and  phasing  the  sector  in  over  a  three-year  period.  This  will  require 
shipowners  to  buy  permits  to  cover  these  emissions.  Contingent  on  negotiations  and  a  formal  approval  vote,  these  proposed 
regulations may not enter into force for another year or two.

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.

46

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. At MEPC 77, the Member States agreed to initiate the revision of the Initial IMO 
Strategy  on  Reduction  of  GHG  emissions  from  ships,  recognizing  the  need  to  strengthen  the  ambition  during  the  revision 
process. A final draft Revised IMO GHG Strategy would be considered by MEPC 80 (scheduled to meet in spring 2023), with a 
view to adoption.

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. On November 2, 2021, 
the EPA issued a proposed rule under the CAA designed to reduce methane emissions from oil and gas sources. The proposed 
rule which reduces 41 million tons of methane emissions between 2023 and 2025 and cuts methane emissions in the oil and gas 
sector  by  approximately  74  percent  compared  to  emissions  from  this  sector  in  2005.  EPA  also  anticipates  issuing  a 
supplemental proposed rule in 2022 to include additional methane reduction measures following public input and anticipates 
issuing a final rule by the end of 2022. If these new regulations are finalized, they could 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.

47

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 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.

The  U.S.  Bureau  of  Ocean  Energy  Management  ("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.

48

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, former U.S. President Obama invoked a law that banned offshore oil and gas drilling in large areas of the Arctic and 
the  Atlantic  Seaboard.  In  April  2017,  former  President  Trump  signed  an  executive  order  sought  to  loosen  that  ban  but  was 
blocked by a federal court ruling in Alaska in March 2019. The Trump administration appealed the decision and in April 2021, 
a federal appeals court affirmed the ruling and found that President Biden's reinstatement of Obama-era protections makes moot 
the Trump administration's attempts to allow oil development in the Atlantic and Arctic waters. In November 2021, the House 
of Representatives passed the Build Back Better Act, which initially included provisions that banned offshore drilling in both 
the Atlantic and Pacific Oceans, as well as the eastern Gulf of Mexico, and cancelled drilling leases and blocked future oil and 
gas extraction in the Arctic National Wildlife Refuge. However, the Senate stripped the ban on offshore drilling from the bill, 
although  the  ban  on  energy  extraction  activities  in  the  Arctic  National  Wildlife  Refuge  is  still  in  place.  Negotiations  on  the 
Build Back Better Act are still ongoing.

In  conjunction  with  the  2016  U.S.  ban,  the  government  of  Canada  simultaneously  banned  new  drilling  in  Canadian  Arctic 
waters  and  in  August  2019,  issued  an  order  prohibiting  oil  and  gas  activities  under  existing  leases  in  the  Canadian  Arctic 
offshore.  The  Canadian  government  imposed  a  five-year  moratorium  on  its  2016  ban  of  new  Canadian  Arctic  drilling,  and 
based  on  its  research  and  findings,  these  restrictions  may  be  lifted.  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.  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  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.

49

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 maintain 
insurance against loss of hire on our operated fleet, 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.

50

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  five  dry  bulk  carriers,  two  chemical  tankers  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 bulk carriers 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.

51

D. PROPERTY, PLANTS AND EQUIPMENT

We  own  a  substantially  modern  fleet  of  vessels  and  rigs.  The  following  table  sets  forth  the  fleet  that  we  own  or  charter-in 
including those in our associated companies as of March 24, 2022. All of the VLCCs, Suezmax tankers, product tankers and 
chemical tankers are double-hull vessels.

Approximate

Built

Capacity

Flag

Lease
Classification *

Charter 
Termination
Date*

Vessel

VLCCs

Front Energy

Front Force
Landbridge Wisdom

Suezmaxes

Glorycrown

Everbright

Marlin Santorini
Marlin Sicily
Marlin Shikoku

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

Product Tankers
SFL Trinity

SFL Sabine

SFL Puma

SFL Tiger

SFL Lion

SFL Panther

Chemical Tankers

2004

2004

2020

2009

2010

2019
2019
2019

2009

2009

2009

2010

2010

2010

2011

2013

2012

2012

2017

2017

2015

2015

2014

2015

305,000 Dwt

305,000 Dwt

308,000 Dwt

156,000 Dwt

156,000 Dwt

150,000 Dwt

150,000 Dwt

150,000 Dwt

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

114,000 Dwt

114,000 Dwt

115,000 Dwt

115,000 Dwt

115,000 Dwt

115,000 Dwt

MI

MI

HK

MI

MI

MI
MI
MI

MI

MI

HK

HK

HK

HK

HK

MI

HK

HK

MI

MI

MI

MI

MI

MI

MI
MI

Direct Financing

Direct Financing

2027

2027

Leaseback assets

2027 (1)

n/a

n/a

Operating
Operating
Operating

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

n/a (2)

n/a (2)

2026 (9)
2027 (9)
2027 (9)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

Operating 

Operating 

2022

2022

Operating 

Operating

Operating

Operating

Operating

Operating

n/a
n/a

2024

2024

2026 (9)

2026 (9)

2027 (9)

2027 (9)

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

SFL Weser (ex Maria Victoria V)
SFL Elbe (ex SC Guangzhou)

2008
2008

17,000 Dwt

17,000 Dwt

Container vessels
MSC Margarita

2002

5,800 TEU

LIB

Sales Type

2024 (1) (5)

52

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

Thalassa Axia

Thalassa Doxa

Thalassa Mana

Thalassa Tyhi

Cap San Vincent

Cap San Lazaro

Cap San Juan

MSC Erica

MSC Reef

SFL Maui

SFL Hawaii

Maersk Zambezi

Thalassa Patris

Thalassa Elpida

Car Carriers
SFL Composer

SFL Conductor

2001

2002

2002

2002

2002

2002

2002

2002

2003

2005

2005

2014

2014

2015

2015

2015

2016

2016

2016

2017

2014

2014

2014

2014

2015

2015

2015

2016

2016

2013

2014

2020

2013

2014

2005

2006

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

14,000 TEU

14,000 TEU

14,000 TEU

14,000 TEU

10,600 TEU

10,600 TEU

10,600 TEU

19,400 TEU

19,400 TEU

6,800 TEU

6,800 TEU

5,300 TEU

14,000 TEU

14,000 TEU

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

MI

MI

MI

MI

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

MI

MI

MI

LIB

LIB

LIB

LIB

MI

LIB

LIB

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

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Direct Financing

Direct Financing

Operating

Operating

Operating

Operating

Operating

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)

2025

2022

2024

2024

2025

2025

2024

2024

2024

2031 (1) (3)

2032 (1) (3)

2024 (6)

2024 (6)

2024 (6)

2024 (6)

2024 (1) (4)

2024 (1) (4)

2024 (1) (4)

2033 (1) (3)

2033 (1) (3)

2027 (1)

2027 (1)

2028 (1)

2023

2024

6,500 CEU

6,500 CEU

HK

PAN

Operating 

Operating 

2023 (2)

2023 (2)

Jack-Up Drilling Rig

West Linus 

Ultra-Deepwater Drill Unit

2014

450 ft

NOR

Operating

2028 (1) (8)

West Hercules

2008

10,000 ft

PAN

Operating

2024 (1) (8)

Supramax Dry Bulk Carriers

SFL Hudson

2009

57,000 Dwt 

MI

n/a

n/a (2)

53

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
SFL Yukon

SFL Sara

SFL Kate

SFL Humber

2010

2011

2011

2012

57,000 Dwt

57,000 Dwt

57,000 Dwt

57,000 Dwt

HK

HK

HK

HK

n/a

n/a

n/a

n/a

n/a (2)

n/a (2)

n/a (2)

n/a (2)

* Lease classifications and charter termination dates are as of December 31, 2021. 

Key to Flags: HK – Hong Kong, LIB – Liberia, MI – Marshall Islands, PAN – Panama, 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) The charters in respect of these vessels were extended in 2019 and the lease classification changed from operating 

leases to sales type leases.

(6) The  charters  in  respect  of  these  vessels  were  extended  in  2020.  The  charters  for  these  four  vessels  were  further 

amended in 2021 removing the 18 months charterer's extension option.

(7) The charters in respect of 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.  On  March  9,  2021,  and  following  approval  by  the  applicable 
bankruptcy  court  of  the  Interim  Funding  and  Settlement  Agreement  signed  between  the  Company  and  Seadrill, 
which allowed Seadrill to pay reduced charter hire during the interim period, the leases were reclassified from direct 
financing leases to operating leases. Please also refer to our Risk factors and Item 4 above.

(9) Charterer has the right to trigger a sale to a third party, at any time after the first year, with net proceeds over an 
agreed  sum  to  be  shared  between  the  charterer  and  SFL,  with  profit  split  on  a  previously  agreed  upon  basis  of 
calculation.

In addition to the above fleet of vessels and rigs, we also have four newbuilding dual-fuel 7,000 CEU car carriers designed to 
use liquefied natural gas ("LNG") under construction and with deliveries expected to take place in 2023 and 2024.

Substantially, all of our owned vessels and rigs as of December 31, 2021 are pledged under mortgages, excluding three 1,700 
TEU container vessels, two chemical tankers and two product tankers.

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, in Singapore from Frontline Shipping Singapore Pte Ltd, 
and in London from Frontline Corporate Services Ltd, all related parties.

ITEM 4A.  UNRESOLVED STAFF COMMENTS

None.

54

 
ITEM 5.  OPERATING AND FINANCIAL REVIEW AND PROSPECTS

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

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.

Total fleet
December 31, 
2019

Additions/
Disposals
2020

Total fleet
December 31, 
2020

 Additions/
Disposals
2021

Total fleet
December 31, 
2021

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

  +1 

-4   

-5   

8 
2 
22 
48 
2 
1 
2 
5 
2 

5 
2 
22 
48 
2 
1 
2 
— 
2 

  +1 

  +5 

  +2 

-7   
-18   

-1  

6 
2 
15 
35 
2 
1 
1 
— 
4 

66 

Total Active Fleet

92 

  +1 

-9   

84 

  +8 

-26   

Between  January  1,  2022  and  March  24,  2022  an  additional  two  oil  tankers  and  two  product  tankers  were  delivered  to  the 
Company. 

Selected Financial Data

Our selected income statement and cash flow statement data with respect to the fiscal years ended December 31, 2021, 2020 
and 2019 and our selected balance sheet data with respect to the fiscal years ended December 31, 2021 and 2020 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, 2018 and 2017 and the 
selected  balance  sheet  data  for  the  fiscal  years  ended  December  31,  2019,  2018  and  2017  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.

55

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

2021

Year Ended December 31,
2020

2019

2018

2017

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

513,396 
242,838 
164,343 

1.35  $ 
1.30  $ 

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

458,849 
137,777 
89,177 

418,712 
117,615 
73,622 

0.83  $ 
0.83  $ 

0.70  $ 
0.69  $ 

77,552 

109,394 

150,659 

149,261 

0.63  $ 

1.00  $ 

1.40  $ 

1.40  $ 

380,878 
154,626 
101,209 
1.06 
1.03 
152,907 
1.60 

$ 
$ 

$ 

Year Ended December 31,

2021

2020

2019

2018

2017

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

Balance Sheet Data (at end of period):

Cash and cash equivalents

145,622 

215,445 

199,521 

211,394 

153,052 

Vessels and equipment, net (including 
newbuildings)

2,287,676 

1,240,698 

1,404,705 

1,559,712 

1,762,596 

Vessels and equipment under finance lease, net

656,072 

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

204,766 

677,543 

994,387 

802,159 

618,071 

61,640 

151,207 

368,222 

366,907 

328,505 

3,459,297 

3,093,211 

3,885,370 

3,877,845 

3,012,082 

1,889,214 

1,649,069 

1,608,088 

1,437,080 

1,504,007 

524,200 

1,386 

982,327 

573,087 

1,106,427 

1,172,051 

1,278 

1,194 

1,194 

239,607 

1,109 

795,651 

1,106,369 

1,180,032 

1,194,997 

Common shares outstanding (1)

  138,551,387 

  127,810,064 

  119,391,310 

  119,373,064 

  110,930,873 

Weighted average common shares outstanding (1)

  122,140,675 

  108,971,605 

  107,613,610 

  105,897,798 

  95,596,644 

Cash Flow Data:

Cash provided by operating activities

Cash provided by (used in) investing activities

293,595 

(389,050)   

276,475 

176,339 

249,707 

200,975 

(169,881) 

(866,564) 

177,796 

48,362 

Cash provided by (used in) financing activities

25,017 

(431,432) 

(89,204) 

724,931 

(135,488) 

Note  1:  The  number  of  common  shares  outstanding  as  of  December  31,  2021  and  2020  includes  8,000,000  shares  initially 
issued and loaned as part of a share lending arrangement relating to the issue in October 2016 of our 5.75% senior unsecured 
convertible bonds. After the maturity of these bonds in 2021, the Company entered into a general share lending agreement with 
another counterparty and the 8,000,000 shares were transferred into its custody. The number of common shares outstanding as 
of  December  31,  2021  and  2020  also  includes  3,765,842  shares  issued  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 3,765,842 shares, which were issued and loaned, are owned by the Company and are to be returned on or before 
maturity  of  the  bonds  in  2023  pursuant  to  the  terms  of  the  applicable  share  lending  arrangement.  Accordingly,  the  total 
11,765,842  of  loaned  shares  are  not  included  in  the  weighted  average  number  of  common  shares  outstanding  as  of 
December 31, 2021 and 2020.

56

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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.

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  and 
Golden Ocean. 

In the year ended December 31, 2021: 

•

•

•

•

•

Two VLCC crude tankers leased to Frontline Shipping accounted for approximately 2% of our consolidated operating 
revenues (2020: 6%, 2019: 4%). 

Eight Capesize dry bulk carriers leased to a subsidiary of Golden Ocean which accounted for approximately 12% of 
our consolidated operating revenues (2020: 11%, 2019: 11%). 

28  container  vessels  on  long-term  bareboat  charters  to  MSC  accounted  for  approximately  2%  of  our  consolidated 
operating revenues (2020: 13%, 2019: 14%). 18 of these vessels were sold and redelivered to MSC in August 2021 
and September 2021 following exercise of the applicable purchase options.

15  container  vessels  on  long-term  time  charters  to  Maersk  accounted  for  approximately  32%  of  our  consolidated 
operating revenues (2020: 29%, 2019: 30%). 

Six  container  vessels  on  time  charter  to  Evergreen  accounted  for  approximately  15%  of  our  consolidated  operating 
revenues in the year ended December 31, 2021 (2020: 15%, 2019: 14%).

Our  income  earned  from  Seadrill  was  earned  from  drilling  units  leased  to  Seadrill  through  two  wholly  owned  subsidiaries 
which were previously accounted for using the equity method. One of the subsidiaries was consolidated from October 2020 and 
the second subsidiary from August 2021. (See details in risk factors and history and developments above). In the year ended 
December 31, 2021, income from the one remaining associated company chartered to Seadrill and consolidated from August 
2021, accounted for approximately 2% of our net income (2020: 7% of net loss from three associated companies, 2019: 35% of 
net income from three associated companies). Also, in the year ended December 31, 2021, revenue from subsidiaries that were 
consolidated and leased rigs to Seadrill, accounted for approximately 6% of our consolidated operating revenues (2020: 1% in 
relation to one drilling unit, 2019: 0% none).

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. 

57

 
 
 
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, 2021, 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 two Suezmax tankers, two chemical tankers and 
five  dry  bulk  carriers  trading  in  the  spot  or  short-term  time  charter  market,  where  the  effects  of  seasonality  may  affect  the 
earnings of these vessels. 

We have revenue under profit sharing agreements with some of our charterers, in particular with Frontline Shipping and Golden 
Ocean.  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 rate and 
for  extended  periods  ranging  between  approximately  three  to  four  years,  with  additional  optional  periods  at  the  charterer's 
option. 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.

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 21 container vessels, two car carriers, two dry bulk carriers, three Suezmax tankers and six product tankers employed 
on time charters, and two Suezmax tankers, two chemical tankers and five 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.

58

 
 
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”),  and  1.3  million  shares  in  NorAm  Drilling  Company  AS  (“NorAm  Drilling”)  traded  in  the  Norwegian 
Over the Counter market (“OTC”). 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.

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

In the year ended December 31, 2021 we had certain investments accounted for using the equity method. The total income from 
associated  companies  accounted  for  6.8%  of  our  net  income  in  the  year  ended  December  31,  2021  (2020:  7.2%  of  net  loss, 
2019: 35.0% of net income). 

Our  income  earned  from  Seadrill  is  through  two  (2020:  three)  wholly  owned  subsidiaries  which  were  initially  accounted  for 
using  the  equity  method,  that  lease  drilling  units  to  subsidiaries  of  Seadrill.  Following  approval  of  the  amendments  to  the 
charter and debt agreements, SFL Hercules was no longer deemed to be a variable interest entity and became consolidated by 
the Company in August 2021. SFL Linus and SFL Deepwater are also consolidated by the Company from October 2020. This 
was  partially  offset  by  the  addition  of  River  Box  Holding  Inc.  (“River  Box”),  previously  a  wholly  owned  subsidiary  of  the 
Company. On December 31, 2020, we sold 50.1% of the shares of River Box to a subsidiary of Hemen. We accounted for the 
remaining 49.9% ownership in River Box using the equity method in the year ended December 31, 2021.

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. 

59

 
 
 
 
Revenue Recognition

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.

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.

60

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 10-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. The installation of scrubbers was completed in 2020 and 2021. As 
part of the charter agreements, we receive a share of the fuel savings, dependent on the price difference between IMO compliant 
fuel  and  IMO  non-compliant  fuel  that  is  subsequently  made  compliant  by  the  scrubbers.  Amounts  receivable  under  these 
arrangements are accrued on the basis of amounts earned at the reporting date.

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 to 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 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".

61

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.

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. 

62

The  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. 

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. 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

Any  vessels  purchased  and  leased  back  to  the  same  party  are  evaluated  under  sale  and  leaseback  accounting  to  determine 
whether it is appropriate to account for the transaction as a sale and purchase of an asset, respectively. 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 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. 

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 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.

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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 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.  In  2021,  reviews  of  the  carrying  value  of  long-lived  assets  indicated  that  one  drilling  unit  was  impaired,  and 
charges were taken against the asset.

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.

As of December 31, 2021, we owned 55 vessels and rigs. The aggregate carrying value of these 55 assets as of December 31, 
2021,  was  $2.4  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, 2021
($ millions)

12 

15 

26 

2 

55 

462 

329 

1,045 

599 

2,435 

(1) Includes eight vessels with an aggregate carrying value of $270 million, which we believe exceeds their aggregate charter-
free market value by approximately $42 million and four vessels with a carrying value of $192 million which we believe is 
approximately $34 million less than their charter-free market value.

(2) Includes five vessels with an aggregate carrying value of $103 million, which we believe exceeds their aggregate charter-
free market value by approximately $18 million and 10 vessels with a carrying value of $226 million which we believe is 
approximately $54 million less than their charter-free market value.

64

 
 
 
 
 
 
 
 
 
 
 
(3) Includes  no  vessels  with  an  aggregate  carrying  value  which  we  believe  exceeds  their  aggregate  charter-free  market  value 
and 26 vessels with an aggregate carrying value of $1,045 million, which we believe is approximately $1,180 million less 
than their charter-free market value.

(4) Includes one jack-up drilling rig with an aggregate carrying value of $343 million which we believe exceeds its aggregate 
charter-free  market  value  by  approximately  $37  million  and  one  ultra-deepwater  drilling  unit  with  an  aggregate  carrying 
value of $256 million, which we believe is approximately $96 million less than its charter-free market value.

The  above  aggregate  carrying  value  of  $2.4  billion  as  of  December  31,  2021  is  made  up  of  (a)  $205  million  investments  in 
direct finance leases (excluding the chartered-in container vessels MSC Anna, MSC Viviana, MSC Erica and MSC Reef), and 
(b) $2,231 million vessels and equipment (excluding seven container vessels included in vessels under finance lease).

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.

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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 October 2021, the FASB issued ASU No. 2021-08, "'Business Combinations (Topic 805): Accounting for Contract Assets 
and Contract Liabilities from Contracts with Customers" ("ASU 2021-08"). This ASU requires entities to apply Topic 606 to 
recognize  and  measure  contract  assets  and  contract  liabilities  in  a  business  combination.  The  amendments  improve 
comparability  after  the  business  combination  by  providing  consistent  recognition  and  measurement  guidance  for  revenue 
contracts with customers acquired in a business combination and revenue contracts with customers not acquired in a business 
combination. The amendments are effective for the Company beginning after December 15, 2022, and are applied prospectively 
to business combinations that occur after the effective date. The Company will evaluate these amendments based on the facts 
and circumstances of any future business combinations.

In  July  2021,  the  FASB  issued  ASU  No.  2021-05,  "Leases  (Topic  842):  Lessors—Certain  Leases  with  Variable  Lease 
Payments"  ("ASU  2021-05").  The  amendments  in  this  ASU  affect  lessors  with  lease  contracts  that  (1)  have  variable  lease 
payments that do not depend on a reference index or a rate and (2) would have resulted in the recognition of a selling loss at 
lease commencement if classified as sales-type or direct financing. The Update stipulates that lessors with such leases should 
classify them as operating leases if both of the following criteria are met: (1) The lease would have been classified as a sales-
type lease or a direct financing lease in accordance with the classification criteria in ASC paragraphs 842-10-25-2 through 25-3; 
and  (2)  The  lessor  would  have  otherwise  recognized  a  day-one  loss.  This  new  standard  amends  the  lease  classification 
requirements for lessors to align them with practice under ASC Topic 840. When a lease is classified as operating, the lessor 
does not recognize a net investment in the lease, does not derecognize the underlying asset, and, therefore, does not recognize a 
selling profit or loss. ASU 2021-05 is effective for fiscal years and interim periods beginning after December 15, 2021. Entities 
have the option to apply the amendments either (1) retrospectively to leases that commenced or were modified on or after the 
adoption of Update 2016- 02 or (2) prospectively to leases that commence or are modified on or after the date that an entity first 
applies the amendments. The Company intends to choose the prospective option and the effect on the financial statements will 
be evaluated based on the facts and circumstances of future lease contracts.

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In May 2021, the FASB issued ASU No. 2021-04, "Earnings Per Share (Topic 260), Debt—Modifications and Extinguishments 
(Subtopic  470-50),  Compensation—Stock  Compensation  (Topic  718),  and  Derivatives  and  Hedging—Contracts  in  Entity’s 
Own Equity (Subtopic 815-40): Issuer’s Accounting for Certain Modifications or Exchanges of Freestanding Equity-Classified 
Written  Call  Options"  ("ASU  2021-04").  This  new  standard  provides  guidance  for  a  modification  or  an  exchange  of  a 
freestanding equity-classified written call option that is not within the scope of another Topic. It specifically addresses: (1) How 
an entity should treat a modification of the terms or conditions or an exchange of a freestanding equity-classified written call 
option  that  remains  equity  classified  after  modification  or  exchange;  (2)  How  an  entity  should  measure  the  effect  of  a 
modification  or  an  exchange  of  a  freestanding  equity-classified  written  call  option  that  remains  equity  classified  after 
modification or exchange; and (3) How an entity should recognize the effect of a modification or an exchange of a freestanding 
equity-classified written call option that remains equity classified after modification or exchange. ASU 2021-04 is effective for 
fiscal  years  and  interim  periods  beginning  after  December  15,  2021.  The  Company  does  not  expect  the  adoption  of  ASU 
2021-04 will have a material effect on the consolidated financial statements.

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". Accounting Standards Codification (“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 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. In order to preserve the presentation of derivatives 
consistent  with  past  presentation,  the  Company  expects  to  take  advantage  of  the  expedients  and  exceptions  provided  by  the 
ASUs 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"). ASU 2020-06 eliminates the current models that require separation of beneficial conversion 
and cash conversion features from convertible instruments and simplifies the derivative scope exception guidance pertaining to 
equity classification of contracts in an entity’s own equity. Consequently, a convertible debt instrument will be accounted for as 
a single liability measured at its amortized cost or will be accounted for as a single equity instrument measured at its historical 
cost, as long as no other features require bifurcation and recognition as derivatives. By removing those separation models, the 
interest rate of convertible debt instruments typically will be closer to the coupon interest rate. ASU 2020-06 also introduces 
additional disclosures for convertible debt and freestanding instruments that are indexed to and settled in an entity’s own equity. 
ASU 2020-06 amends the diluted earnings per share guidance, including the requirement to use the if-converted method for all 
convertible instruments. ASU 2020-06 is effective from January 1, 2022 and the Company plans to adopt the amendments on a 
modified retrospective basis. Based on a preliminary assessment the Company expects the adoption of ASU 2020-06 to involve 
adjustments  to  the  opening  balance  of  retained  earnings,  additional  paid-in  capital  and  unamortized  debt  issuance  costs.  The 
Company estimates the net impact of this adjustment to stockholders' equity to be less than $2 million, although this is subject 
to change based upon repurchases and issuances of convertible debt prior to implementation. Also, it is not expected that the 
amendments will have any material impact on the Company's calculation of basic or diluted earnings per share.

Market Overview

The Oil Tanker Market

The crude tanker freight market has experienced volatility during the last decade. During 2021, we continued to see easing rates 
with  the  tankers  earning  environment  among  the  weakest  observed  over  the  last  30  years.  The  average  spot  charter  rates  for 
VLCCs  were  approximately  $3,200  per  vessel  per  day  (or  $8,300  per  day  for  scrubber  fitted  vessels)  in  2021,  a  significant 
reduction from $53,100 per day in 2020. In 2019 the average spot charter rates for VLCCs were approximately $41,400 per 
day. The tanker market remained at low levels throughout 2021 with extended crude oil supply cuts. Suezmax tanker spot rates 
also experienced weaker earnings than the previous year, with average spot rates at approximately $7,300 (or $10,600 per day 
for scrubber fitted vessels) compared to $30,200 per day for 2020. 

67

Overall, tonnage demand for crude tankers decreased by 2.7% in 2021, compared to a decrease of 7.5% in 2020. However, on 
the supply side, crude oil tanker capacity increased by 3.3% in 2021, compared to a 1.1% growth in 2020. 

At  the  end  of  2021  the  total  orderbook  for  new  VLCCs  and  Suezmax  tankers  consisted,  respectively,  of  68  vessels  and  50 
vessels, representing approximately 8% of the respective fleets. 

The oil tanker market remains highly uncertain with continued negative effects from the COVID-19 outbreak resulting in lower 
global oil demand and enforced oil production cuts anticipated to continue to impact the tanker market during 2022.

The Dry Bulk Shipping Market

The  dry  bulk  shipping  market  has  experienced  volatile  market  conditions  and  an  increase  in  disruption  with  continued 
COVID-19  effects  amplified  by  rebounding  demand  resulting  in  dry  bulk  sector  earnings  averaging  the  highest  levels  since 
2008. During 2021 fleet capacity increased by approximately 3.6%, while tonnage demand increased by an estimated 4.2%. At 
the start of 2022, industry sources estimated that seaborne dry bulk trade was projected to grow by 2.2% in tonne-miles in 2022. 
This  is  more  than  the  projected  fleet  capacity  growth  of  2.0%.  A  number  of  risk  factors  may  impact  the  outlook  including 
seasonal trends, disruptions to iron ore output and easing of congestion following the continued COVID-19 outbreak which is 
also anticipated to impact the dry bulk shipping market during 2022.

The average earnings during 2021 for a Capesize, a Supramax and a Handysize dry bulk carrier were $28,000 per day ($31,100 
per day for a scrubber fitted Capesize), $27,400 per day and $25,700 per day respectively, representing an increase from 2020 
of 163%, 210% and 207%, respectively.

During the year, contracting for newbuilding dry bulk carriers increased to an estimated 38.6 million dwt up from 23.8 million 
dwt in 2020, while deliveries of new vessels amounted to approximately 37.9 million dwt and recycling removed approximately 
5.1 million dwt. As a result, fleet capacity increased by 32.6 million dwt, equivalent to approximately 3.6% of the total fleet 
size year on year. During December 2021, the total orderbook for new dry bulk carriers was 66.0 million dwt, equivalent to 7% 
of the existing fleet.

The Freight Liner Market (Containerships and Car Carriers)

The  container  charter  market  experienced  extraordinary  market  conditions  throughout  2021  with  a  major  rebound  in  global 
container  volumes  and  upside  from  continued  severe  logistical  disruptions  and  port  congestions  which  reduced  available 
capacity. Although market uncertainties continue, near term outlook remains positive with a strong start to 2022.

Global container trade (TEU-miles) is estimated to have increased by 6.5% in 2021 across the full year, as demand side trends 
remain firm with global trade volumes above levels seen pre COVID-19 outbreak.

Containership  fleet  capacity  expanded  by  a  total  of  4.5%  in  2021  compared  to  2.9%  in  2020.  2021  saw  a  moderate  pace  of 
deliveries, with deliveries during the full year of 2021, totaling 162 vessels of 1.1 million TEU comparing to 137 vessels of 
0.85  million  TEU  in  2020.  Contracting  increased  following  extraordinary  market  conditions  with  548  vessels  of  4.2  million 
TEU  contracted  in  total  during  2021.  During  the  start  of  2022,  the  orderbook  stood  at  722  vessels  of  5.7  million  TEU. 
Following significant number or newbuilding orders placed during 2021, 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 2022, according to industry sources, two years since the introduction of the IMO 2020 global sulfur cap, the majority of the 
container fleet has switched to low sulfur fuels. Currently 32% of the fleet capacity is now scrubber fitted.

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 the second quarter of 2020. During 2021 seaborne car 
trade  volumes  have  been  well  above  the  weakest  level  seen  during  2020,  with  the  car  carrier  market  experiencing  a  swift 
rebound.  While  seaborne  car  exports  are  on  track  to  improve  from  2020,  challenges  still  remain  with  global  semiconductor 
shortages impacting car output.

Seaborne car trade on an annualized basis was calculated to have increased by approximately 11% in 2021 to 18.6 million cars, 
excluding intra-EU. The increase in seaborne car trade volumes follows a decline of 21% in 2020. During the fourth quarter of 
2021, the total fleet stood at 764 vessels which totaled 4.0 million CEU of capacity, up 1.1% from the start of 2021.

68

The Offshore Drilling Market

The  oil  price  (Brent  crude  spot)  has  experienced  significant  volatility  during  the  last  decade.  The  oil  price  fluctuated  from 
yearly average levels above $100 dollars to reach a level below $20 dollars in 2020. 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. 

The market for floating drilling rigs has changed drastically, with over 100 floating rigs being retired over the past years. The 
global offshore drilling market showed signs of recovery during 2021 and with oil prices increasing in the second half making 
an increasing number of offshore projects economically viable.

At  the  end  of  September  2021,  482  offshore  rigs  were  employed  under  contract  compared  with  476  rigs  employed  under 
contract as per the end of 2020. 

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. The overviews provided are based on 
information, data and estimates derived from industry sources available as of the date of this annual report, and there can be no 
assurances that such trends will continue or that any anticipated developments referenced in such section will materialize. This 
information, data and estimates involve a number of assumptions and limitations, are subject to risks and uncertainties, and are 
subject to change based on various factors. You are cautioned not to give undue weight to such information, data and estimates. 
We  have  not  independently  verified  any  third-party  information,  verified  that  more  recent  information  is  not  available  and 
undertake no obligation to update this information unless legally obligated.

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.

Results of Operations

Year ended December 31, 2021, compared with year ended December 31, 2020

Net profit for the year ended December 31, 2021, was $164.3 million compared to a net loss of $224.4 million from the year 
ended December 31, 2020.

(in thousands of $)

Total operating revenues

Gain on sale of assets

Total operating expenses

Net operating income/(loss)

Interest income

Interest expense

(Loss)/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 income/(loss)

69

2021

513,396 

39,405 

309,963 

242,838 

7,450 

2020

471,047 

2,250 

611,471 

(138,174) 

13,400 

(97,090)   

(135,442) 

(727)   

— 

7,678 
4,194 
164,343 

67,533 

1,894 

(37,922) 
4,286 
(224,425) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net operating income for the year ended December 31, 2021, was $242.8 million, compared with net operating loss of $138.2 
million for the year ended December 31, 2020. The increase was principally due to higher operating expenses in 2020 resulting 
from impairment losses recognized on the carrying value of our long-lived assets due to changes in expected future cash flows 
following uncertainty over future demand combined with negative implications for global trade of dry bulk commodities as a 
result of the COVID-19 outbreak and a net gain in 2021 of $39.4 million mainly from the sale of seven handysize bulk carriers. 
The overall net income for 2021 compared with a loss of 2020 was a positive movement of $388.8 million mainly due to the 
impairments in net operating expenses in 2020, the gain on the sale of assets which was described above, and net gains of $7.7 
million recorded in other non-operating items in 2021. Other non-operating items, net for 2021 mainly relate to a net gain of 
$11.6 million from positive mark-to-market adjustments on non-designated derivatives compared with a loss of $20.4 million in 
2020.

River Box was previously a 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, and has 
accounted for the remaining 49.9% ownership in River Box using the equity method. (See Note 18: Investment in Associated 
Companies).  The  net  income  of  the  River  Box  group  is  included  under  “equity  in  earnings  of  associated  companies”  during 
2021.

In August 2021, a wholly owned subsidiary owning the ultra-deepwater drilling unit West Hercules ceased to be accounted for 
as an associate and became consolidated. In addition, 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 net income 
of the wholly-owned subsidiaries owning these assets are included under “equity in earnings of associated companies”, for the 
period  these  are  accounted  for  under  the  equity  method.  In  the  year  ended  December  31,  2020,  two  ultra-deepwater  drilling 
units and one harsh environment jack-up drilling rig were 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

2021

19,524 

6,570 

20,704 

2020

71,216 

6,903 

22,569 

369,745 

320,589 

30,696 

61,804 

4,353 

7,863 

37,287 

4,620 

513,396 

471,047 

Total operating revenues increased by 9.0% in the year ended December 31, 2021, compared with the year ended December 31, 
2020.

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

Sales-type  leases  and  direct  financing  leases  interest  income  arises  on  our  two  crude  oil  tankers  on  charter  to  Frontline 
Shipping, 25 container vessels on charter to MSC, from which 15 vessels were delivered back to MSC between August 2021 
and  September  2021  following  a  purchase  option  exercised  by  MSC  and  one  drilling  rig  on  charter  to  Seadrill  until  its 
reclassification as operating lease on March 9, 2021. In addition, the Company has leaseback interest income from one VLCC 
and  three  feeder  container  vessels  chartered  to  MSC,  until  their  delivery  back  to  MSC  in  August  2021  following  a  purchase 
option exercised.

In general, sales-type leases, direct financing leases and leaseback assets interest income reduces over the terms of our leases. A 
greater proportion of rental payment is treated as repayment of investment in the lease or loan and progressively, as the capital 
is repaid, interest payments by the applicable lessee decreases.

70

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The  $51.7  million  decrease  in  sales-type,  direct  financing  leases  and  leaseback  assets  interest  income  from  2020  to  2021  is 
mainly a result of the sale and delivery of 18 feeder container vessels to MSC in August 2021 and September 2021, following 
the exercise of the applicable purchase options in their lease contracts, the sale of four container vessels as part of the sale of 
50.1% of River Box in December 2020, the sale of one VLCC in February 2020, which was on charter to Frontline Shipping 
and  the  sale  of  three  VLCCs  in  August  2020  and  November  2020  on  charter  to  Hunter  Group.  This  significantly  reduced 
interest income was partially offset by the addition of one VLCC in the second quarter of 2020.

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 $0.3 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  are  entitled  to  50%  profit  share  above  the  base 
charter rates, calculated and paid on a quarterly basis. We earned and recognized profit sharing revenue under this arrangement 
of $0.3 million in the year ended December 31, 2021 compared with $18.6 million in 2020. The decrease is attributable to a less 
favorable tanker market in 2021. The profit share was earned on two vessels in 2021 compared to three vessels 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 profit above the base charter rates, calculated and paid on a quarterly basis. In the year ended 
December  31,  2021,  we  recorded  a  profit  share  revenue  of  $9.8  million  under  this  arrangement  compared  with  $0.0  million 
profit share in 2020. The increase is attributable to more favorable rates in 2021 for the dry bulk vessels. 

We recorded $10.6 million from a fuel saving arrangement relating to seven container vessels on charter to Maersk, following 
the installation of scrubbers (2020: $3.9 million relating to five container vessels). 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. 

Time charter revenues

During 2021, time charter revenues were earned by 21 container vessels, two car carriers, 22 dry bulk carriers, seven of which 
were  sold  in  the  fourth  quarter  of  2021,  one  Suezmax  tanker  and  four  product  tankers.  The  $49.2  million  increase  in  time 
charter  revenues  in  2021  compared  with  2020,  was  mainly  the  result  of  the  acquisition  of  five  container  vessels  in  the  third 
quarter of 2021, two product tankers and one Suezmax tanker in the fourth quarter of 2021 and due to more drydocking and off 
hire days in 2020 for scrubber installations.

Bareboat charter revenues

Bareboat charter revenues are earned by our vessels and rigs which are leased under operating leases on a bareboat basis. In 
2021, this consisted of two chemical tankers and two drilling rigs on charter to Seadrill. The $22.8 million increase in bareboat 
revenue in 2021 compared with 2020, was a result of the reclassification of the West Linus lease from a direct financing lease to 
an  operating  lease  in  March  2021.  In  addition,  in  August  2021,  the  wholly  owned  subsidiary  owning  the  ultra-deepwater 
drilling unit West Hercules ceased to be accounted for as an associate and became consolidated. In June 2021 and November 
2021, our chemical tankers completed their respective bareboat charters and were subsequently chartered in the spot market.

Voyage charter revenues

The $24.5 million increase in voyage charter revenues from 2020 to 2021 was mainly attributable to the voyage charter revenue 
of  the  Handysize  dry  bulk  carriers  which  are  sometimes  chartered  on  a  voyage-by-voyage  basis.  Seven  of  these  vessels  had 
voyage revenue in 2021, compared to three vessels in 2020. The above vessels also had more favorable rates in 2021 compared 
to 2020 due to favorable market conditions. In addition, both our chemical tankers completed their bareboat charters in June 
and  November  2021  respectively  and  were  subsequently  chartered  in  the  spot  market.  The  above  is  slightly  offset  by  the 
relative lower earnings of the two Suezmax tankers, Everbright and Glorycrown, trading in a pool together with two similar 
tankers owned by Frontline. The decrease is attributable to a less favorable tanker market in 2021 compared with 2020.

71

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, Seadrill, MSC, Landbridge and Hunter Group during 2021 and 2020, and shows how they are accounted 
for:

(in thousands of $)

Charter hire 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

2021

2020

19,524 

6,570 

36,276 

62,370 

71,216 

6,903 

60,590 

138,709 

Gain/(loss) on sale of assets

In 2021, the net gain of $39.4 million arose on the disposal of 18 feeder container vessels, previously on long term charter to 
MSC, seven Handysize bulk carriers, previously operating in the spot market and one drilling unit (West Taurus), which was 
sold for recycling. (See Note 8: Gain on Sale of Assets).

In  2020,  a  net  gain  of  $2.3  million  was  recorded,  arising  from  the  disposal  of  one  VLCC  (Front  Hakata)  and  five  offshore 
support vessels (Sea Cheetah, Sea Jaguar, Sea Halibut, Sea Pike and Sea Leopard) to unrelated third parties. (See Note 8: Gain 
on  Sale  of  Assets).  Also  in  2020,  we  sold  the  three  VLCCs  Hunter  Atla,  Hunter  Saga  and  Hunter  Laga.  The  sale  proceeds 
equaled their carrying value at the date of sale and therefore no gain or loss was recorded on the sale of these vessels. 

Operating expenses

(in thousands of $)

Vessel operating expenses

Depreciation

Vessel impairment charge

Administrative expenses

2021

156,732 

138,330 

1,927 

12,974 

309,963 

2020

155,643 

111,279 

333,149 

11,400 

611,471 

Vessel  operating  expenses  include  operating  and  occasional  voyage  expenses  for  the  container  vessels,  dry  bulk  carriers, 
product and Suezmax 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, two 
chemical tankers operating in the spot market since June and November 2021 and certain Handysize dry bulk carriers operating 
in the spot market until their disposal in the fourth quarter of 2021. 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.

Vessel operating expenses increased by $1.1 million in 2021, compared with 2020. The increase was driven by an increase in 
voyage expenses for the Handysize dry bulk carriers operating in the spot market which was partially offset by a decrease in 
drydocking costs as eight vessels had dry dock costs in 2021, compared to 15 in 2020.

Depreciation expenses relate to vessels owned by the Company or vessel leased-in under finance leases, that are not accounted 
for as investments in sales-type direct financing and leaseback assets. The increase in depreciation of $27.1 million for 2021, 
compared to the same period in 2020, was mainly due to the consolidation of two rigs which were previously accounted for as 
associates, the acquisition of five container vessels in the third quarter of 2021 and the acquisition of one Suezmax tanker and 
two product tankers in the fourth quarter of 2021 which started to be depreciated.

72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In 2021, an impairment charge of $1.9 million was recorded on one of our rigs (West Taurus), which was sold for recycling in 
September 2021. In 2020, impairment charges of $80.5 million were recorded against the carrying value of seven Handysize 
dry bulk vessels and one offshore support vessel, all of which have since been disposed of. The impairment charge on the dry 
bulk vessels arose in 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. In addition, in 2020 
an impairment charge of $252.6 million was recorded against the drilling unit West Taurus, which was accounted for within 
investment in associated companies until October 2020. (See Note 18: Investment in Associated Companies).

The  14%  increase  in  administrative  expenses  for  2021,  compared  with  2020,  is  mainly  due  to  increased  salary  costs  due  to 
increased headcount. Increases in professional fees and office costs also contributed to the higher administrative expenses.

Interest income

Total interest income decreased from $13.4 million in 2020 to $7.5 million in 2021, mainly due to reduced interest income on 
the loans to associates and lower interest received on bank and short term deposits. In the fourth quarter of 2020, the two wholly 
owned  subsidiaries  SFL  Deepwater  and  SFL  Linus  ceased  to  be  accounted  for  as  associated  companies  and  became 
consolidated. In addition, in August 2021, a wholly owned subsidiary owning the ultra-deepwater drilling unit West Hercules 
ceased  to  be  accounted  for  as  an  associate  and  became  consolidated  and  as  a  result  interest  income  for  this  rig  is  only 
recognized up to the consolidation date. This has been partially offset by interest income received from the loan to River Box. 
On December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party and has 
accounted  for  the  remaining  49.9%  ownership  in  River  Box  using  the  equity  method.  (Refer  to  Note  18:  Investment  in 
Associated Companies).

Interest expense

(in thousands of $)

Interest on US$ floating rate loans

Interest on NOK 500 million floating rate bonds due 2020

Interest on NOK 700 million floating rate bonds due 2023

Interest on NOK 700 million floating rate bonds due 2024

Interest on NOK 600 million floating rate bonds due 2025

Interest on 5.75% convertible bonds due 2021

Interest on 4.875% convertible bonds due 2023

Interest on 7.25% senior unsecured sustainability-linked bonds due 2026

Interest on lease debt financing 

Swap interest

Interest on finance lease obligation

Other interest

Amortization of deferred charges

2021

25,218 

— 

4,235 

4,130 

3,114 

8,004 

6,728 

6,888 

1,147 

5,239 

25,848 

267 

6,272 

97,090 

2020

28,560 

1,007 

4,409 

4,200 

2,910 

12,203 

6,979 

— 

— 

5,897 

59,551 

686 

9,040 

135,442 

73

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2021, the Company, including its consolidated subsidiaries, had total debt principal outstanding of $1.9 
billion (2020: $1.7 billion) comprising of:

(in thousands of $)

5.75% senior unsecured convertible bonds due 2021

4.875% senior unsecured convertible bonds due 2023

NOK 700 million senior unsecured floating rate bonds due 2023

NOK 700 million senior unsecured floating rate bonds due 2024

NOK 600 million senior unsecured floating rate bonds due 2025

7.25% senior unsecured sustainability-linked bonds due 2026

Lease debt financing

Borrowings secured on Frontline shares

U.S. dollar denominated floating rate debt due through 2029

2021

— 

137,900 

79,507 

78,939 

61,334 

150,000 

126,955 

15,639 

1,253,481 

1,903,755 

2020

212,230 

139,900 

81,572 

80,989 

62,927 

— 

— 

15,639 

1,070,137 

1,663,394 

Interest  expense  for  2021  was  $97.1  million  compared  with  $135.4  million  for  2020.  The  decrease  in  interest  expense 
associated  with  our  floating  rate  debt  for  2021,  compared  to  2020,  is  mainly  due  to  loans  on  vessels  that  were  refinanced  at 
lower margins and the decreased LIBOR rate in the period. The average three-month LIBOR was 0.16% in 2021 compared to 
an average of 0.85% in 2020. Changes in interest related to the bonds are due to changes in exchange rate, new bond issuances 
and repayments and redemptions. These include repurchases of the 5.75% convertible notes due 2021 and 4.875% convertible 
bonds due 2023. Also in 2021, the 5.75% convertible notes due was repaid in full. The reduction in the interest expenses from 
bonds was partially offset by interest expenses from the newly issued 7.25% senior unsecured sustainability-linked bonds due 
2026 which the Company successfully placed in May 2021 and the interest expense from the Lease debt financing of $130.0 
million obtained by the Company in September 2021, in relation to the purchase of two container vessels. In 2020, the NOK500 
million floating rate bond due 2020 was fully repaid.

As  of  December  31,  2021,  the  Company  and  its  consolidated  subsidiaries  were  party  to  interest  rate  swap  contracts,  which 
effectively fixed our interest rates on $0.7 billion of floating rate debt at a weighted average rate excluding margin of 1.93% per 
annum (2020: $0.9 billion of floating rate debt fixed at a weighted average rate excluding margin of 1.94% per annum). The 
slight  decrease  in  swap  interest  expense  is  due  to  changes  in  swaps  and  also  due  to  fluctuations  in  average  LIBOR  and 
Norwegian Interbank Offered Rate, or NIBOR rates.

Other  interest  expense  in  2021  of  $0.3  million  (2020:  $0.7  million)  arose  from  the  sale  and  subsequent  forward  contract  to 
repurchase shares which is accounted for as a secured borrowing. (See Note 21: Short-Term and Long-Term Debt).

The above finance lease interest expense represents the interest portion of our finance lease obligations on seven vessels under a 
sale and leaseback transaction with an Asia based financial institution. In 2020, the finance lease interest expense included the 
interest on finance lease obligations of these seven vessels, as well as interest on finance lease obligations of four vessels on 
long-term  time  charter  to  MSC.  On  December  31,  2020,  the  Company  sold  50.1%  of  the  shares  of  River  Box,  the  holder  of 
finance  lease  obligations  related  to  four  of  these  vessels,  and  therefore  these  obligations  are  no  longer  consolidated  by  the 
Company. The Company has accounted for the remaining 49.9% ownership in River Box using the equity method. (Refer to 
Note 18: Investment in Associated Companies). As a result, the interest expense on our finance lease obligations is decreased in 
2021, compared with 2020.

Gain on purchase of bonds and debt extinguishment

During the year ended December 31, 2021, the Company repurchased various amounts of its own bonds which had a face value 
of $69.6 million at a premium and recorded a loss of $0.7 million. In 2020, the Company repurchased various amounts of its 
own bonds which had a face value of $68.2 million at a discount and recorded gains of $1.4 million. In addition, 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.

74

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Gain on sale of subsidiaries, non-operating

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 2020 in relation to the disposal.

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

2021

— 

995 

— 

6,683 

7,678 

2020

6,030 

(22,453) 

4,446 

(25,945) 

(37,922) 

No dividend income was received during the year ended December 31, 2021. Dividends received in 2020, were $3.1 million 
from Frontline and $2.9 million from ADS Maritime Holding.

The gain on investments in debt and equity securities in 2021, principally relates to a mark to market gain of $1.2 million on the 
Frontline  shares  held  as  of  December  31,  2021,  a  realized  gain  of  $0.7  million  recognized  on  the  sale  of  approximately  4.0 
million in ADS Maritime Holding and an impairment loss of $0.8 million, which was recorded against the NT Rig Holdco 7.5% 
bonds.  The  loss  on  investments  in  debt  and  equity  securities  in  2020,  principally  relates  to  a  mark  to  market  loss  of  $22.4 
million from the equity investments held as of 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  $2.3  million  from  the  sale  of  approximately  2.0  million  Frontline  shares  and  a  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 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 in 2020.

Other  financial  items,  net  have  increased  by  $32.6  million  in  2021  compared  to  2020.  The  2021  amount  includes  a  gain  of 
$11.6 million (2020: loss of $20.4 million) in the fair value of non-designated derivatives, a net cash expense on non-designated 
derivatives of $6.7 million (2020: $9.3 million) and a net gain of $1.1 million arising from the revaluation of foreign currency 
bank  accounts,  marketable  securities,  payables  and  receivable  balances  and  other  items  (2020:  $5.5  million).  (See  Note  10: 
Other Financial Items). 

As reported above, certain assets were accounted for under the equity method in 2021 and 2020. 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

In  2021  and  2020,  we  had  certain  investments  accounted  for  using  the  equity  method,  as  discussed  in  the  Consolidated 
Financial Statements included herein (Note 18: Investment in Associated Companies). The total equity in earnings of associated 
companies  in  2021,  was  $0.1  million  lower  than  in  2020.  In  August  2021,  SFL  Hercules  ceased  to  be  accounted  for  as  an 
associate  and  became  consolidated  by  the  Company,  following  amendments  to  the  bareboat  charter  and  loan  facility 
agreements. SFL Linus and SFL Deepwater are also consolidated by the Company from October 2020. This was partially offset 
by the addition of River Box, previously a wholly owned subsidiary of the Company. On December 31, 2020, we sold 50.1% of 
the shares of River Box to a subsidiary of Hemen, a related party. During the year ended December 31, 2021, we accounted for 
the remaining 49.9% ownership in River Box using the equity method.

75

 
 
 
 
 
 
 
 
 
 
 
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 on sale of assets

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.

76

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. A 
greater proportion of rental payment is treated as repayment of investment in the lease or loan and progressively, as the capital 
is repaid, interest payments by the applicable lessee decreases.

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 
charter hire on two car carriers and seven container vessels which were off hire when they drydocked for scrubber installations 
which led to reduced charter hire in the year ended December 31, 2020. This decrease in time charter revenues was partly offset 
by  an  increase  in  charter  hire  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.

77

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 $)

Charter hire 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 on sale of assets

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 on Sale of Assets). The three VLCCs 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.

78

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 18: 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 

As of 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).

79

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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$ 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.

As  of  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 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 

2019

2,590 

(22,453)   

67,701 

4,446 

(25,945)   

(37,922)   

— 

(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 Corporation Ltd. (“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.

80

 
 
 
 
 
 
 
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 as of 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 18: 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.

B. LIQUIDITY AND CAPITAL RESOURCES

We operate in a capital intensive industry. Our asset acquisitions are financed through a combination of our own equity, 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 as of December 31, 2021, 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. 

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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.

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  of 
December 31, 2021:

4.875% senior unsecured convertible bonds due 2023

NOK700 million senior unsecured floating rate bonds due 2023

NOK700 million senior unsecured floating rate bonds due 2024

NOK600 million senior unsecured floating rate bonds due 2025

7.25% senior unsecured sustainability-linked bonds due 2026

$45 million secured term loan and revolving credit facility due 2025

$20 million secured term loan facility due 2024

$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

$17.5 million secured term loan facility due 2023

$24.9 million secured term loan facility due 2024

$50 million senior secured term loan facility due 2022

$29.5 million secured term loan facility due 2024

$33.1 million term loan facility due 2023

$40 million senior secured term loan facility due 2022

$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

$51 million secured term loan facility due 2025

$51 million secured term loan facility due 2025

$134 million secured term loan facility due 2024

$65 million leased debt financing due 2027

$65 million leased debt financing due 2027

$35 million secured term loan facility due 2029

$107.3 million senior secured term loan facility due 2027

$475 million term loan and revolving credit facility due 2023

$375 million term loan and revolving credit facility due 2023

Borrowings secured on Frontline shares

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  of  December  31,  2021,  excluding  three  1,700  TEU  container  vessels,  two 
chemical tankers and two product tankers.

Refer to "Contractual Commitments" section further below for details of material contractual commitments as of December 31, 
2021.

As of December 31, 2021, seven (2020: seven) subsidiaries had lease liabilities totaling $524.2 million (2020: $573.1 million) 
related to the charter-in of seven (2020: seven) container vessels.

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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, 2021, we had cash and cash equivalents of $145.6 million (2020: $215.4 million) and restricted cash of 
$8.3  million  (2020:  $9.0  million).  In  the  year  ended  December  31,  2021,  we  generated  cash  of  $293.6  million  net  from 
operating activities, used $389.1 million net in investing activities and generated $25.0 million net from financing activities.

Cash flows provided by operating activities for 2021 increased to $293.6 million, from $276.5 million in 2020, mainly due to 
changes in total operating income received and the timing of charter hire and trade and other receivables.

Investing  activities  used  cash  of  $389.1  million  in  2021,  compared  to  net  cash  generated  of  $176.3  million  in  2020.  The 
increase in cash used for investing activities in 2021 is mainly due to an outflow of $520.3 million to fund capital improvements 
and the acquisition of one 5,300 TEU container vessel (Maersk Zambezi), two 6,800 TEU container vessels (SFL Hawaii and 
SFL Maui), two 14,000 TEU container vessels (Thalassa Elpida and Thalassa Patris), two product tankers (SFL Tiger and SFL 
Puma)  and  one  Suezmax  tanker  (Marlin  Santorini),  compared  to  an  outflow  of  $55.0  million  in  2020  to  fund  capital 
improvements and a further $65.0 million to fund the acquisition of one leaseback asset. In addition there was an outflow of 
$61.4 million for installments in newbuilding contracts in 2021 with no such installments paid in 2020. This is partially offset 
by an inflow of cash of $183.9 million in 2021 from the sale of 18 feeder container vessels, seven handysize dry bulk vessels 
and one drilling rig compared to $210.9 million in 2020 arising from the sale of four VLCCs and five offshore support vessels. 
In addition in 2021, $10.0 million was received from associated companies compared with $31.5 million received in 2020 due 
to  repayment  of  debt.  In  2020  we  had  received  $23.7  million  from  proceeds  in  the  sale  of  Frontline  and  Solstad  shares  and 
$14.7 million from proceeds in the sale of 50.1% of the shares of River Box, a previously wholly owned subsidiary, with no 
such proceeds received in 2021.

Net cash provided by financing activities for 2021 was $25.0 million, compared to net cash used of $431.4 million in 2020. 
This increase was mainly due to lower repayment of debt of $301.5 million in 2021, compared to $624.6 million in 2020. There 
were also more proceeds from debt issuance of $586.8 million in 2021, compared to $397.2 million in 2020. The above were 
partly offset by higher repurchases of own bonds amounting to $215.1 million in 2021 compared to $66.6 million in 2020. In 
addition no cash was used in 2021 in principal settlements of cross currency swaps compared to $11.7 million in 2020. There 
was also a share issuance of $89.3 million in 2021 compared to $61.5 million in 2020.

During 2021, we paid four dividends totaling $0.63 per common share (2020: four dividends totaling $1.00 per common share), 
or a total of $77.6 million (2020: $109.4 million). All dividends paid in 2021 and 2020 were cash payments. Please see “Item 8. 
Financial Information—A. Consolidated Statement and Other Financial Information—Dividend Policy”. Since 2020, SFL has 
implemented a dividend reinvestment plan, or DRIP, to facilitate investments by individual and institutional shareholders who 
wish to invest the dividend payments received in respect of our common shares owned or other cash amounts, in the Company's 
common shares on a regular basis, one time basis or otherwise. See Item 10.B and the share capital note for further information 
on the DRIP program.

Borrowings

As of December 31, 2021, we had total short-term and long-term debt outstanding of $1.9 billion (2020: $1.7 billion). 

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The following table presents an overall summary of our borrowings as of December 31, 2021:

(in millions of $)

Unsecured borrowings:

NOK700 million senior unsecured floating rate bonds due 2023

4.875% senior unsecured convertible bonds due 2023

NOK700 million senior unsecured floating rate bonds due 2024

NOK600 million senior unsecured floating rate bonds due 2025

7.25% senior unsecured sustainability-linked bonds due 2026

Total bonds

Borrowings secured on Frontline shares

U.S. dollar denominated floating rate debt due through 2029

Lease debt financing

Total borrowings

Finance lease liabilities

Finance lease liabilities in associated companies (1)

Total borrowings and lease liabilities

December 31, 2021

Outstanding balance on loan

79.5 

137.9 

78.9 

61.3 

150.0 

507.6 

15.6 

1,253.5 

127.0 

1,903.7 

524.2 

221.3 

2,649.2 

(1) This represents 49.9% of the finance lease liabilities 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 remaining seven vessels, which 
were Handysize dry bulk carriers, were sold during the year ended December 31, 2021 and the facility was fully repaid. The 
facility  bore  interest  at  LIBOR  plus  a  margin  and  had  a  term  of  approximately  10  years  from  delivery  of  each  vessel.  The 
facility was 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.  As  of  December  31, 
2021, the amount outstanding under this facility was $42.5 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 
and further more in June 2021, the terms of the loan were amended and restated, and the facility now matures in June 2025. 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.  As  of  December  31,  2021,  the  amount 
outstanding  under  this  facility  was  $15.6  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.

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. As of December 31, 2021, the amount 
outstanding  under  this  facility  was  $19.4  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.

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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. As of December 31, 2021, the amount 
outstanding  under  this  facility  was  $76.3  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.  In  February  and  April  2021  the  portions  of  the  facility  relating  to  the  remaining  two  subsidiaries 
matured and the facility was repaid in full. The facility bore interest at LIBOR plus a margin and had a term of five years from 
the delivery of each vessel. The facility was secured against the subsidiaries' assets and a limited guarantee from us. The facility 
contained a minimum value covenant, which was only applicable if there was a default under any of the charters attached to the 
vessels, or six months prior to expiry of the charters, whichever fell earlier. The facility also contained covenants that required 
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. During 2018 and 2021, we made net purchases of 
bonds with principal amounts totaling $12.8 million and $67.6 million respectively. The bonds matured on October 15, 2021 
and we redeemed the full outstanding amount of $144.7 million. Interest on the bonds was fixed at 5.75% per annum and was 
payable in cash quarterly in arrears on January 15, April 15, July 15 and October 15. 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  was  adjusted  for  dividends  in  excess  of  $0.225  per  common  share  per  quarter.  Since  the  issuance,  dividend 
distributions had increased the conversion rate to 65.8012 common shares per $1,000 bond, equivalent to a conversion price of 
approximately $15.20 per share at maturity of the bond. In conjunction with the bond issue, we had 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 December 2021, after the bond was redeemed, the 
loaned shares were transferred to another party under a general share lending agreement.

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.  As  of 
December 31, 2021, the net amount outstanding was $53.9 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, 2019, 2020 and 2021, we made net purchases of bonds with 
principal amounts totaling $12.3 million $3.4 million, $8.4 million and $2.0 million respectively. As of December 31, 2021, the 
amount outstanding under this facility was $137.9 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  77.5267,  equivalent  to  a  conversion  price  of  approximately  $12.90  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 of December 31, 2021, a total of 3,765,842 shares were issued from up 
to 7,000,000 shares issuable under a share lending arrangement.

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 had provided a 
corporate guarantee for this facility, which bore interest at LIBOR plus a margin and with a term of approximately seven years. 
During the year ended December 31, 2021, purchase options were exercised on the 15 feeder size container vessels. The vessels 
were delivered between August and September 2021, and the facility was fully repaid. 

85

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 as of December 31, 
2021, was NOK700 million, equivalent to $79.5 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. As of December 31, 2021, the amount 
outstanding  under  this  facility  was  $11.1  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. As of December 31, 2021, the 
amount outstanding under this facility was $17.7 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. As of December 31, 2021, 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. As of December 31, 2021, the net amount outstanding under this facility 
was $19.0 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 as of December 31, 2021 was 
NOK695  million,  equivalent  to  $78.9  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 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. As of December 31, 2021, the amount outstanding under 
this facility was $25.3 million. The facility bears interest at LIBOR plus a margin and has a term of approximately four years. 

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  as  of  December  31, 
2021  was  NOK540  million,  equivalent  to  $61.3  million.  The  bond  agreement  contains  covenants  that  require  us  to  maintain 
certain minimum levels of free cash, working capital and adjusted book equity ratios.

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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 as of December 31, 2021, was $32.9 
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 had provided a corporate guarantee for this facility, which bore interest at LIBOR 
plus a margin and with a term of approximately five years. During the year ended December 31, 2021, purchase options were 
exercised on the three container vessels. The vessels were delivered in August 2021, and the facility was fully repaid. 

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 as of December 31, 
2021, was $146.6 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 as of December 31, 2021, was $45.8 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 as of December 31, 2021, was 
$45.0  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  February  2021,  one  of  our  wholly-owned  subsidiaries  entered  into  a  $51  million  term  loan  facility  with  a  bank,  secured 
against a container vessel. We have provided a limited 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 as of December 31, 2021, was $47.7 million. 
The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of free cash, 
working capital and debt ratios.

In April 2021, one of our wholly-owned subsidiaries entered into a $51 million 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 
with a term of approximately four years. The net amount outstanding as of December 31, 2021, was $48.8 million. The facility 
contains a minimum value covenant and covenants that require us to maintain certain minimum levels of free cash, working 
capital and debt ratios.

In May 2021, we issued a senior unsecured sustainability-linked bond totaling $150 million in the Nordic credit market. The 
bonds bear quarterly interest at a fixed rate of 7.25% per annum and are redeemable in full on May 12, 2026. The net amount 
outstanding as of December 31, 2021 was $150.0 million.

In September 2021, two of our wholly-owned subsidiaries entered into a $134 million term loan facility with a bank, secured 
against two container vessels. We have provided a limited corporate guarantee for this facility, which bears interest at LIBOR 
plus a margin and with a term of approximately three years. The net amount outstanding as of December 31, 2021, was $130.4 
million. The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of 
free cash, working capital and debt ratios.

In September 2021, two of our wholly owned subsidiaries owning the two newly acquired 6,800 TEU container vessels entered 
into sale and leaseback transactions for these vessels, via a Japanese Operating Lease with Call Option financing structure. The 
sales price for each vessel was $65.0 million, totaling $130.0 million. The vessels were leased back for a term of six years, with 
options  to  purchase  each  vessel  at  the  end  of  the  fifth  and  sixth  year.  The  transaction  did  not  qualify  as  a  sale  and  has  been 
recorded as a financing arrangement. The net amount outstanding as of December 31, 2021 was $127.0 million. The lease debt 
financing carries interest at a fixed rate of 2.5% per annum.

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In December 2021, one of our wholly-owned subsidiaries entered into a $35.0 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 seven years. The net amount outstanding as of December 31, 2021, was 
$35.0  million.  The  facility  contains  a  minimum  value  covenant  and  covenants  that  require  us  to  maintain  certain  minimum 
levels of free cash, working capital and debt ratios.

In December 2021, three of our wholly-owned subsidiaries entered into a $107.3 million senior secured term loan facility with a 
bank, secured against three Suezmax tankers. As of December 31, 2021, only one of the three vessels was delivered and only 
one third of the loan has been drawn. 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 as of December 31, 2021, was $35.8 
million. The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of 
free cash, working capital and debt ratios.

SFL  Linus  was  consolidated  from  October  29,  2020.  (See  Note  18:  Investment  in  Associated  Companies).  In  October  2013, 
SFL  Linus  entered  into  a  $475  million  five-year  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 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. As of December 31, 2021, the balance outstanding under this facility was $199.9 million and the 
available  amount  under  the  revolving  part  of  the  facility  was  $0.0  million.  We  have  fully  guaranteed  the  facility  as  of 
December 31, 2021.

SFL Hercules was consolidated from August 27, 2021. (See Note 18: Investment in Associated Companies). In May 2013, SFL 
Hercules entered into a $375 million six-year term loan and revolving credit facility with a syndicate of banks to partly finance 
the  acquisition  of  the  harsh  environment  semi-submersible  rig  West  Hercules,  previously  owned  by  the  wholly  owned 
subsidiary SFL Deepwater. The facility was drawn in June 2013. In connection with the 2017 Restructuring Plan of Seadrill, 
certain amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four 
years.  In  August  2021,  we  entered  into  an  amendment  to  the  existing  charter  agreement  (the  “amendment  agreement”)  with 
subsidiaries of Seadrill for West Hercules, which was approved by the applicable bankruptcy court in September 2021. Each of 
our financing banks consented to the amendment agreement, and our limited corporate guarantee of the outstanding debt of the 
rig  owning  subsidiary  remains  unchanged  at  $83.1  million  as  of  December  31,  2021.  Additionally,  we  agreed  to  a  cash 
contribution of $5 million to the SFL Hercules's pledged earnings account at the time of redelivery following the termination of 
the Seadrill charter, in addition to a $3 million payable by Seadrill. As of December 31, 2021, the balance outstanding under 
this facility was $169.6 million.

As of December 31, 2021, the three-month U.S. dollar LIBOR was 0.21% and the three-month Norwegian kroner NIBOR was 
0.95%.

Loan Covenants

Certain of our financing agreements discussed above, have, among other things, the following financial covenants, as amended 
or waived, which are tested quarterly, the most stringent of which require us (on a consolidated basis) to maintain:

a book equity ratio of minimum 0.20 to 1.0;
a positive working capital; and

•
•
• minimum liquidity of at least $25 million, including undrawn credit lines with a remaining term of at least six months.

Our financing agreements discussed above have, among other things, restrictive covenants which, to the extent triggered, would 
restrict our ability to:

i.

declare, make or pay any dividend, charge, fee or other distribution (whether in cash or in kind) on or in respect of its 
share capital (or any class of its share capital);

ii. pay any interest or repay any principal amount (or capitalized interest) on any debt to any of its shareholders;
iii.
iv. enter into any transaction or arrangement having a similar effect as described in (i) through (iii) above.

redeem, repurchase or repay any of its share capital or resolve to do so; or

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Our secured credit facilities may be secured by, among other things: 

•
•
•
•

a first priority mortgage over the relevant collateralized vessels;
a first priority assignment of earnings, insurances and charters from the mortgaged vessels for the specific facility;
a pledge of earnings generated by the mortgaged vessels for the specific facility; and
a pledge of the equity interests of each vessel owning subsidiary under the specific facility.

A violation of any of the financial covenants contained in our financing agreements described above may constitute an event of 
default  under  the  relevant  financing  agreement,  which,  unless  cured  within  the  grace  period  set  forth  under  the  financing 
agreement, if applicable, or waived or modified by our lenders, provides our lenders, by notice to the borrowers, with the right 
to, among other things, cancel the commitments immediately, declare that all or part of the loan, together with accrued interest, 
and all other amounts accrued or outstanding under the agreement, be immediately due and payable, enforce any or all security 
under the security documents, and/or exercise any or all of the rights, remedies, powers or discretions granted to the facility 
agent or finance parties under the finance documents or by any applicable law or regulation or otherwise as a consequence of 
such event of default.

Furthermore, certain of our financing agreements contain a cross-default provision that may be triggered by a default under one 
of  our  other  financing  agreements.  A  cross-default  provision  means  that  a  default  on  one  loan  would  result  in  a  default  on 
certain of our other loans. Because of the presence of cross-default provisions in certain of our financing agreements, the refusal 
of any one lender under our financing agreements to grant or extend a waiver could result in certain of our indebtedness being 
accelerated,  even  if  our  other  lenders  under  our  financing  agreements  have  waived  covenant  defaults  under  the  respective 
agreements.  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 financing agreements 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 financing agreements 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 
financing  agreements.  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.  In  addition,  our  lenders  may 
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.

Minimum Value Covenants

Most  of  our  loan  facilities  are  secured  with  mortgages  on  vessels.  As  of  December  31,  2021,  we  had  borrowings  totaling 
$0.8  billion  with  minimum  value  covenants  which  are  tested  on  a  regular  basis.  These  borrowings  were  secured  against  39 
vessels which had combined charter-free market values totaling approximately $2.4 billion. A reduction of 10% in charter-free 
market values in 2021 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,  as  of  December  31,  2021,  we  had  borrowings  totaling  $0.1  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 five vessels which had combined charter-free market values totaling approximately $0.3 billion. 

As of December 31, 2021, we were in compliance with all of the financial covenants contained in our financing agreements.

Secured Borrowings

As of 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 as of 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.

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As of December 31, 2020, we had a forward contract, with an initial expiration date in January 2021, to repurchase 1.4 million 
shares  of  Frontline  at  a  repurchase  price  of  $16.2  million  including  deemed  interest.  During  2021,  we  have  continuously 
renewed  the  forward  contract  and  as  of  December  31,  2021,  we  had  a  forward  contract,  which  expired  in  January  2022,  to 
repurchase  1.4  million  shares  of  Frontline,  at  a  repurchase  price  of  $16.4  million  including  accrued  interest.  This  forward 
contract  related  to  1.4  million  shares  has  subsequently  been  rolled  over  to  July  2022,  at  a  repurchase  price  of  $16.6  million 
including  deemed  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  as  of  December  31,  2021 
(December 31, 2020: $15.6 million). 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 of December 31, 2021, $8.3 million 
(December 31, 2020: $9.0 million) was held as collateral and recorded as restricted cash. 

Debt in Associated Companies

SFL  Hercules  and  SFL  Linus  own  the  drilling  units  West  Hercules  and  West  Linus,  respectively,  which  are  on  charter  to 
subsidiaries  of  Seadrill.  SFL  Deepwater  owned  the  drilling  unit  West  Taurus,  which  was  also  on  charter  to  a  subsidiary  of 
Seadrill until the first quarter of 2021. All three entities were previously determined to be variable interest entities in which we 
were not the primary beneficiary and thus accounted for using the equity method. During the year ended December 31, 2021 
and  following  amendments  to  the  West  Hercules  bareboat  charter  and  loan  facility  agreements,  SFL  Hercules  Ltd.  was 
determined to no longer be a variable interest entity and was consolidated from August 27, 2021 when the amendments were 
approved by the applicable bankruptcy court. With regards to SFL Linus and SFL Deepwater, we were determined to be the 
primary beneficiary of the two subsidiaries in October 2020, following changes to their financing agreements and as a result of 
defaults by Seadrill. Therefore, we consolidated these two subsidiaries from October 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 our drilling rigs, West 
Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 11 process 
was ongoing. Pursuant to these agreements, Seadrill is allowed to use funds received from the respective sub-charterers to pay a 
fixed level of operating and maintenance expenses in addition to general and administrative costs. In exchange, SFL receives 
approximately 65 - 75% of the contractual charter hire under the existing charter agreements for West Linus and West Hercules. 
Any  excess  amounts  paid  pursuant  to  the  above  referenced  sub-charters  will  remain  in  Seadrill's  earnings  accounts,  that  are 
pledged to SFL and its financing banks.

In August 2021, the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) with 
subsidiaries of Seadrill for the harsh environment semi-submersible rig West Hercules. Under the amendment agreement with 
Seadrill, the West Hercules is contracted to be employed with an oil major into the second half of 2022 (the “charter period”), 
prior to being redelivered to SFL in Norway. Pursuant to the amendment agreement, SFL has agreed to receive bareboat hire of 
(i)  approximately  $64,700  per  day  until  Seadrill  emerges  from  Chapter  11  and  its  plan  of  reorganization  (the  "Plan")  is 
confirmed by the court (the “Emergence Date”), and (ii) following the Emergence Date, approximately $60,000 per day while 
the  rig  is  employed  under  a  contract  and  generating  revenues  for  Seadrill  and  approximately  $40,000  in  all  other  scenarios, 
including when the rig is idle or undergoing mobilization or demobilization. Pursuant to the amendment agreement, Seadrill has 
agreed  to  fund  the  mobilization  and  demobilization  of  the  rig,  which  is  expected  to  occur  during  the  charter  period.  Seadrill 
obtained bankruptcy court approval of the amendment agreement on August 27, 2021, which was a condition precedent to the 
effectiveness to the amendment agreement. Each of SFL’s financing banks consented to the amendment agreement, and SFL’s 
limited  corporate  guarantee  of  the  outstanding  debt  of  the  rig  owning  subsidiary  remains  unchanged  at  $83  million. 
Additionally, SFL agreed to a cash contribution of $5 million to the SFL Hercules's pledged Earnings Account at the time of 
redelivery following the termination of the Seadrill charter, in addition to a $3 million payable by Seadrill.

Following these amendments, SFL Hercules is in compliance with its debt covenants.

The lease to West Taurus, was rejected by the court in March 2021 and the rig was redelivered by Seadrill to SFL in the second 
quarter of 2021. In March 2021, we signed an agreement for the recycling of the rig at a facility in Turkey and delivered to the 
recycling  facility  in  September  2021.  The  asset  was  derecognized  at  disposal  and  a  net  loss  of  $0.6  million  was  recorded  in 
relation to the recycling of the rig.

On October 26, 2021, Seadrill announced that the Plan was confirmed by the U.S. Bankruptcy Court for the Southern District of 
Texas.  On  February  22,  2022,  Seadrill  announced  that  it  has  emerged  from  Chapter  11  after  successfully  completing  its 
reorganization.

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In February 2022, we agreed to make changes to the chartering and management structure of the harsh environment jack-up 
drilling rig West Linus. The rig was delivered in 2014, and is currently operated by a subsidiary of Seadrill and employed on a 
long-term drilling contract with ConocoPhillips in the North Sea until the fourth quarter of 2028.

Seadrill,  ConocoPhillips  and  us  reached  an  agreement  in  which  the  drilling  contract  with  ConocoPhillips  is  expected  to  be 
assigned from the current operator to one of our subsidiaries upon the new operator receiving necessary regulatory approvals. 
Upon  effective  assignment  of  the  drilling  contract,  SFL  will  receive  charter  hire  from  the  rig  and  pay  for  operating  and 
management expenses. 

SFL  has  simultaneously  entered  into  an  agreement  for  the  operational  management  of  the  rig  with  a  subsidiary  of  Odfjell,  a 
leading harsh environment drilling rig operator. The change of operational management from Seadrill to Odfjell is subject to 
customary regulatory approvals relating to operations on the Norwegian Continental Shelf.

Until the approvals are in place, Seadrill will continue the existing charter arrangements for a period of up to approximately 
nine months. The bareboat charter rate from Seadrill in this transition period will be approximately $55,000 per day.

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 Note 18: Investment in Associated Companies).

Finance Lease Liabilities

In  2018,  we  acquired  four  14,000  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. As of December 31, 2021 the outstanding finance 
lease liability balance for these leases was $524.2 million.

Derivatives

We use financial instruments to reduce the risk associated with fluctuations in interest rates. As of December 31, 2021, we and 
our consolidated subsidiaries had entered into interest rate swap contracts with a combined notional principal amount of $0.7 
billion whereby variable LIBOR interest rates excluding additional margins are swapped for fixed interest rates between 0.28% 
per annum and 3.09% 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),  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 $0.7 billion of our floating rate debt, as 
of December 31, 2021, at a weighted average interest rate of 2.68% 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.

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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 2021 (2020: $1.0 million).

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 21 Short-Term and Long-Term Debt). During 
the year ended December 31, 2021, we purchased bonds with principal amounts totaling $2.0 million (2020: $8.4 million). The 
equity  component  of  these  extinguished  bonds  was  valued  at  $0.1  million  (2020:  $0.3  million)  and  has  been  deducted  from 
"Additional paid-in capital".

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, ("DRIP") to facilitate investments by individual and institutional shareholders who wish to invest 
dividend payments received on shares owned or other cash amounts, in our 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 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 ATM.

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, 2021, we issued and sold 10.7 million (2020: 8.4 million) shares under these DRIP and 
ATM arrangements and total proceeds of $89.4 million net of costs were received (2020: $61.5 million), resulting in a premium 
on issue of $89.3 million (2020: $61.4 million).

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  our  employees, 
officers and directors or our 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 24: Share Option Plan).

In the year ended December 31, 2021, 129,000 options were exercised, and we made a cash payment of $0.1 million in lieu of 
issuing shares under the Option Scheme. 

In May 2021, we awarded a total of 480,000 options to officers, employees and directors, pursuant to the Option Scheme. The 
options have a five-year term and a three-year vesting period and the first options will be exercisable from May 2022 onwards. 
The initial strike price was $8.79 per share. 

In February 2022, the Company awarded a total of 435,000 options to officers, employees and directors, pursuant to the Option 
Scheme.  The  options  have  a  five-year  term  and  a  three-year  vesting  period  and  the  first  options  will  be  exercisable  from 
February 2023 onwards. The initial strike price was $8.73 per share. 

No new shares were issued following the exercise of share options in the year ended December 31, 2021. In 2020, we issued 
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). The weighted average exercise price of the options exercised in 2020 was $8.63 per share. 

During 2021, we paid four dividends totaling $0.63 per common share (2020: four dividends totaling $1.00 per common share), 
or  a  total  of  $77.6  million  (2020:  $109.4  million).  All  dividends  paid  in  2021  and  2020  were  cash  payments  paid  from 
contributed surplus. 

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On February 16, 2022, the Board of Directors of the Company declared a dividend of $0.20 per share which will be paid in cash 
on or around March 29, 2022.

Following the above transactions, as of December 31, 2021, our issued and fully paid share capital balance was $1.4 million, 
our additional paid-in capital was $621.0 million and our contributed surplus balance was $461.8 million.

Contractual Commitments

As of December 31, 2021, we had the following contractual obligations and commitments:

Less than
1 year

Payment due by period
1–3
years

3–5
years

After
5 years

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

7.25% senior unsecured sustainability-linked bonds due 2026

Borrowings secured on Frontline shares

Floating rate long-term debt

Lease debt financing (2)
Total debt repayments

Total interest payments (1)

Interest on lease debt financing (2)

Finance lease obligations

Finance lease obligations in associated companies (3)

Interest on finance lease liabilities

Interest on finance lease liabilities in associated companies (3)

Scrubbers and BWTS installation commitments (4)
Total vessel purchases (5)
Commitments under shipbuilding contracts (6)

(in millions of $)

— 

— 

— 

— 

— 

15.6 

273.4 

13.8 
302.8 

88.8 

6.0 

51.2 

12.2 

23.5 

14.2 

2.7 
190.0 
44.4 

79.5 

137.9 

78.9 

— 

— 

— 

697.8 

29.0 
  1,023.1 

102.3 

9.9 

473.0 

25.9 

35.6 

26.0 

— 
— 
209.8 

— 

— 

— 

61.3 

150.0 

— 

232.3 

31.3 
474.9 

33.2 

6.9 

— 

29.5 

— 

22.4 

— 
— 
— 

Total

79.5 

137.9 

78.9 

61.3 

150.0 

15.6 

— 

— 

— 

— 

— 

— 

50.0 

  1,253.5 

52.9 
102.9 

127.0 
  1,903.7 

1.0 

1.3 

— 

153.7 

— 

39.4 

— 
— 
— 

225.3 

24.1 

524.2 

221.3 

59.1 

102.0 

2.7 
190.0 
254.2 

Total contractual cash obligations

735.8 

  1,905.6 

566.9 

298.3 

  3,506.6 

(1) Interest  payments  are  based  on  the  existing  borrowings  of  the  consolidated  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 2.42%, 
the five year NOK swap of 1.51% and the exchange rate of NOK8.76 = $1 as of March 21, 2022, plus agreed margins. 
Interest on fixed rate loans is calculated using the contracted interest rates.

(2) The  Company  entered  into  a  sale  and  leaseback  transaction  via  a  Japanese  Operating  Lease  with  Call  Option  financing 
structure for $130.0 million for the financing of two 6,800 TEU container vessels acquired in the year ended December 31, 
2021. The vessels were sold and leased back for a term of six years, with options to purchase each vessel at the end of the 
fifth and sixth year. The transaction did not qualify as a sale and has been recorded as a financing arrangement. The lease 
debt financing carries interest at a fixed rate of 2.5% per annum.

(3) This represents 49.9% of the finance lease liabilities and interest on finance lease liabilities within River Box in relation to 

four container vessels on charter to MSC. 

(4) As of December 31, 2021, we had commitments to pay approximately $2.7 million towards the installation of BWTS on 
five  vessels  from  our  fleet  (2020:  $7.0  million  on  16  vessels),  with  installations  expected  to  take  place  up  to  the  end  of 
2023. As of December 31, 2021, we had no capital commitments towards the procurement of scrubbers on vessels owned 
by us (2020: $5.8 million committed on two oil tankers and seven container vessels).

93

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(5) As of December 31, 2021, we committed to acquire two Suezmax tankers and two Aframax LR2 product tankers for a total 
purchase  price  of  $190.0  million.  The  four  vessels  were  delivered  in  January  and  February  2022.  (Refer  to  Note  30: 
Subsequent Events). Upon delivery the vessels each immediately commenced a five year time charter to Trafigura. 

(6) As of December 31, 2021, we also had commitments under shipbuilding contracts to construct four newbuilding dual-fuel 
7,000  CEU  car  carriers  designed  to  use  liquefied  natural  gas  ("LNG"),  totaling  to  $254.2  million  (2020:  $0.0  million). 
Delivery of the vessels is expected to take place in 2023 and 2024.

There were no other material contractual commitments as of December 31, 2021.

Our  contractual  obligations  and  commitments  shown  above  relate  to  servicing  our  debt,  funding  the  equity  portion  of 
investments in vessels and funding our working capital requirements. 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.

Our short-term contractual obligations and commitments relate to servicing our debt and funding working capital requirements. 
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. 

Our long-term liquidity requirements include funding the equity portion of investments in new vessels and repayment of long-
term debt balances. We expect that we will require additional borrowings or issuances of equity in the long term to meet our 
capital requirements.

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

Vessel  prices  have  fluctuated  significantly  over  the  past  decade.  In  2021  a  significant  number  of  newbuilding  orders  were 
placed, in contrast to the limited orders during 2020, which had been significantly impacted by the COVID-19 pandemic. In 
2021, a total of 1,671 ships of 119.8 million dwt were reported contracted, a 77% year on year increase in terms of dwt. The 
increase  in  newbuilding  orders  is  the  result  of  strengthening  market  conditions,  particularly  in  the  container  sector  and  the 
impact of the fuel transition.

The tanker market remained subdued throughout 2021, in some of the most challenging market conditions seen over the last 30 
years. Global seaborne crude trade is estimated to have declined by 1.4% year on year to 36.8 million bpd in 2021, below the 
2019 level. Since the historic highs it experienced in March and April of 2020 as a result of COVID-19 impacts, the freight 
market  has  generally  subsided  and  remained  at  depressed  levels  throughout  2021.  Average  earnings  during  2021  were  much 
lower than average earnings in 2020. Average earnings during December for the VLCC, Suezmax and Aframax sectors were 
approximately  $3,800  ($11,800  for  scrubber  fitted),  $10,700  ($14,800  for  scrubber  fitted)  and  $12,700  per  day  ($16,300  for 
scrubber  fitted),  respectively.  In  2021  crude  tanker  demand  declined  by  approximately  2.7%  and  the  crude  fleet  grew  by 
approximately 3.3%. Product tanker demand increased by approximately 8.3% while the product tanker fleet grew by 2.9%.

Overall,  all  tanker  sectors  experienced  significant  volatility  in  2021.  Global  oil  supply  is  estimated  to  have  grown  by  1.4%, 
while  global  oil  demand  is  estimated  to  have  risen  to  99  million  bpd  in  the  fourth  quarter  of  2021.  As  of  now,  the  fleet  of 
trading crude tankers is expected to grow by 3.9% during 2022, while crude tanker demand is expected to grow by 7.2% in the 
same period. Product tanker demand is expected to grow by 7.2% with the product tanker fleet only expected to increase by 
1.3% during 2022, providing support for the tanker sector in 2022. 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  lower  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. Also, the recent conflict between Russia and Ukraine continues to cause disruption across the oil and 
tanker markets, with increasing energy prices and higher fuel costs observed in the first quarter of 2022. 

94

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 and two chemical tankers currently employed in the spot market, which 
will benefit directly from any strengthening in spot charter rates.

During 2021 the dry bulk fleet is expected to have seen a 3.8% increase in total dwt. This compares to a demand growth of 
4.2% in terms of tonne miles, following a year with good earnings. Looking ahead, industry sources are estimating that dry bulk 
global  trade  will  expand  by  2.2%  during  2022,  in  terms  of  tonne-miles.  This  amounts  to  an  approximate  total  of  5.5  billion 
tonnes for the full year. The total dry bulk trade increased by an estimated 3.8% during 2021. Industry sources indicate that the 
3.8% increase in seaborne dry bulk trade (in tonnes) during 2021 came as a result of rebounding trade following the COVID-19 
outbreak  in  2020.  The  dry  bulk  fleet  is  expected  to  increase  by  an  estimated  2.0%  in  2022.  With  the  dry  bulk  newbuilding 
orderbook  standing  at  7%  of  the  total  fleet  in  terms  of  capacity  and  trade  expected  to  continue  its  rebound  with  increasing 
tonne-miles during 2022, the market could see some positive signs, however with continued uncertainty.

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 five 57,000 dwt dry bulk vessels currently employed in the spot market, which will benefit directly from 
any strengthening in spot charter rates.

The containership charter market experienced significant market rebound during 2021. After severe negative impacts resulting 
from the outbreak of the COVID-19 pandemic during 2020, volumes recovered quickly in connection with significant logistical 
disruptions  during  the  second  half  of  2020,  a  trend  that  has  continued  throughout  2021.  The  extraordinary  market  recovery 
resulted  in  box  ship  charter  rates  reaching  unprecedented  levels  and  periods  never  seen  before.  During  the  end  of  2021  the 
Shanghai  Containerized  Freight  Index  ("SCFI")  surpassed  5,000  points,  up  from  approximately  2,800  points  at  the  start  of 
2021. The global seaborne container trade is estimated to have increased by 6.1% during 2021 to 206m TEU, up from a decline 
of 1.3% in 2020. Fleet capacity picked up in 2021, standing at 4.5% compared to the 2.9% growth seen in 2020. Demolition 
activity in the container segment was very limited due to very profitable freight and charter markets during the year with 16 
vessels of approximately 12,000 TEU combined being sold for recycling in 2021, compared with 80 vessels of approximately 
180,000 TEU during 2020.

Trade  growth  in  2022  is  projected  to  accelerate,  with  an  estimated  3.8%  TEU  growth,  or  3.5%  TEU-miles.  In  2021,  trade 
between the Far East and Europe expanded by an estimated 9% compared to 2020 (TEU). On the peak leg, transpacific trade is 
expected to have increased by 19% in 2021 compared to 2020. The positive near-term view and growth expected during 2022 is 
expected to remain positive with improving macroeconomic trends.

The reduction in the price of oil seen during 2014 has reduced demand for offshore drilling units, and day rates and utilizations 
have declined considerably, 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  being 
significantly  below  levels  seen  during  2014.  With  the  number  of  rigs  available  shrinking  due  to  retiring  of  assets,  fleet 
utilization  level  has  seen  an  upward  trend  during  2021,  with  global  rig  utilization  increasing  by  approximately  3%  from  Q3 
2020 to Q3 2021. Global consumption of liquid fuels is estimated to have averaged approximately 99 million barrels per day in 
October  2021,  an  increase  from  the  91  million  barrels  per  day  in  2020.  The  medium  and  long  term  oil  price  development 
remains  uncertain,  with  continued  uncertainty  around  the  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.

95

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. Please also see Item 5.A. Operating 
Results—Market Overview for additional information with respect to trends observed in the applicable markets, including the 
disclaimers therein. 

E. CRITICAL ACCOUNTING 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. For a detailed 
discussion of the accounting policies we apply that are considered to involve a higher degree of judgment in their application 
refer to Critical Accounting Policies and Estimates showing under Item 5.A. Operating Results.

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

Kathrine Astrup Fredriksen
Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Aksel C. Olesen

Age Position
58 Director of the Company and Chairperson of the Audit Committee
38 Director of the Company

56 Director of the Company

47 Director of the Company

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

45 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, an Associate Member of the Chartered Insurance Institute of the 
UK and a Chartered Director. Mr. O'Shaughnessy also serves as a director of Frontline, Golden Ocean, Archer Limited, Avance 
Gas, ST Energy Transition I Ltd., CG Insurance Group and Catalina General. 

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,  Axactor  SE  since  April  2020  and  Avance  Gas  since  May  2021.  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.

96

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  and  gas 
industry, among which he is a board member of Workships group B.V (2006), Combifloat B.V (2013) and Kerrco Inc (2017). 
He has been Chairman of the board of Oceanteam ASA since 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.

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 Master of Law degree from the University of Bergen.

B. COMPENSATION

During the year ended December 31, 2021, we paid to our directors and officers aggregate cash compensation of $1.6 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 2021 we 
also recognized a net expense of $0.7 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. The information on our website is not incorporated by reference into this annual report.

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.

97

 
 
D. EMPLOYEES

We currently employ 18 persons on a full-time basis through our subsidiaries SFL Management AS, SFL UK Management Ltd 
and SFL Management (Singapore) Pte. Ltd., and during the year ended December 31, 2021, employed 18 persons on a full-time 
basis.  We  have  contracted  with  independent  ship  managers  to  provide  technical  management  services  and  with  Frontline 
Management, Golden Ocean Management,  and other third parties for certain managerial responsibilities for our fleet. Frontline 
Management are also contracted to provide certain administrative services, including corporate services, and have contracted 
with Seatankers and Front Ocean for certain advisory and support services.

E. SHARE OWNERSHIP

The beneficial interests of our Directors and officers in our common shares as of March 24, 2022, 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 

— 

41,666 

— 

41,666 

41,666 

276,666 

133,334 

*

*

*

*

*

*

** Ms. Kathrine Fredriksen, the daughter of Mr. John Fredriksen, does not directly own any of our common shares. Please see 
“Item 7. Major Shareholders and Related Party Transactions—A. Major Shareholders”.

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.

98

 
 
 
 
 
 
 
 
 
 
 
 
 
In May 2021, 480,000 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  $8.79  per  share  and  the  first 
options will be exercisable from May 2022.

In February 2022, the Company awarded a total of 435,000 options to employees, officers and Directors, pursuant to the Option 
Scheme.  The  options  have  a  five-year  term  and  a  three-year  vesting  period  and  the  first  options  will  be  exercisable  from 
February 2023 onwards. The initial strike price was $8.73 per share. 

Details of options to acquire our common shares by our Directors and officers as of March 24, 2022, were as follows:

Director or Officer

James O'Shaughnessy

James O'Shaughnessy

James O'Shaughnessy

James O'Shaughnessy

Gary Vogel

Gary Vogel

Gary Vogel

Gary Vogel

Keesjan Cordia

Keesjan Cordia

Keesjan Cordia

Keesjan Cordia
Kathrine Astrup Fredriksen

Kathrine Astrup Fredriksen

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Aksel C. Olesen

Aksel C. Olesen

Aksel C. Olesen

Aksel C. Olesen

Number of options

Total

Vested

Exercise 
price

Expiration Date

25,000 

25,000 

25,000 

30,000 

25,000 

25,000 

25,000 

30,000 

25,000 

25,000 

25,000 

30,000 

25,000 

30,000 

40,000 

30,000 

150,000 

85,000 

180,000 

100,000 

100,000 

50,000 

80,000 

75,000 

25,000  $ 

16,666  $ 

—  $ 

—  $ 

25,000  $ 

9.47 

11.62 

8.11 

8.53 

9.47 

March 2024

February 2025

May 2026

February 2027

March 2024

16,666  $ 

11.62 

February 2025

—  $ 

—  $ 

25,000  $ 

8.11 

8.53 

9.47 

May 2026

February 2027

March 2024

16,666  $ 

11.62 

February 2025

—  $ 

—  $ 

—  $ 

—  $ 

40,000  $ 

30,000  $ 

150,000  $ 

56,666  $ 

—  $ 

—  $ 

100,000  $ 

8.11 

8.53 

8.11 

8.53 

9.32 

10.39 

9.47 

11.62 

8.11 

8.53 

8.27 

May 2026

February 2027

May 2026

February 2027

September 2022

April 2023

March 2024

February 2025

May 2026

February 2027

January 2024

33,334  $ 

11.62 

February 2025

—  $ 

—  $ 

8.11 

8.53 

May 2026

February 2027

99

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7.  MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

A. MAJOR SHAREHOLDERS

The following table presents certain information as of March 21, 2022, 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.

Owner

Hemen Holding Limited (1)

Number of 
Common Shares

Percent of 
Common Shares

25,728,687

18.6%

(1) C.K. Limited is the trustee of two trusts (the “Trusts”) settled by Mr. John Fredriksen. The Trusts indirectly hold all of the 
shares of Hemen and the sole shareholder of Hemen, Greenwich Holdings Limited. Accordingly, C.K. Limited, as trustee, may 
be  deemed  to  beneficially  own  the  25,728,687  common  shares  of  the  Company  that  are  owned  by  Hemen  and  beneficially 
owned  by  Greenwich  Holdings  Limited.  The  beneficiaries  of  the  Trusts  are  members  of  Mr.  Fredriksen’s  family.  Mr. 
Fredriksen  is  neither  a  beneficiary  nor  a  trustee  of  either  Trust.  Therefore,  Mr.  Fredriksen  has  no  economic  interest  in  such 
25,728,687  common  shares  and  Mr.  Fredriksen  disclaims  any  control  over  such  25,728,687  common  shares,  save  for  any 
indirect influence he may have with C.K. Limited, as the trustee of the Trusts, in his capacity as the settlor of the Trusts.

A total of 138,551,387 common shares were outstanding as of March 21, 2022. 

In calculating the above percentages of common shares held by Hemen, the total number of issued and outstanding common 
shares of 138,551,387 was used as denominator which includes shares outstanding from share lending arrangements. Included 
are  8,000,000  shares  initially  issued  and  loaned  as  part  of  a  share  lending  arrangement  relating  to  the  October  2016  issue  of 
5.75% convertible notes. After the maturity of these bonds in 2021, the loaned shares were transferred to another party under a 
general share lending agreement. We have also included 3,765,842 shares which were issued and loaned in December 2018 as 
part  of  a  share  lending  arranging  relating  to  the  4.875%  convertible  notes.  These  3,765,842  shares  which  were  issued  and 
loaned, are owned by the Company and are to be returned on or before maturity of the bonds in 2023 pursuant to the terms of 
the applicable share lending arrangement.

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

As of March 21, 2022, we had 339 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.

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 (1)

Golden Ocean

Seatankers
Front Ocean
NorAm Drilling
ADS Maritime Holding Plc, formerly known as ADS Crude Carriers Plc ("ADS Maritime Holding")
Golden Close
River Box

100

 
 
(1) From February 2022, Seadrill was determined to no longer be a related party following its emergence from bankruptcy (see 
below).

As of March 24, 2022, we chartered two vessels to Frontline Shipping under long-term direct financing leases, both of which 
have given economic effect from January 1, 2004. As of December 31, 2021, the balance of net investments in direct financing 
leases  to  Frontline  Shipping  was  $69.8  million  (2020:  $76.1  million)  before  credit  loss  provision  and  of  which  $6.5  million 
(2020: $6.3 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. No shares were sold in the year ended December 31, 2021. No 
dividend income was received on these shares in the year ended December 31, 2021 (2020: $3.1 million). 

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 $0.3 million under the 50% profit sharing agreement in 2021 (2020: $18.6 million; 2019: $4.8 
million).

As of March 24, 2022, we chartered one ultra deepwater drilling unit (West Hercules) and one jack-up drilling rig (West Linus) 
to  subsidiaries  of  Seadrill.  The  charters  for  these  rigs  were  initially  classified  as  direct  financing  leases  and  the  rig  owning 
subsidiaries were accounted for using the equity method until August 2021 and October 2020 respectively. In the year ended 
December 31, 2021 the applicable bankruptcy court approved the Interim Funding and Settlement Agreement signed between 
the Company and Seadrill, allowing Seadrill to pay reduced charter hire for the two rigs during the interim period. The change 
in rate met the definition of a modification resulting in the leases being reclassified from direct financing leases to operating 
leases. In the year ended December 31, 2021, we earned operating lease revenues of $28.9 million in relation to the two rigs on 
charter to Seadrill. As of December 31, 2021, the carrying value of the two rigs was $599.3 million.

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 10 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 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, 2021, we earned $9.8 million income under this arrangement (2020: $0.0 million; 2019: $0.8 
million). The charters for these vessels are classified as operating leases and as of December 31, 2021, the net book value of 
these vessels was $181.3 million (2020: $200.5 million). The amendment to charters on seven of the vessels in 2019 did not 
amend the original lease classification.

101

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 24, 2022, we also have 21 container vessels, seven dry bulk carriers, five Suezmax tankers, two 
car  carriers,  six  product  tankers  and  two  chemical  tankers  operating  on  time  charter  or  in  the  spot  market,  for  which  the 
supervision of the technical management is sub-contracted to Frontline Management. We also pay Frontline and its subsidiaries 
a  fixed  management  fee  of  $150  per  day,  in  relation  to  five  Suezmax  tankers  and  six  product  tankers  operating  in  the  spot 
market  and  on  time  charter,  and  an  additional  fee  of  1.25%  of  chartering  revenues,  in  relation  to  the  two  Suezmax  tankers 
operating in the spot market. In the year ended December 31, 2021, management fees paid to Frontline Management amounted 
to $7.8 million (2020: $8.9 million; 2019: $11.8 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 24, 2022, we also have 16 container vessels and seven 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, 2021, total management fees paid to Golden Ocean Management amounted to approximately 
$20.8 million (2020: $21.4 million; 2019: $21.3 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 years ended December 31, 2020 and 2019 we earned total interest 
on the loan notes from Frontline and Frontline Shipping in the amount of $0.2 million and $1.6 million respectively.

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 August 2018, we acquired approximately 4.0 million shares in ADS Maritime Holding, a newly formed company trading on 
the Oslo Merkur Market, for a purchase price of $10.0 million. 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. As of December 31, 2020, the shares in ADS Maritime Holding were valued at 
$8.9 million. Dividend income of $2.9 million was received in 2020 (2019: $0.3 million), which represents approximately 17% 
of  the  outstanding  shares  in  2020.  In  year  ended  December  31,  2021,  we  received  a  capital  dividend  of  approximately  $8.8 
million following the sale of the remaining two vessels by ADS Maritime Holding. Also in the year December 31, 2021, we 
sold the shares in ADS Maritime Holding for a consideration of approximately $0.8 million and recorded a gain of $0.7 million 
on disposal. 

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. This 
investment  is  valued  at  $1.3  million  as  of  December  31,  2021  and  is  included  in  "Investments  in  Debt  and  Equity 
Securities"  (Note  11).  No  dividend  income  was  received  from  the  investment  in  NorAm  Drilling  in  the  years  ended 
December 31, 2021, 2020 and 2019.

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 2020, 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, 2021 (2020: $0.4 million; 2019: $0.5 million).

102

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  18:  Investment  in  Associated  Companies).  SFL  has 
granted a $45.0 million fixed interest rate loan to River Box. The loan is repayable in full on November 16, 2033, or earlier if 
the company sell its assets. The outstanding loan balance as of December 31, 2021 was $45 million.

SFL Hercules and SFL Linus each own the drilling units West Hercules and West Linus respectively. These units are leased to 
subsidiaries  of  Seadrill.  SFL  Deepwater  owned  the  drilling  unit  West  Taurus,  which  was  also  on  charter  to  a  subsidiary  of 
Seadrill  until  the  first  quarter  of  2021.  Because  the  main  assets  of  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  were  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  18:  Investment  in  Associated  Companies). 
During the year ended December 31, 2021, and following amendments to the West Hercules bareboat charter and loan facility 
agreements, SFL Hercules Ltd was determined to no longer be a variable interest entity and was consolidated from August 27, 
2021 when the amendments were approved by the applicable bankruptcy court. With regards to SFL Linus and SFL Deepwater, 
the Company was determined to be the primary beneficiary of the two subsidiaries in October 2020, following changes to their 
financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  two  subsidiaries  were 
consolidated by the Company. SFL has agreements with SFL Hercules, SFL Linus and SFL Deepwater granting them loans of 
$145.0  million,  $125.0  million  and  $145.0  million  respectively.  The  net  outstanding  balance  of  these  loans  has  now  been 
consolidated by SFL. 

In the year ended December 31, 2021, we received interest income on these loans of $4.6 million from River Box (2020: $0.0 
million; 2019: $0.0 million) and $2.4 million from SFL Hercules (2020: $3.6 million; 2019: $3.6 million) totaling $6.9 million. 
In 2020 we also received interest income of $3.8 million from SFL Deepwater (2019: $5.1 million), and $4.5 million from SFL 
Linus (2019: $5.4 million).

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 our drilling rigs, West 
Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 11 process 
was ongoing. Pursuant to these agreements, Seadrill is allowed to use funds received from the respective sub-charterers to pay a 
fixed level of operating and maintenance expenses in addition to general and administrative costs. In exchange, SFL receives 
approximately 65 - 75% of the contractual charter hire under the existing charter agreements for West Linus and West Hercules. 
Any  excess  amounts  paid  pursuant  to  the  above  referenced  sub-charters  will  remain  in  Seadrill's  earnings  accounts,  that  are 
pledged to SFL and its financing banks.

In August 2021, the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) with 
subsidiaries of Seadrill for the harsh environment semi-submersible rig West Hercules. Under the amendment agreement with 
Seadrill, the West Hercules is contracted to be employed with an oil major into the second half of 2022 (the “charter period”), 
prior to being redelivered to SFL in Norway. Pursuant to the amendment agreement, SFL has agreed to receive bareboat hire of 
(i)  approximately  $64,700  per  day  until  Seadrill  emerges  from  Chapter  11  and  its  plan  of  reorganization  (the  "Plan")  is 
confirmed by the court (the “Emergence Date”), and (ii) following the Emergence Date, approximately $60,000 per day while 
the  rig  is  employed  under  a  contract  and  generating  revenues  for  Seadrill  and  approximately  $40,000  in  all  other  scenarios, 
including when the rig is idle or undergoing mobilization or demobilization. Pursuant to the amendment agreement, Seadrill has 
agreed  to  fund  the  mobilization  and  demobilization  of  the  rig,  which  is  expected  to  occur  during  the  charter  period.  Seadrill 
obtained bankruptcy court approval of the amendment agreement on August 27, 2021, which was a condition precedent to the 
effectiveness to the amendment agreement. Each of SFL’s financing banks consented to the amendment agreement, and SFL’s 
limited  corporate  guarantee  of  the  outstanding  debt  of  the  rig  owning  subsidiary  remains  unchanged  at  $83  million. 
Additionally, SFL agreed to a cash contribution of $5 million to the SFL Hercules's pledged Earnings Account at the time of 
redelivery following the termination of the Seadrill charter, in addition to a $3 million payable by Seadrill.

Following these amendments, SFL Hercules is in compliance with its debt covenants.

The lease to West Taurus, was rejected by the court in March 2021 and the rig was redelivered by Seadrill to SFL in the second 
quarter of 2021. In March 2021, we signed an agreement for the recycling of the rig at a facility in Turkey and delivered to the 
recycling  facility  in  September  2021.  The  asset  was  derecognized  at  disposal  and  a  net  loss  of  $0.6  million  was  recorded  in 
relation to the recycling of the rig.

103

On October 26, 2021, Seadrill announced that the Plan was confirmed by the U.S. Bankruptcy Court for the Southern District of 
Texas.  On  February  22,  2022,  Seadrill  announced  that  it  has  emerged  from  Chapter  11  after  successfully  completing  its 
reorganization.

In February 2022, we agreed to make changes to the chartering and management structure of the harsh environment jack-up 
drilling rig West Linus. The rig was delivered in 2014, and is currently operated by a subsidiary of Seadrill and employed on a 
long-term drilling contract with ConocoPhillips in the North Sea until the fourth quarter of 2028.

Seadrill,  ConocoPhillips  and  us  reached  an  agreement  in  which  the  drilling  contract  with  ConocoPhillips  is  expected  to  be 
assigned from the current operator to one of our subsidiaries upon the new operator receiving necessary regulatory approvals. 
Upon  effective  assignment  of  the  drilling  contract,  SFL  will  receive  charter  hire  from  the  rig  and  pay  for  operating  and 
management expenses. 

SFL  has  simultaneously  entered  into  an  agreement  for  the  operational  management  of  the  rig  with  a  subsidiary  of  Odfjell,  a 
leading harsh environment drilling rig operator. The change of operational management from Seadrill to Odfjell is subject to 
customary regulatory approvals relating to operations on the Norwegian Continental Shelf.

Until the approvals are in place, Seadrill will continue the existing charter arrangements for a period of up to approximately 
nine months. The bareboat charter rate from Seadrill in this transition period will be approximately $55,000 per day.

Upon  emergence  from  Chapter  11  in  February  2022,  a  new  independent  Board  of  Directors  assumed  leadership  of  the  new 
parent  company  of  the  Seadrill  group,  which  is  referred  to  as  Seadrill  2021  Limited.  Hemen's  shareholding  in  Seadrill  2021 
Limited  post-emergence  from  bankruptcy  is  also  below  1%.  Consequently,  SFL  determined  that  Seadrill  and  Seadrill  2021 
Limited were no longer a related party following the emergence from bankruptcy.

For a discussion of certain operating, environmental and other risks relating to our rigs, please refer to the risk factors section 
(see Item 3D).

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, 2021 and December 31, 2020, and 
the  results  of  their  operations  and  their  cash  flows  for  each  of  the  years  in  the  three-year  period  ended  December  31,  2021, 
which  have  been  audited  by  MSPC,  Certified  Public  Accountants  and  Advisors,  PC  (“MSPC”)  (PCAOB  ID  No.  717),  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 4. 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 SFL UK Management Ltd (formerly 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. 

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, 2021.

104

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. 

We have paid the following cash dividends in 2019, 2020 and 2021:

Payment Date

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

2021

March 30, 2021

June 29, 2021

September 29, 2021

December 29, 2021

 Amount per 
Share

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

0.35 

0.35 

0.35 

0.35 

0.35 

0.25 

0.25 

0.15 

0.15 

0.15 

0.15 

0.18 

On February 16, 2022, our Board of Directors declared a dividend of $0.20 per share which will be paid in cash on or around 
March 29, 2022.

B. SIGNIFICANT CHANGES

None.

105

 
 
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".

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.

106

 
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.

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 term, and shall serve until re-elected or until their 
successors are appointed at the next annual general meeting.

107

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.

C. MATERIAL CONTRACTS

As of March 24, 2022, we have not entered into any new material contracts in the last two years, 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".

108

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.

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 2021 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.

109

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.

For our 2021 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  18.6%  of  our  outstanding  common  shares 
during the 2021 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.

110

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.

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.

111

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.

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.

112

We  intend  to  take  the  position  that  we  were  not  treated  as  a  PFIC  for  our  2021  taxable  year.  For  the  2022  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 to their 
holding in our common shares.

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;

113

•

•

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.

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.

114

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.

Other U.S. Information Reporting Obligations

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.

115

 
 
 
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,  are  available  at  http://www.sec.gov.  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.  The  information  on  our  website,  however,  is  not,  and 
should not be deemed to be a part of this annual report.

I. SUBSIDIARY INFORMATION

Not Applicable.

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.

As of December 31, 2021, 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 $9.9 million to terminate them as of December 31, 2021 (2020: 
$8.8  million).  As  of  December  31,  2021,  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 pay $0.0 million to terminate 
them as of December 31, 2021 (2020: receive $0.0 million).

Similarly, as of December 31, 2021, 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.  The  net  amount  of  debt  outstanding  as  of 
December 31, 2021 was NOK695 million (2020: NOK695 million). 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 $2.7 million to terminate them as of December 31, 
2021 (2020: $2.2 million).

Similarly,  as  of  December  31,  2021,  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.  The  net  amount  of  debt  outstanding  as  of  December  31,  2021  was  NOK540  million  (2020:  NOK540  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  $1.0  million  to  terminate  them  as  of  December  31, 
2021 (2020: $3.1 million). 

As of December 31, 2021, we and our consolidated subsidiaries had entered into interest rate swap contracts with a combined 
notional principal amount of $0.7 billion (2020: $0.9 billion) at fixed interest rates between 0.28% per annum and 3.09% per 
annum. These interest rate swap agreements mature between January 2022 and August 2029, and we estimate that we would 
pay $3.0 million to terminate them as of December 31, 2021 (2020: $23.0 million).

116

 
The  overall  effect  of  our  swaps  is  to  fix  the  interest  rate  on  approximately  $0.7  billion  of  our  floating  rate  debt  as  of 
December  31,  2021  (2020:  $0.9  billion),  at  a  weighted  average  interest  rate  of  2.68%  per  annum  including  margin  (2020: 
2.91%).

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. 
As of December 31, 2021, a total of $0.1 billion of our floating rate debt was subject to such interest adjustment clauses. None 
of this was subject to interest rate swaps entered into for the benefit of the charterer. The balance of $0.1 billion remained on a 
floating rate basis. Comparably as of 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, with the balance of $0.5 billion remaining on a floating rate basis. 

As  of  December  31,  2021,  our  net  exposure,  including  equity-accounted  subsidiaries,  to  interest  rate  fluctuations  on  our 
outstanding  debt  was  $607.1  million,  compared  with  $54.9  million  as  of  December  31,  2020.  Our  net  exposure  to  interest 
fluctuations is based on our total of $1.5 billion floating rate debt outstanding as of December 31, 2021, less the $0.7 billion 
notional  principle  of  our  interest  rate  swaps  and  the  $0.1  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 $6.1 million per year as of December 31, 2021 (2020: $0.5 million per year). 

As of March 24, 2022, 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,  2021.  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) and 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, 2021. 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, 2021.

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, 
2021. 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. [RESERVED]

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.  The  information  on  our  website  is  not 
incorporated by reference into this annual report. 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  2021  and  2020  was  MSPC,  Certified  Public  Accountants  and  Advisors,  A  Professional 
Corporation  (“MSPC”)  (PCAOB  Firm  ID  number  is  717).  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

2021

560,000  $ 

129,000  $ 

— 
11,160  $ 

2020

560,000 

129,000 

— 
3,340 

700,160  $ 

692,340 

$ 

$ 

$ 

$ 

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 2021 and 2020 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, 2021, 2020 and 2019

Consolidated Statements of Comprehensive Income for the years ended December 31, 2021, 2020 and 2019

Consolidated Balance Sheets as of December 31, 2021 and 2020

Consolidated Statements of Cash Flows for the years ended December 31, 2021, 2020 and 2019
Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2021, 2020 
and 2019

Notes to Consolidated Financial Statements

F-2

F-4

F-5

F-6

F-7

F-9

F-12

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*

4.13*

4.14*

4.18*

4.19*

4.20*

4.23*

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.

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.

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.

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

123

4.24

8.1

12.1

12.2

13.1

13.2

15.1

Bond Agreement dated 7 May 2021, relating to SFL Corporation Ltd. 7.25% USD 200,000,000 senior 
unsecured sustainability-linked bonds 2021/2026.

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 24, 2022

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, 2021, 2020 and 2019

Consolidated Statements of Comprehensive Income for the years ended December 31, 2021, 2020 and 2019

Consolidated Balance Sheets as of December 31, 2021 and 2020

Consolidated Statements of Cash Flows for the years ended December 31, 2021, 2020 and 2019

Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2021, 2020 
and 2019
Notes to the Consolidated Financial Statements

F-2

F-4

F-5

F-6

F-7

F-9

F-12

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,  2021  and  2020,  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, 2021, 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, 2021, 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 the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for each of the 
years  in  the  three-year  period  ended  December  31,  2021,  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, 2021, based on criteria established in Internal Control—Integrated Framework (2013) 
issued by 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 the Company’s 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 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 and 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  matter  communicated  below  is  a  matter  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 a critical audit matter 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 a separate 
opinion on the critical audit matter 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, primarily comprised of 
vessel 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    vessel  assets  are  measured  by  a  comparison  of  the  carrying 
amount of the vessel assets to future net cash flows expected to be generated by these assets, including their eventual disposal. 
If such vessel 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 vessel assets.

We identified the evaluation of potential impairment indicators for vessel 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 
vessel  asset  may  no  longer  be  recoverable.  These  included  controls  related  to  the  consideration  of  estimated  cash  flows    to 
actual  operating  results  and  market  conditions  in  the  determination  of  a  triggering  event.  We  evaluated  the  Company’s  key 
assumptions used in estimating future cash flows from its vessel assets. We compared data used by the Company to develop its 
assumptions to external data sources, 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 vessel assets. We evaluated the Company’s data and assumptions 
to ensure consistency with audit evidence obtained.

/s/ MSPC 
Certified Public Accountants and Advisors,
A Professional Corporation

New York, New York

March 24, 2022 

F-3

 
 
 
SFL Corporation Ltd.

 CONSOLIDATED STATEMENTS OF OPERATIONS
for the years ended December 31, 2021, 2020 and 2019 
(in thousands of $, except per share amounts)

2021

2020

2019

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 – related parties

Bareboat charter revenues – other

Voyage charter revenues – other

Other operating income

Total operating revenues

Gain on sale of assets, net

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 income/(loss)
Non-operating income / (expense)

Interest income – related parties, long term loans to associated companies

Interest income – related parties, other

Interest income – other

Interest expense – other

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

(Loss)/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 income/(loss) before equity in earnings of associated companies

Equity in earnings of associated companies

Net income/(loss)

Per share information:

Basic earnings/(loss) per share

Weighted average number of shares outstanding, basic

Diluted earnings/(loss) per share

Weighted average number of shares outstanding, diluted

Cash dividend per share declared and paid

1,500 

18,024 

6,570 

10,103 

10,601 

50,463 

1,744 

69,472 

6,903 

18,677 

3,892 

51,954 

319,282 

268,635 

28,898 

1,798 

61,804 

4,353 

513,396 

39,405 

28,623 

128,109 

138,330 

1,927 

740 

12,234 

309,963 

242,838 

6,921 

443 

86 

— 

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 

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 

(97,090) 

(135,442) 

(145,058) 

995 

(727) 

— 

— 

— 

6,683 

160,149 

4,194 

164,343 

(22,453) 

67,533 

4,446 

6,030 

1,894 

(25,945) 

(228,711) 

4,286 

(224,425) 

$ 

$ 

$ 

1.35  $ 

(2.06)  $ 

122,141

108,972

1.30  $ 

(2.06)  $ 

139,383  

108,972 

0.63  $ 

1.00  $ 

67,701 

1,802 

— 

2,590 

— 

(12,753) 

72,123 

17,054 

89,177 

0.83 

107,614

0.83 

107,696 

1.40 

The accompanying notes are an integral part of these consolidated financial statements. 

F-4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
for the years ended December 31, 2021, 2020 and 2019 
(in thousands of $)

Comprehensive income/(loss), net of tax

Net income/(loss)

2021

2020

2019

164,343 

(224,425) 

89,177 

Fair value adjustments to hedging financial instruments

10,408 

(7,695) 

(12,748) 

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 
investment securities classified as available-for-sale securities

Other comprehensive income/(loss)

Other comprehensive income/(loss), net of tax

Comprehensive income/(loss)

— 

(1,101) 

817 

(2) 

10,122 

174,465 

1,059 

(4,608) 

4,888 

55 

(6,301) 

(230,726) 

— 

(2,190) 

2,181 

(6) 

(12,763) 

76,414 

 The accompanying notes are an integral part of these consolidated financial statements.

F-5

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

CONSOLIDATED BALANCE SHEETS
as of December 31, 2021 and 2020 
(in thousands of $)

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

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
Newbuildings and vessel purchase deposits

Loans and long term receivables from related parties including associates

Financial instruments at fair value, long-term portion

Other long-term assets

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

Stockholders' equity
Share capital ($0.01 par value; 300,000,000 shares authorized; 138,551,387 shares issued and 
outstanding as of December 31, 2021). ($0.01 par value; 300,000,000 shares authorized; 
127,810,064 shares issued and outstanding as of December 31, 2020).

Additional paid-in capital

Contributed surplus

Accumulated other comprehensive loss

Accumulated deficit

Total stockholders' equity

Total liabilities and stockholders' equity

2021

2020

145,622 
8,338 
21,210 
8,557 
11,134 
15,444 
10,124 
6,403 
23,484 

250,316 

215,445 
8,953 
28,805 
7,718 
6,666 
22,024 
8,808 
2,597 
55,420 

356,436 

2,230,583 

1,240,698 

656,072 

181,282 

16,635 
57,093 
45,000 

3,184 

19,132 

697,380 

622,123 

27,297 
— 

123,910 

3,406 

21,961 

3,459,297 

3,093,211 

302,769 

51,204 

1,295 

1,770 

19,794 

738 
22,746 

484,956 

48,887 

2,724 

1,247 

21,060 

1,572 
16,085 

400,316 

576,531 

1,586,445 

472,996 

17,209 
4 

1,164,113 

524,200 

32,712 
4 

2,476,970 

2,297,560 

1,386 

621,037 

461,818 

(9,194) 

(92,720) 

982,327 

1,278 

531,382 

539,370 

(19,316) 

(257,063) 

795,651 

3,459,297 

3,093,211 

The accompanying notes are an integral part of these consolidated financial statements.

F-6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

 CONSOLIDATED STATEMENTS OF CASH FLOWS
for the years ended December 31, 2021, 2020 and 2019 
(in thousands of $)

Operating activities
Net income/(loss)

Adjustments to reconcile net income/(loss) 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
(Gain)/loss on investments in debt and equity securities
Equity in earnings of associated companies
Gain on sale of assets
Gain on sale of subsidiaries
Repayments from investment in sales-type, direct financing and leaseback assets 
Loss/(gain) on repurchase of bonds
Loss on early termination of swaps
Other, net

Changes in operating assets and liabilities

Trade accounts receivable
Due to/ 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

Additions to newbuildings and vessel purchase deposits
Additions to direct financing leases and leaseback assets
Purchase of vessels, capital improvements and other additions
Proceeds from sale of vessels
Proceeds from sale of subsidiaries, net of cash disposed of
Net amounts received from associated companies
Proceeds from sale of equity securities
Other investments and long-term assets, net

Net cash (used in)/provided by 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 and redemption of bonds
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 provided by/(used in) 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

F-7

2021

2020

2019

164,343 

(224,425)   

89,177 

138,330 
6,704 
— 
6,672 
1,927 
— 
(11,591)   
(995) 
(4,194)   
(39,405)   
— 
36,276 
727 
— 
1,072 

(4,073)   
(4,317)   
6,518 
(1,315)   
(3,806)   
447 
275 
293,595 

(61,351)   
— 

(520,271)   
183,886 
— 
9,998 
— 
(1,312)   
(389,050)   

(48,887)   
586,750 
(301,451)   
(215,098)   

— 
(8,025)   
— 
— 
89,280 
(77,552)   
25,017 
(70,438)   
224,398 
153,960 

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 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash, restricted cash and cash equivalents:

Cash and cash equivalents

Restricted cash

Cash, restricted cash and cash equivalents at end of the year

Supplemental disclosure of cash flow information:

Interest paid, net of capitalized interest

2021

2020

2019

145,622 

8,338 
153,960 

215,445 

8,953 
224,398 

199,521 

3,495 
203,016 

70,979 

71,476 

72,344 

Details of non-cash investing and financing activities are provided in Note 23 - 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, 2021, 2020 and 2019 
(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

Payments in lieu of issuing shares 

Amortization of stock-based compensation

Stock-based compensation forfeitures

Shares issued- share option, dividend reinvestment and other schemes

Equity adjustments arising from reacquisition of convertible notes

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 ineffective portion of designated hedging instruments upon 
adoption of ASU 2017-12

Other comprehensive income/(loss)

At end of year (see breakdown below)

(Accumulated deficit)/retained earnings

At beginning of year

Impact of adoption of ASU 2016-13

Reclassification of ineffective portion of designated hedges and instruments 
upon adoption of ASU 2017-12

Net income/(loss)

Dividends declared

At end of year

Total stockholders' equity

F-9

2021

2020

2019

  127,810,064 

  119,391,310 

  119,373,064 

10,741,323 

8,418,754 

18,246 

  138,551,387 

  127,810,064 

  119,391,310 

1,278 

108 

1,386 

1,194 

84 

1,278 

1,194 

— 

1,194 

531,382 

469,426 

468,844 

(97) 

981 

— 

89,269 

(498) 

— 

966 

(96) 

61,400 

(314) 

— 

896 

(83) 

— 

(231) 

621,037 

531,382 

469,426 

539,370 

(77,552) 

461,818 

(19,316) 

10,408 

— 

(1,101) 

648,764 

(109,394) 

539,370 

(13,015) 

(7,695) 

1,059 

(4,608) 

680,703 

(31,939) 

648,764 

(220) 

(12,748) 

— 

(2,190) 

817 

4,888 

2,181 

— 

(2) 

— 

55 

(32) 

(6) 

(9,194) 

(19,316) 

(13,015) 

(257,063) 

— 

29,511 

— 

— 

(32,638) 

— 

— 

32 

164,343 

(224,425) 

89,177 

— 

(92,720) 

982,327 

— 

(118,720) 

(257,063) 

— 

795,651 

1,106,369 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Accumulated other comprehensive loss 

2021

2020

2019

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

2,758 

(5,564) 

(1,514) 

(7,280) 

(7,162) 

(7,289) 

(4,942) 

(7,146) 

(4,433) 

(32) 

631 

(329) 

(32) 

915 

(327) 

(32) 

635 

(382) 

Accumulated other comprehensive loss

(9,194) 

(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, 2021, the Company owned two very large crude oil carriers ("VLCCs"), three Suezmax crude oil carriers, 
five  Supramax  dry  bulk  carriers,  two  Kamsarmax  dry  bulk  carriers,  eight  Capesize  dry  bulk  carriers,  35  container  vessels 
(including four chartered-in 19,200 and 19,400 twenty-foot equivalent units ("TEU") container vessels and seven 10,600 TEU 
and 14,000 TEU container vessels financed through sale and leaseback), two car carriers, one jack-up drilling rig, one ultra-
deepwater drilling unit, two chemical tankers and four oil product tankers. In addition, the Company has one VLCC which is 
accounted for as a leaseback asset. (See Note 17: Investments in Sales-Type Leases, Direct Financing Leases and Leaseback 
Assets).  The  Company  has  also  contracted  to  acquire  four  dual-fuel  7,000  Car  Equivalent  Unit  ("CEU")  newbuilding  car 
carriers, currently under construction. The vessels are expected to be delivered in 2023 and 2024. (See Note 14: Newbuildings 
and Vessel Purchase Deposits).

As of December 31, 2021, 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 in 2020. (See 
Note 18: 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.

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.

F-12

 
 
 
 
 
 
 
 
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

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.

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.

F-13

 
 
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 25: Related Party Transactions, the Company has, or has had, profit sharing arrangements with Frontline 
Shipping  Limited  ("Frontline  Shipping"),  and  Golden  Ocean  Group  Limited  ("Golden  Ocean").  In  addition,  the  Company's 
charter agreements relating to seven containerships chartered to Maersk on a time charter basis include an arrangement where 
we receive a share of the fuel savings, dependent on the price difference between IMO compliant fuel and IMO non-compliant 
fuel that is subsequently made compliant by the scrubbers. 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.

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 to 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.

F-14

 
 
 
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. 

On  December  31,  2020,  the  Company  sold  50.1%  of  the  shares  of  River  Box  Holding  Inc.  (“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 18: 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 recycling value or the option price at the next option date, as 
appropriate.

F-15

 
 
 
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".

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.  In  the  year  ended  December  31,  2021,  $0.4  million  interest  was  capitalized  in  the  cost  of  newbuildings  (2020:  $0.0 
million; 2019: $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  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. 

Leaseback assets

Any  vessels  purchased  and  leased  back  to  the  same  party  are  evaluated  under  sale  and  leaseback  accounting  to  determine 
whether it is appropriate to account for the transaction as a sale and purchase of an asset, respectively. 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.

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. 

F-17

 
 
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. 

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.

F-18

 
 
 
 
 
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  December  2019,  the  FASB  issued  ASU  No,  2019-12  "Income  Taxes  (Topic  740)  Simplifying  the  Accounting  for  Income 
Taxes". ASU 2019-12 removes specific exceptions to the general principles in Topic 740 in Generally Accepted Accounting 
Principles  (GAAP)  and  also  improves  the  financial  statements  preparers'  application  of  income  tax-related  guidance  and 
simplifies  GAAP.  ASU  2019-12  was  effective  for  fiscal  years  beginning  after  2020,  and  interim  periods  within  those  fiscal 
years. The adoption of ASU 2019-12 did not have a material impact to the Company’s consolidated financial position, results of 
operations or cash flows.

In January 2020, the FASB issued ASU 2020-01 "'Investments—Equity Securities (Topic 321), Investments—Equity Method 
and  Joint  Ventures  (Topic  323),  and  Derivatives  and  Hedging  (Topic  815)—Clarifying  the  Interactions  between  Topic  321, 
Topic 323, and Topic 815". ASU 2020-01 among other things clarifies that a company should consider observable transactions 
that require a company to either apply or discontinue the equity method of accounting under Topic 323, Investments—Equity 
Method  and  Joint  Ventures,  for  the  purposes  of  applying  the  measurement  alternative  in  accordance  with  Topic  321 
immediately  before  applying  or  upon  discontinuing  the  equity  method.  The  new  ASU  clarifies  that,  when  determining  the 
accounting  for  certain  forward  contracts  and  purchased  options  a  company  should  not  consider,  whether  upon  settlement  or 
exercise, if the underlying securities would be accounted for under the equity method or fair value option. ASU 2020-01 was 
effective for fiscal years, and interim periods after December 15, 2020. The adoption of ASU 2020-01 did not have a material 
impact to the Company’s consolidated financial position, results of operations or cash flows.

In  October  2020,  the  FASB  issued  ASU  2020-08  "Codification  Improvements  to  Subtopic  310-20,  Receivables—
Nonrefundable Fees and Other Costs". ASU 2020-08 clarifies that an entity should reevaluate whether a callable debt security is 
within the scope of ASC paragraph 310-20-35-33 for each reporting period. ASU 2020-08 was effective for fiscal years and 
interim  periods  within  those  fiscal  years,  beginning  after  December  15,  2020.  The  adoption  of  ASU  2020-08  did  not  have  a 
material impact to the Company’s consolidated financial position, results of operations or cash flows.

F-19

 
 
 
 
 
 
In October 2020, the FASB issued ASU 2020-10 "Codification Improvements". ASU 20201-10 affects a wide variety of Topics 
in the Codification. ASU 2020-10 was effective for annual periods beginning after December 15, 2020. The adoption of ASU 
2020-10 did not have a material impact to the Company’s consolidated financial position, results of operations, cash flows or in 
the notes to financial statements.

3.

RECENTLY ISSUED ACCOUNTING STANDARDS

The  following  is  a  brief  discussion  of  a  selection  of  recently  released  accounting  pronouncements  that  are  pertinent  to  the 
Company's business:

In October 2021, the FASB issued ASU No. 2021-08, "'Business Combinations (Topic 805): Accounting for Contract Assets 
and Contract Liabilities from Contracts with Customers" ("ASU 2021-08"). This ASU requires entities to apply Topic 606 to 
recognize  and  measure  contract  assets  and  contract  liabilities  in  a  business  combination.  The  amendments  improve 
comparability  after  the  business  combination  by  providing  consistent  recognition  and  measurement  guidance  for  revenue 
contracts with customers acquired in a business combination and revenue contracts with customers not acquired in a business 
combination. The amendments are effective for the Company beginning after December 15, 2022, and are applied prospectively 
to business combinations that occur after the effective date. The Company will evaluate these amendments based on the facts 
and circumstances of any future business combinations.

In  July  2021,  the  FASB  issued  ASU  No.  2021-05,  "Leases  (Topic  842):  Lessors—Certain  Leases  with  Variable  Lease 
Payments"  ("ASU  2021-05").  The  amendments  in  this  ASU  affect  lessors  with  lease  contracts  that  (1)  have  variable  lease 
payments that do not depend on a reference index or a rate and (2) would have resulted in the recognition of a selling loss at 
lease commencement if classified as sales-type or direct financing. The Update stipulates that lessors with such leases should 
classify them as operating leases if both of the following criteria are met: (1) The lease would have been classified as a sales-
type lease or a direct financing lease in accordance with the classification criteria in ASC paragraphs 842-10-25-2 through 25-3; 
and  (2)  The  lessor  would  have  otherwise  recognized  a  day-one  loss.  This  new  standard  amends  the  lease  classification 
requirements for lessors to align them with practice under ASC Topic 840. When a lease is classified as operating, the lessor 
does not recognize a net investment in the lease, does not derecognize the underlying asset, and, therefore, does not recognize a 
selling profit or loss. ASU 2021-05 is effective for fiscal years and interim periods beginning after December 15, 2021. Entities 
have the option to apply the amendments either (1) retrospectively to leases that commenced or were modified on or after the 
adoption of Update 2016- 02 or (2) prospectively to leases that commence or are modified on or after the date that an entity first 
applies the amendments. The Company intends to choose the prospective option and the effect on the financial statements will 
be evaluated based on the facts and circumstances of future lease contracts.

In May 2021, the FASB issued ASU No. 2021-04, "Earnings Per Share (Topic 260), Debt—Modifications and Extinguishments 
(Subtopic  470-50),  Compensation—Stock  Compensation  (Topic  718),  and  Derivatives  and  Hedging—Contracts  in  Entity’s 
Own Equity (Subtopic 815-40): Issuer’s Accounting for Certain Modifications or Exchanges of Freestanding Equity-Classified 
Written  Call  Options"  ("ASU  2021-04").  This  new  standard  provides  guidance  for  a  modification  or  an  exchange  of  a 
freestanding equity-classified written call option that is not within the scope of another Topic. It specifically addresses: (1) How 
an entity should treat a modification of the terms or conditions or an exchange of a freestanding equity-classified written call 
option  that  remains  equity  classified  after  modification  or  exchange;  (2)  How  an  entity  should  measure  the  effect  of  a 
modification  or  an  exchange  of  a  freestanding  equity-classified  written  call  option  that  remains  equity  classified  after 
modification or exchange; and (3) How an entity should recognize the effect of a modification or an exchange of a freestanding 
equity-classified written call option that remains equity classified after modification or exchange. ASU 2021-04 is effective for 
fiscal  years  and  interim  periods  beginning  after  December  15,  2021.  The  Company  does  not  expect  the  adoption  of  ASU 
2021-04 will have a material effect on the consolidated financial statements.

F-20

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". Accounting Standards Codification (“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 from 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. In order to preserve the presentation of 
derivatives consistent with past presentation, the Company expects to take advantage of the expedients and exceptions provided 
by the ASUs 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"). ASU 2020-06 eliminates the current models that require separation of beneficial conversion 
and cash conversion features from convertible instruments and simplifies the derivative scope exception guidance pertaining to 
equity classification of contracts in an entity’s own equity. Consequently, a convertible debt instrument will be accounted for as 
a single liability measured at its amortized cost or will be accounted for as a single equity instrument measured at its historical 
cost, as long as no other features require bifurcation and recognition as derivatives. By removing those separation models, the 
interest rate of convertible debt instruments typically will be closer to the coupon interest rate. ASU 2020-06 also introduces 
additional disclosures for convertible debt and freestanding instruments that are indexed to and settled in an entity’s own equity. 
ASU 2020-06 amends the diluted earnings per share guidance, including the requirement to use the if-converted method for all 
convertible instruments. ASU 2020-06 is effective from January 1, 2022 and the Company plans to adopt the amendments on a 
modified retrospective basis. Based on a preliminary assessment the Company expects the adoption of ASU 2020-06 to involve 
adjustments  to  the  opening  balance  of  retained  earnings,  additional  paid-in  capital  and  unamortized  debt  issuance  costs.  The 
Company estimates the net impact of this adjustment to stockholders' equity to be less than $2 million, although this is subject 
to change based upon repurchases and issuances of convertible debt prior to implementation. Also, it is not expected that the 
amendments will have any material impact on the Company's calculation of basic or diluted earnings per share.

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.

F-21

 
 
 
 
 
 
 
 
Other Jurisdictions 

Certain of the Company's subsidiaries and branches in Norway, Singapore 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.

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 income/(loss) available to stockholders

Diluted earnings (loss) per share:

Net income/(loss) available to stockholders

Interest and other expenses/(gains) attributable to convertible notes

Net income/(loss) assuming dilution

Year ended December 31,

2021

2020

2019

164,343 

(224,425)   

89,177 

164,343 

16,166 

180,509 

(224,425)   

89,177 

— 

(304) 

(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,

2021

2020

2019

Weighted average number of common shares outstanding*

122,141 

108,972 

107,614 

Diluted earnings per share:

Weighted average number of common shares outstanding*

122,141 

108,972 

107,614 

Effect of dilutive share options

Effect of dilutive convertible notes

Weighted average number of common shares outstanding assuming dilution

— 

17,242 

139,383 

— 

— 

81 

1 

108,972 

107,696 

Basic earnings/(loss) per share:

Diluted earnings/(loss) per share:

Year ended December 31,

2021

1.35  $ 

1.30  $ 

2020

(2.06)  $ 

(2.06)  $ 

2019

0.83 

0.83 

$ 

$ 

*The weighted average number of common shares outstanding excludes 8,000,000 shares initially issued and loaned as part of 
a  share  lending  arrangement  originally  relating  to  the  Company's  issuance  of  5.75%  senior  unsecured  convertible  bonds  in 
October 2016. After the maturity of these bonds, the Company entered into a general share lending agreement with another 
counterparty  and  the  8,000,000  shares  were  transferred  into  its  custody.  The  weighted  average  number  of  common  shares 
outstanding  also  excludes  3,765,842  shares  issued  as  of  December  31,  2021  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 3,765,842 shares, which were issued and loaned, are owned by the Company and are to be returned on or before 
maturity of the bonds in 2023, pursuant to the terms of the applicable share lending arrangement, although the Company may 
enter into additional lending arrangements in respect of these shares upon the maturity of the existing lending arrangement. 
(See also Note 23: Share Capital, Additional Paid-In Capital and Contributed Surplus).

F-22

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In October 2021, the Company redeemed the full amount outstanding under the 5.75% senior unsecured convertible bonds due 
2021.  The  remaining  outstanding  principal  amount  of  $144.7  million  was  fully  satisfied  in  cash.  During  the  year  ended 
December  31,  2021,  the  Company  purchased  bonds  with  principal  amounts  totaling  $67.6  million  from  the  5.75%  senior 
unsecured convertible bonds due 2021. As of December 31, 2021, the principal amounts of the repurchased bonds were anti-
dilutive, assuming if converted, at the start of the period. 

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.

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, 2021, are as follows: 

Year ending December 31,

(in thousands of $)

2022

2023

2024

2025

2026

Thereafter

Total minimum lease revenues

430,170 

379,089 

260,409 

108,002 

105,541 

101,174 

1,384,385 

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  of  December  31,  2021,  the  Company  had  installed  scrubbers  or  EGCS  on  16  vessels  accounted  for  as  operating  leases 
(seven  container  vessels,  seven  Capesize  bulk  carriers  and  two  Suezmax  tankers),  three  container  vessels  accounted  for  as 
finance  leases  and  two  VLCCs  accounted  for  as  direct  financing  leases.  As  part  of  the  agreement  for  the  installation  of 
scrubbers on the seven container vessels (2020: five), which were on time charter contracts, 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, 2021, the Company recorded an income of 
$10.6 million in connection with the cost savings agreement (December 31, 2020: $3.9 million).

The cost and accumulated depreciation of vessels (owned and under finance leases) leased to third parties on non-cancelable 
operating leases as of December 31, 2021 and 2020 were as follows:

(in thousands of $)
Cost
Accumulated depreciation
Total

2021
3,393,588 
(610,622)   
2,782,966 

2020
2,245,889 
(465,033) 
1,780,856 

F-23

 
 
 
 
 
 
 
 
 
 
 
 
 
 
8.

GAIN ON SALE OF ASSETS

The Company has recorded gains on sale of assets as follows:

(in thousands of $)

Gain on sale of vessels

Year ended December 31,

2021

39,405 

2020

2,250 

2019

— 

During the year ended December 31, 2021, 15 feeder container vessels, which were accounted for as direct financing leases and 
three  feeder  container  vessels  which  were  accounted  for  as  leaseback  assets,  were  sold  to  an  unrelated  party.  The  Company 
received  net  sale  proceeds  of  $82.0  million  and  recorded  a  gain  of  $0.6  million  on  disposal  of  these  vessels  during  the  year 
ended December 31, 2021.

Also during the year ended December 31, 2021, seven Handysize dry bulk carriers, which were accounted for as operating lease 
assets, were sold to an unrelated third party for total net sale proceeds of $97.7 million. A gain of $39.3 million was recorded on 
the disposal during the year ended December 31, 2021.

The drilling unit West Taurus, which was accounted for as an operating lease asset, was sold for recycling to a ship recycling 
facility in Turkey during the year ended December 31, 2021. A loss of $0.6 million was recorded on recycling during the year 
ended December 31, 2021. The wholly owned subsidiary owning the rig (SFL Deepwater Ltd) was initially accounted for using 
the equity method. In October 2020, the subsidiary ceased to be accounted for as an associate and became consolidated. (See 
Note 18: Investment in Associated Companies and Note 25: Related Party Transactions).

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  25:  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 and 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 was recorded during the year ended December 31, 2019. 

9. 

GAIN ON SALE OF SUBSIDIARIES

No subsidiaries were sold during the years ended December 31, 2021 and December 31, 2019.

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, 2021 the balance of the long-term loan from SFL to River Box was $45.0 million (2020: $45.0 million). 
(See Note 25: Related Party Transactions).

The  Company  has  accounted  for  the  remaining  49.9%  ownership  in  River  Box  using  the  equity  method.  (See  Note  18: 
Investment in Associated Companies).

10.

OTHER FINANCIAL ITEMS, NET

Other financial items comprise the following items:

(in thousands of $)

Year ended December 31,

2021

2020

Net payments on non-designated derivatives relating to interest rate swaps

(6,707)   

(4,575)   

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

Allowance for expected credit losses

Impairment of long-term receivables

Other items

Total other financial items, net

2019

1,389 

— 

(8)   

(6)   

— 

— 

(6,715)   

(152)   

(194) 

(4,539)   

(9,272)   

— 

1,195 

11,607 

(15,314)   

(4,123) 

(16)   

5 

— 

— 

11,591 

722 

— 

1,085 

6,683 

(5,124)   

(20,433)   

(1,771)   

— 

5,531 

673 

(3,450) 

— 

(9,168) 

(1,330) 

(25,945)   

(12,753) 

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, cross currency interest rate swaps and cross currency 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, 2021, includes $0.0 
million (2020: $1.1 million; 2019: $0.0 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. 

F-25

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other  items  in  the  year  ended  December  31,  2021,  includes  an  equity  distribution  of  $2.6  million  from  the  Norwegian 
Shipowners’ Mutual War Risks Insurance Association ("DNK"). The total equity distribution paid by DNK to its members was 
made in proportion to premiums paid over a 10-year period.

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.  During  the  year  ended  December  31,  2021,  the  Company  recorded  a 
decrease in the credit loss provision of $0.7 million. (See Note 27: 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"). 

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 against it. During the year ended December 31, 2019, the Company also recorded an impairment 
charge of long term receivables of $0.9 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, 2021, include a net loss of $0.4 million arising from foreign currency translations 
(2020:  gain  of  $5.6  million;  2019:  gain  of  $0.3  million).  Other  items  also  include  bank  charges  and  fees  relating  to  loan 
facilities.

F-26

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
Additions during the year
Unrealized (loss)/gain recorded in other comprehensive income
Accumulated other-than-temporary impairment*
Balance at end of the year

Equity Securities
Balance at start of the year
Disposals during the year
Unrealized gain /(loss)*
Realized gain*
Foreign currency translation loss
Balance at the end of year

Total Investment in Debt and Equity Securities

Equity Securities pledged to creditors

2021

2020

9,431
1,350  
(284)
(817)
9,680 

19,374
(9,608)
1,087
725
(48)
11,530

12,753
1,287 
279
(4,888) 
9,431 

61,326
(23,661)
(22,428)
4,864
(727)
19,374

21,210

28,805

10,238  

9,007 

*Balances included in "Gain/(loss) 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".

(in thousands of $)

NorAm Drilling

NT Rig Holdco 12%
NT Rig Holdco 7.5%
Total corporate bonds

Year ended December 31, 2021
Unrealised 
gains/ (losses)*

Amortised 
Cost

Fair value

Year ended December 31, 2020
Unrealised 
gains/ (losses)*

Amortised 
Cost

Fair value

4,132 

4,917 
— 

9,049 

487 

144 
— 

631 

4,619 

5,061 
— 

9,680 

4,132 
3,567 
817 

8,516 

511 
404 
— 

915 

4,643 
3,971 
817 

9,431 

NorAm Drilling Company AS ("NorAm Drilling") 

During  the  year  ended  December  31,  2021,  the  Company  recognized  an  unrealized  gain  of  $0.0  million  in  Other 
Comprehensive Income (2020: $0.0 million; 2019: $0.1 million) in relation to NorAm Drilling bonds. 

Oro Negro Drilling Pte. Ltd ("Oro Negro") and NT Rig Holdco ("NT Rig Holdco")

During the year ended December 31, 2021, the Company acquired additional NT Rig Holdco Liquidity 12% bonds for a total 
purchase price of $1.4 million (2020: $1.3 million).

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. 

F-27

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In the year ended December 31, 2021, the Company recognized an unrealized loss of $0.3 million (2020: gain $0.4 million) in 
respect of the NT Rig Holdco 12% Bonds and an unrealized gain of $0.0 million (2020: $0.0 million) in respect of the NT Rig 
Holdco 7.5% Bonds. In June 2021, an impairment loss of $0.8 million (2020: $4.3 million) was recorded in the Consolidated 
Statement of Operations in relation to the NT Rig Holdco 7.5% Bonds.

Equity Securities

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

2021

10,238

1,292

— 

11,530 

2020

9,007

1,484

8,883

19,374

*As of December 31, 2021, the carrying value of the shares held in Frontline Ltd. (“Frontline”) pledged to creditors is $10.2 
million (2020: $9.0 million). 

Frontline Shares

As  of  December  31,  2021,  the  Company  held  approximately  1.4  million  shares  (2020:  1.4  million  shares)  in  Frontline.  (See 
Note 25: Related Party Transactions).

In December 2019, the Company entered into a forward contract to repurchase approximately 3.4 million shares of Frontline on 
June 30, 2020 for $36.8 million. During the year ended December 31, 2020, the Company repurchased and simultaneously sold 
approximately 2.0 million shares in Frontline for total proceeds of $21.1 million and recorded realized gains of $2.3 million in 
the Statement of Operations in respect of the sales.

As of December 31, 2020, the Company had a forward contract, with an initial expiration date in January 2021, to repurchase 
1.4 million shares of Frontline at a repurchase price of $16.2 million including deemed interest. During 2021, the Company has 
continuously renewed the forward contract and as of December 31, 2021, the Company had a forward contract, which expired 
in January 2022, to repurchase 1.4 million shares of Frontline, at a repurchase price of $16.4 million including accrued interest. 
This  forward  contract  related  to  1.4  million  shares  has  subsequently  been  rolled  over  to  July  2022,  at  a  repurchase  price  of 
$16.6 million including deemed accrued interest. These transactions have been accounted for as secured borrowing, with the 
shares retained in 'Marketable Securities pledged to creditors' and a liability recorded as of December 31, 2021 within debt for 
$15.6 million (2020: $15.6 million). (See also Note 21: Short-Term and Long-Term Debt). 

In the year ended December 31, 2021, the Company recognized a fair value adjustment gain of $1.2 million (2020: loss $16.0 
million; 2019: gain $25.0 million) in the Statement of Operations.

NorAm Drilling 

As of December 31, 2021 the Company held approximately 1.3 million shares (2020: 1.3 million) in NorAm Drilling which 
traded in the Norwegian Over the Counter market ("OTC"). The Company recognized a mark to market loss of $0.1 million 
(2020: loss $2.5 million, 2019: gain $0.4 million) in the Statement of Operations in the year ended December 31, 2021, together 
with a foreign exchange loss of $0.0 million (2020: $0.3 million; 2019: $0.0 million) in Other Financial Items in the Statement 
of Operations. (See also Note 25: Related Party Transactions).

ADS Maritime Holding

In 2018 the Company had acquired 4 million shares in ADS Maritime Holding Plc, formerly known as ADS Crude Carriers Plc 
(“ADS  Maritime  Holding”)  for  a  total  consideration  of  $10  million.  (See  Note  25:  Related  Party  Transactions).  In  the  year 
ended December 31, 2021, the Company recognized a mark to market gain of $0.0 million (2020: loss $3.9 million, 2019: gain 
$3.7 million) in the Statement of Operations, along with a foreign exchange gain of $0.0 million (2020: loss $0.4 million, 2019: 
gain $0.3 million) in Other Financial Items in the Statement of Operations.

F-28

 
 
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, recognizing a gain of $0.7 million on disposal.

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, alongside 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).

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 (2020: $0.0 million) and expected credit losses relating to trade accounts receivable was $0.1 
million as of December 31, 2021 (2020: $0.0 million). As of December 31, 2021, 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 
Note 27: 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 (2020: $0.0 million) 
and the allowance for expected credit losses relating to other receivables was $0.5 million as of December 31, 2021 (2020: $0.9 
million). (See also Note 27: Allowance for Expected Credit Losses).

13.

VESSELS AND EQUIPMENT, NET

 Movements in the year ended December 31, 2021 summarized as follows:

(in thousands of $)

Balance as of December 31, 2020

Depreciation 

Vessel additions

Capital improvements

Transfer from associated companies

Vessel disposals
Reclassification from/(to) investments in sales-type/
direct financing leases and leaseback assets
Balance as of December 31, 2021

Cost

Accumulated 
Depreciation

Vessels and Equipment, 
net

1,693,171   

—   

519,181   

14,400   

268,630   

(68,107)  

355,634   

2,782,909   

(452,473)  

(97,022)  

—   

—   

(7,079)  

4,248   

—   

(552,326)  

1,240,698 

(97,022) 

519,181 

14,400 

261,551 

(63,859) 

355,634 

2,230,583 

During the year ended December 31, 2021, the Company purchased one 5,300 Twenty-foot Equivalent Unit ("TEU") container 
vessel, two 6,800 TEU container vessels, two 14,000 TEU container vessels, one Suezmax tanker and two LR2 product tankers 
for a total acquisition price of $519.2 million. Upon delivery, the vessels immediately commenced their long term charters.

F-29

 
 
 
 
 
 
 
 
 
 
During the year ended December 31, 2021, one drilling unit (West Linus), previously recorded as a direct financing lease, was 
reclassified  to  vessels  and  equipment  at  the  carrying  value  of  $355.6  million.  The  drilling  unit  is  held  by  a  wholly  owned 
subsidiary of the Company (SFL Linus Ltd) and is leased to a subsidiary of Seadrill Limited (“Seadrill”), a related party. The 
reclassification occurred on March 9, 2021, following approval by the applicable bankruptcy court of the Interim Funding and 
Settlement Agreement signed between the Company and Seadrill, allowing Seadrill to pay reduced charter hire for West Linus 
during the interim period. The change in rate met the definition of a modification resulting in the lease being reclassified from a 
direct financing lease to an operating lease. (Refer to Note 17: Investment in Sales-Type Leases, Direct Financing Leases and 
Leaseback Assets and Note 18: Investment in Associated Companies).

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  17:  Investment  in  Sales-Type  Leases, 
Direct Financing Leases and Leaseback Assets).

The  capital  improvements  of  $14.4  million  (2020:  $52.7  million)  relate  to  exhaust  gas  cleaning  systems  ("EGCS"  or 
"scrubbers") and ballast water treatment systems ("BWTS") installed on 10 vessels (2020: 16 vessels) during the year ended 
December 31, 2021. 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 $97.0 million for the year ended December 31, 2021 (2020: $71.3 
million; 2019: $80.3 million). 

In  August  2021,  the  Company  consolidated  the  wholly  owned  subsidiary  owning  the  drilling  unit  West  Hercules  that  was 
previously accounted for using the equity method of accounting. (Refer to Note 18: Investment in Associated Companies). As a 
result, the carrying value of the drilling unit of $261.6 million, was recognized in Vessels and Equipment, net.

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 18: 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. In September 2021, the rig was sold to a ship recycling facility 
in Turkey. During the year ended December 31, 2021, the Company recorded an impairment loss of $1.9 million (2020: $252.6 
million) prior to disposal and a loss on sale of $0.6 million was recognized in the Consolidated Statement of Operations. (Refer 
to Note 8: Gain on Sale of Assets).

No  impairment  losses  were  recorded  during  the  year  ended  December  31,  2021,  other  than  the  West  Taurus  impairment 
described  above.  In  the  year  ended  December  31,  2020,  we  recorded  further  impairment  losses  of  $80.3  million  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). 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, 2021, the Company entered into agreements to sell seven Handysize bulk carriers to an 
unrelated  party  based  in  Asia.  The  vessels  were  delivered  to  the  buyer  in  the  fourth  quarter  of  2021  and  the  Company 
recognized a net gain on disposal of $39.3 million. (Refer to Note 8: Gain on Sale of Assets).

During  the  year  ended  December  31,  2020,  the  Company  sold  five  offshore  support  vessels  and  recorded  a  net  gain  of  $0.9 
million in connection with the disposals. (Refer to Note 8: Gain on Sale of Assets). 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 17: Investment in Direct Financing, Sales-Type and Leaseback Assets). No vessel disposals took place in the year ended 
December 31, 2019.

F-30

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 items. 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. (Refer to 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 17: Investment in Sales-Type Leases, Direct Financing 
Leases and Leaseback Assets and Note 15: Vessels under Finance Lease, net.

14.

NEWBUILDINGS AND VESSEL PURCHASE DEPOSITS

During the year ended December 31, 2021, the Company paid total installments of $14.9 million in relation to two dual-fuel 
7,000  Car  Equivalent  Unit  ("CEU")  newbuilding  car  carriers,  currently  under  construction.  The  vessels  are  expected  to  be 
delivered in 2023 and will immediately commence a 10-year period time charter with Volkswagen Group.

During  the  year  ended  December  31,  2021,  the  Company  paid  total  installments  of  $31.2  million  in  relation  to  another  two 
dual-fuel 7,000 CEU newbuilding car carriers, currently under construction. The vessels are expected to be delivered in 2024 
and will immediately commence a 10-year period time charter with Kawasaki Kisen Kaisha Ltd. (“K Line”).

Also during the year ended December 31, 2021, the Company paid a deposit of $11.0 million in connection with the acquisition 
of  two  Suezmax  tankers.  The  vessels  were  delivered  in  January  and  February  2022  and  immediately  commenced  a  5-year 
period time charter with Trafigura Maritime Logistics Pte. Ltd (“Trafigura”). (See Note 30: Subsequent Events).

There were no amounts recognized in relation to newbuildings and vessel purchase deposits as of December 31, 2020.

15.

VESSELS UNDER FINANCE LEASE, NET

Movements in the year ended December 31, 2021 summarized as follows:

(in thousands of $)
Balance as of December 31, 2020

Depreciation 

Balance as of December 31, 2021

Cost

777,939   

—   

777,939   

Accumulated 
Depreciation

Vessels under Finance 
Lease, net

(80,559)  

(41,308)  

(121,867)  

697,380 

(41,308) 

656,072 

As  of  December  31,  2021,  seven  vessels  were  accounted  for  as  vessels  under  finance  lease,  made  up  of  four  14,000  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 $41.3 million for the year ended December 31, 2021 
and is included in depreciation in the consolidated statements of operations. (2020: $40.0 million; 2019: $36.1 million).

F-31

 
 
 
16. 

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

Other

Total other long-term assets

2021  

591 

10,368 

7,607 

566 

19,132 

2020 

10,099 

398 

10,503 

961 

21,961 

Capital  improvements  in  progress  comprises  of  advances  paid  and  costs  incurred  in  respect  of  vessel  upgrades  in  relation  to 
EGCS  and  BWTS  on  three  vessels  (2020:  11  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, 2021, the Company transferred costs of $14.4 million in 
respect of 10 vessels (2020: $52.7 million in respect of 16 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. A value of $18.0 million was assigned to these charters in 2018. In the year ended 
December 31, 2021 the amortization charged to time charter revenue was $2.9 million (2020: $2.9 million; 2019: $2.9 million).

Other long term assets previously included $1.9 million in receivables relate to 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 a net balance of $0.0 
million as of December 31, 2020. There was no movement to the foregoing during the year ended December 31, 2021.

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 move adversely. 

 17. 

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

2021

147,230 

57,536 
204,766 

2020

592,102 

85,441 
677,543 

As of December 31, 2021, the Company had a total of 12 vessel charters accounted for as sales-type and direct financing leases 
(2020: 28 vessels) and one vessel charter classified as leaseback assets (2020: four vessels).

F-32

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Investments in sales-type and direct financing leases

As  of  December  31,  2021,  the  Company  had  two  VLCC  crude  tankers  accounted  for  as  direct  financing  leases  (2020:  two 
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  five  years  as  of  December  31,  2021.  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. 

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  Note  25:  Related  Party 
Transactions). 

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 Note 25: Related Party Transaction).

As of December 31, 2020, the Company had 15 container vessels accounted for as direct financing leases which were chartered 
on long-term bareboat charters to MSC Mediterranean Shipping Company S.A. ("MSC"). The terms of the charters for the 15 
container vessels provided 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. During the year ended December 31, 2021, the 15 container vessels were 
sold and redelivered to MSC, following exercise of the applicable purchase options. (Refer to Note 8: Gain on Sale of Assets).

As of December 31, 2021, the Company had 10 (2020: 10) container vessels accounted for as a sales-type leases, all of which 
are on long-term bareboat charters to MSC. The terms of the charters for the 10 container vessels provide 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, 
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. On March 9, 2021, the applicable bankruptcy court 
approved the Interim Funding and Settlement Agreement signed between the Company and Seadrill, allowing Seadrill to pay 
reduced charter hire for West Linus during the interim period. The change in charter rate met the definition of a modification 
resulting in the lease being reclassified from a direct financing lease to an operating lease. A carrying value of $355.6 million 
was  included  in  vessels  and  equipment  in  respect  of  the  rig.  (Refer  to  Note  13:  Vessels  and  Equipment,  net  and  Note  18: 
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 Note 18: Investment in Associated Companies).

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 had purchase options throughout the term of the charters and the Company had a put option at the end of the six-year 
period.  During  the  year  ended  December  31,  2021,  the  three  container  vessels  were  sold  and  redelivered  to  MSC,  following 
exercise of the applicable purchase options. (Refer to Note 8: Gain on Sale of Assets).

Additionally,  the  Company  entered  into  purchase  and  leaseback  transactions  to  acquire  three  newbuilding  VLCC  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  VLCCs  to  the 
Hunter  Group,  following  exercise  of  options.  Net  proceeds  of  $176.2  million  were  received  and  debt  of  $142.5  million  was 
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  of 
December 31, 2021 and December 31, 2020:

(in thousands of $)

December 31, 2021

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

Leaseback 
Assets

Total

120,411   

43,103   

163,514 

(34,128)  

86,283   

79,621   

—   

(34,128) 

43,103   

31,500   

129,386 

111,121 

(17,532)  

(16,946)  

(34,478) 

148,372   

57,657   

206,029 

(1,142)  

(121)  

(1,263) 

147,230   

18,436   

128,794   

57,536   

204,766 

5,048   

23,484 

52,488   

181,282 

F-34

 
 
 
 
 
 
 
 
 
 
(in thousands of $)

December 31, 2020

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

*See Note 27: Allowance for Expected Credit Losses.

Sales-Type 
Leases and 
Direct 
Financing 
Leases

Leaseback 
Assets

Total

705,196   

79,786   

784,982 

(40,698)  

664,498   

79,621   

—   

(40,698) 

79,786   

31,500   

744,284 

111,121 

(147,876)  

(25,596)  

(173,472) 

596,243   

85,690   

681,933 

(4,141)  

(249)  

(4,390) 

592,102   

45,888   

546,214   

85,441   

677,543 

9,532   

55,420 

75,909   

622,123 

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, 2021, are as follows:

(in thousands of $)

Year ending December 31,

2022

2023

2024

2025

2026
Thereafter

Sales-Type 
Leases and 
Direct 
Financing 
Leases
29,264   
29,088   
25,519   
19,341   
14,400   
2,799   

Leaseback 
Assets

8,942   
8,162   
7,686   
7,665   
7,665   
2,983   

Total

38,206 
37,250 
33,205 
27,006 
22,065 
5,782 

Total minimum lease payments to be received

120,411   

43,103   

163,514 

The  above  minimum  lease  revenues  includes  $74.8  million  related  to  the  two  VLCCs  leased  to  Frontline  Shipping  as  of 
December 31, 2021. (See Note 25: Related Party Transactions).

Interest  income  earned  on  investments  in  direct  financing  leases,  sales  type  leases  and  leaseback  assets  in  the  year  ended 
December 31, 2021 was as follows:

(in thousands of $)

Investments in sales type and direct financing leases*
Investments in leaseback assets 
Total 

2021

14,173 
5,351 
19,524 

2020

57,579 
13,637 
71,216 

2019

56,764 
3,556 
60,320 

* Interest income earned on investments in sales-type leases and direct financing leases in the above table includes $1.5 million 
in relation to Frontline Shipping, a related party (2020: $1.7 million; 2019: $3.8 million).

F-35

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
18. 

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.

As of December 31, 2021, 2020 and 2019, 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

2021

 49.90 %

*

*

*

2020

 49.90 %

*

 100.00 %

*

2019

†

 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 Hercules Ltd ("SFL Hercules") and SFL Linus Ltd ("SFL Linus") each own the drilling units West Hercules and West 
Linus respectively. These units are leased to subsidiaries of Seadrill, a related party. SFL Deepwater Ltd ("SFL Deepwater") 
owned  the  drilling  unit  West  Taurus,  which  was  also  on  charter  to  a  subsidiary  of  Seadrill  until  the  first  quarter  of  2021. 
Because the main assets of SFL Deepwater, SFL Hercules and SFL Linus were 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, 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. 

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 units. 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 was 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.  Any  excess  amounts  paid  pursuant  to  the  above  referenced  sub-charters  will  remain  in  Seadrill's  earnings 
accounts, that are pledged to SFL and its financing banks.

F-36

 
 
 
In August 2021, the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) with 
subsidiaries of Seadrill for the harsh environment semi-submersible rig West Hercules. Under the amendment agreement with 
Seadrill, the West Hercules is contracted to be employed with an oil major until the second half of 2022 (the “charter period”), 
prior to being redelivered to SFL in Norway. Pursuant to the amendment agreement, SFL has agreed to receive bareboat hire of 
(i)  approximately  $64,700  per  day  until  Seadrill  emerges  from  Chapter  11  and  its  plan  of  reorganization  (the  “Plan”)  is 
confirmed by the court (the “Emergence Date”), and (ii) following the Emergence Date, approximately $60,000 per day while 
the  rig  is  employed  under  a  contract  and  generating  revenues  for  Seadrill  and  approximately  $40,000  in  all  other  scenarios, 
including when the rig is idle or undergoing mobilization or demobilization. Pursuant to the amendment agreement, Seadrill has 
agreed  to  fund  the  mobilization  and  demobilization  of  the  rig,  which  is  expected  to  occur  during  the  charter  period.  Seadrill 
obtained bankruptcy court approval of the amendment agreement on August 27, 2021, which was a condition precedent to the 
effectiveness to the amendment agreement. Each of SFL’s financing banks consented to the amendment agreement, and SFL’s 
limited  corporate  guarantee  of  the  outstanding  debt  of  the  rig  owning  subsidiary  remains  unchanged  at  $83.1  million. 
Additionally, SFL agreed to a cash contribution of $5 million to the SFL Hercules's pledged earnings account at the time of 
redelivery following the termination of the Seadrill charter, in addition to a $3 million payable by Seadrill. 

Following these amendments, SFL Hercules is in compliance with its debt covenants.

On October 26, 2021, Seadrill announced that its plan of reorganization was confirmed by the U.S. Bankruptcy Court for the 
Southern  District  of  Texas.  On  February  22,  2022,  Seadrill  announced  that  it  has  emerged  from  its  Chapter  11  process  after 
successfully completing its reorganization.

In February 2022, the Company agreed to make changes to the chartering and management structure of the harsh environment 
jack-up  drilling  rig  West  Linus.  The  rig  was  delivered  in  2014,  and  is  currently  operated  by  a  subsidiary  of  Seadrill  and 
employed on a long-term drilling contract with ConocoPhillips Skandinavia AS (“ConocoPhillips”) in the North Sea until the 
fourth quarter of 2028.

The  Company,  Seadrill  and  ConocoPhillips  reached  an  agreement  in  which  the  drilling  contract  with  ConocoPhillips  is 
expected to be assigned from the current operator to one of the subsidiaries of the Company, upon the new operator receiving 
necessary regulatory approvals. Upon effective assignment of the drilling contract, SFL will receive charter hire from the rig 
and pay for operating and management expenses. 

SFL  has  simultaneously  entered  into  an  agreement  for  the  operational  management  of  the  rig  with  a  subsidiary  of  Odfjell 
Drilling  Ltd.  (“Odfjell”),  a  leading  harsh  environment  drilling  rig  operator.  The  change  of  operational  management  from 
Seadrill to Odfjell is subject to customary regulatory approvals relating to operations on the Norwegian Continental Shelf.

Until the approvals are in place, Seadrill will continue the existing charter arrangements for a period of up to approximately 
nine months. The bareboat charter rate from Seadrill in this transition period will be approximately $55,000 per day.

For a discussion of certain operating, environmental and other risks relating to the rigs, please refer to the risk factors section 
(See Item 3D).

The lease to West Taurus was rejected by the court in March 2021 and the rig was redelivered by Seadrill to SFL in the second 
quarter  of  2021.  In  March  2021,  the  Company  signed  an  agreement  for  the  recycling  of  the  rig  at  a  facility  in  Turkey  and 
delivered  the  rig  to  the  recycling  facility  in  September  2021.  The  asset  was  derecognized  on  disposal  and  a  net  loss  of 
$0.6 million was recorded in relation to the recycling of the rig. (Refer to Note 8: Gain on Sale of Assets).

During the year ended December 31, 2021, and following amendments to the West Hercules bareboat charter and loan facility 
agreements, SFL Hercules was determined to no longer be a variable interest entity and was consolidated from August 27, 2021 
when the amendments were approved by the applicable bankruptcy court. With regards to SFL Linus and SFL Deepwater, the 
Company  was  determined  to  be  the  primary  beneficiary  of  the  two  subsidiaries  in  October  2020,  following  changes  to  their 
financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  two  subsidiaries  were 
consolidated by the Company as explained further below.

F-37

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).  Following  the  transfer,  SFL  Deepwater  held  one  ultra-deepwater  drilling  rig  which  was  leased  to  Seadrill 
Deepwater  Charterer  Ltd  until  March  2021.  As  described  above,  the  rig  was  sold  for  recycling  during  the  year  ended 
December  31,  2021.  In  October  2013,  SFL  Deepwater  entered  into  a  $390  million  five-year  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. As of December 31, 2021, the 
balance outstanding under the facility was $0.0 million (2020: $0.0 million).

SFL  Linus  is  a  100%  owned  subsidiary  of  SFL,  acquired  in  2013  from  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-year 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 and the balance outstanding under this facility of 
$216.0 million was consolidated by the Company 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. 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. In May 2013, SFL Hercules entered into a $375 million six-year 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. In the year ended December 31, 2021, and following 
amendments  to  the  bareboat  charter  and  loan  facility  agreements,  SFL  Hercules  was  determined  to  no  longer  be  a  variable 
interest entity and the balance outstanding under this facility as of August 27, 2021 of $175.0 million was consolidated by the 
Company together with the other assets and liabilities of SFL Hercules. 

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)

As of December 31, 2021

TOTAL

River Box

13,987 

247,361 

261,348 

13,242 

231,471 

244,713 

16,635 

 49.90 %

13,987 

247,361 

261,348 

13,242 

231,471 

244,713 

16,635 

F-38

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(in thousands of $)

Share presented

Current assets

Non-current assets

Total assets

Current liabilities

Non-current liabilities (1)

Total liabilities

Total stockholders' equity (2)

As of December 31, 2020

TOTAL

River Box

SFL Hercules

 49.90 %

 100.00 %

34,763 

513,918 

548,681 

199,255 

322,129 

521,384 

27,297 

12,475 

258,865 

271,340 

12,569 

243,219 

255,788 

15,552 

22,288 

255,053 

277,341 

186,686 

78,910 

265,596 

11,745 

(1) River Box non-current liabilities as of December 31, 2021, include $45.0 million due to SFL. (See Note 25: Related Party 
Transactions).  As  of  December  31,  2020  River  Box  and  SFL  Hercules  non-current  liabilities  include  $45.0  million  and 
$78.9 million respectively. (See Note 25: Related Party Transactions).

(2) In the year ended December 31, 2021, River Box paid a dividend of $2.2 million to the Company, whilst SFL Hercules did 

not pay any dividends. In 2020 and 2019, 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)

(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, 2021

TOTAL
33,868 
26,652 
4,194 

River Box
20,115 
20,094 
3,267 

SFL Hercules
13,753 
6,558 
927 

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 

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 

SFL 
Linus
18,666 
18,590 
6,461 

SFL 
Linus
26,798 
26,798 
9,086 

(3) The net income of River Box and SFL Hercules for the year ended December 31, 2021, includes interest payable to SFL 
amounting to $4.6 million and $2.4 million respectively. The net income of River Box, SFL Deepwater, SFL Hercules and 
SFL Linus for 2020 includes interest payable to SFL amounting to $0.0 million, $3.8 million (2019: $5.1 million), $3.6 
million  (2019:  $3.6  million),  and  $4.5  million  (2019:  $5.4  million),  respectively.  (See  Note  25:  Related  Party 
Transactions).

As required by ASU 2016-13 'Financial Instruments - Credit Losses' from January 2020, the associated companies 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. 

F-39

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Movements in the year ended December 31, 2021, in the allowance for expected credit losses can be summarized as follows:

(in thousands of $)

Share presented

Balance as of December 31, 2020

Reclassification to owned vessels within the associate

Transferred from associates

Allowance recorded in net income of associated company

Balance as of December 31, 2021

As of December 31, 2021

TOTAL

River Box

SFL Hercules 

3,421 

(1,896)   

(569)   

(560)   

396 

 49.90 %

786 

— 

— 

(390) 

396 

2,635 

(1,896) 

(569) 

(170) 

— 

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.

In the year ended December 31, 2021, River Box paid a dividend of $2.2 million to the Company whilst SFL Hercules did not 
pay any dividends. In 2020 and 2019, River Box, SFL Deepwater, SFL Hercules and SFL Linus did not pay any dividends.

19. 

ACCRUED EXPENSES

(in thousands of $)
Vessel operating expenses
Administrative expenses
Interest expense

20. 

OTHER CURRENT LIABILITIES

(in thousands of $)
Deferred and prepaid charter revenue
Employee taxes
Other items

2021
11,278 
1,626 
6,890 
19,794 

2021
21,505 
35 
1,206 
22,746 

2020
12,841 
1,603 
6,616 
21,060 

2020
15,156 
34 
895 
16,085 

F-40

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 21.

SHORT-TERM AND LONG-TERM DEBT

(in thousands of $)

Long-term debt:

5.75% senior unsecured convertible bonds due 2021

NOK700 million senior unsecured floating rate bonds due 2023

4.875% senior unsecured convertible bonds due 2023

NOK700 million senior unsecured floating rate bonds due 2024

NOK600 million senior unsecured floating rate bonds due 2025

7.25% senior unsecured sustainability-linked bonds due 2026

Lease debt financing

Borrowings secured on Frontline shares

U.S. dollar denominated floating rate debt due through 2029

Total debt principal

Less: unamortized debt issuance costs

Less: current portion of long-term debt

Total long-term debt

The outstanding debt as of December 31, 2021, is repayable as follows:

2021

2020

— 

79,507 

137,900 

78,939 

61,334 

150,000 

126,955 

15,639 

1,253,481 

1,903,755 

212,230 

81,572 

139,900 

80,989 

62,927 

— 

— 

15,639 

1,070,137 

1,663,394 

(14,541)   

(14,325) 

(302,769)   

(484,956) 

1,586,445 

1,164,113 

Year ending December 31,

(in thousands of $)

2022

2023

2024

2025

2026

Thereafter

Total debt principal

Interest rate information

302,769 

672,974 

350,226 

304,687 

170,247 

102,852 

1,903,755 

Weighted average interest rate*
US Dollar LIBOR
Norwegian Interbank Offered Rate ("NIBOR")

December 31, 2021
 2.68 %

December 31, 2020
 2.91 %

 0.21 %
 0.95 %

 0.24 %
 0.49 %

*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.

$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 then related to the remaining seven vessels. The facility was supported 
by China Export & Credit Insurance Corporation, or SINOSURE, which provided an insurance policy in favor of the banks for 
part of the outstanding loan. The facility bore interest at LIBOR plus a margin and had a term of approximately 10 years from 
delivery of each vessel. During the year ended December 31, 2021, the seven Handysize dry bulk carriers were sold. Two of the 
vessels were delivered in October 2021 and five were delivered in December 2021 and the facility was fully repaid. The net 
amount outstanding as of December 31, 2021, was $0.0 million (2020: $53.2 million).

F-41

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
$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. During June 2021 the terms of the loan were further amended and the loan was extended by a further four years. As 
of December 31, 2021, the available amount under the revolving part of the facility was $0.0 million (2020: $0.0 million). The 
net amount outstanding as of December 31, 2021, was $42.5 million (2020: $45.0 million).

$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 as of December 31, 2021, was $15.6 million (2020: $17.3 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 
as of December 31, 2021, was $19.4 million (2020: $21.8 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 as of 
December 31, 2021 was $76.3 million (2020: $90.1 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  had  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.  In  February  and  April  2021  the  portions  of  the  facility  relating  to  the  remaining  two 
subsidiaries matured and the facility was repaid in full. The net amount outstanding as of December 31, 2021 was $0.0 million 
(2020: $99.5 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 
was fixed at 5.75% per annum and was payable in cash quarterly in arrears on January 15, April 15, July 15 and October 15. 
The  bonds  were  convertible  into  SFL  Corporation  Ltd.  common  shares  and  matured  on  October  15,  2021.  At  this  date  the 
Company  redeemed  the  full  outstanding  amount  of  $144.7  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  was  adjusted  for  dividends  in  excess  of  $0.225  per  common  share  per  quarter.  Since  the  issuance,  dividend 
distributions had increased the conversion rate to 65.8012 common shares per $1,000 bond, equivalent to a conversion price of 
approximately  $15.20  per  share  at  the  maturity  of  the  bond.  The  conversion  right  was  not  worth  more  than  par  value  of  the 
instrument and the bonds were fully satisfied in cash without any conversion into shares having taken place. In the year ended 
December 31, 2021 the Company purchased bonds with principal amounts totaling $67.6 million (2020: $0.0 million). A loss of 
$0.9 million was recorded on the transaction (2020: $0.0 million). The net amount outstanding as of December 31, 2021 was 
$0.0 million (2020: $212.2 million).

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. In December 2021, after the bond was redeemed, the loaned shares were 
transferred to another party under a general share lending agreement. (See Note 23: Share Capital, Additional Paid-In Capital 
and Contributed Surplus).

F-42

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 $0.5 million in the year ended December 31, 2021 (2020: $0.8 million). As a 
result of the purchase of bonds with principal amounts totaling $67.6 million (2020: $0.0 million), a total of $0.4 million (2020: 
$0.0 million) was allocated as the reacquisition of the equity component. The balance remaining in equity as of December 31, 
2021 was $3.6 million (2020: $4.0 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 tankers. The two product tankers 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. As of 
December 31, 2021, the net amount outstanding was $53.9 million (2020: $59.1 million).

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 as of December 31, 2021 was $137.9 
million (2020: $139.9 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 77.5267 common shares per $1,000 bond, equivalent to a conversion price of approximately $12.90 per 
share. Based on the closing price of our common stock of $8.15 on December 31, 2021, the if-converted value was less than the 
principal  amounts  by  $52.5  million.  In  January  2021,  the  Company  purchased  bonds  with  principal  amounts  totaling  $2.0 
million (2020: $8.4 million). A gain of $0.2 million was recorded on the transaction (2020: 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 of December 31, 2021, 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 $1.4 million in the year ended December 31, 2021 (2020: $1.3 million). As a 
result of the purchase of bonds with principal amounts totaling $2.0 million (2020: $8.4 million), a total of $0.1 million (2020: 
$0.3 million) was allocated as the reacquisition of the equity component. The balance remaining in equity as of December 31, 
2021 was $6.7 million (2020:$6.8 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 had provided a corporate guarantee for this facility, which bore interest at LIBOR plus a margin and had a term of 
seven  years.  During  the  year  ended  December  31,  2021,  purchase  options  were  exercised  on  the  15  feeder  size  container 
vessels.  The  vessels  were  delivered  between  August  and  September  2021,  and  the  facility  was  fully  repaid.  The  net  amount 
outstanding as of December 31, 2021 was $0.0 million (2020: $34.1 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  as  of  December  31,  2021,  was 
NOK700 million, equivalent to $79.5 million (2020: NOK700 million, equivalent to $81.6 million).

F-43

$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 as 
of December 31, 2021, was $11.1 million (2020: $12.9 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 as of December 31, 2021, was $17.7 million (2020: $20.3 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 as of December 31, 2021, was $35.2 million (2020: $35.2 million).

$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 as of December 31, 2021, was 
$19.0 million (2020: $23.0 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.  In  the  year  ended  December  31,  2021  no  bonds  were  purchased.  The  net  amount  outstanding  as  of 
December 31, 2021 was NOK695 million equivalent to $78.9 million (2020: NOK695 million, equivalent to $81.0 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 as of December 31, 2021, was $25.3 million (2020: $28.8 
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.  In  the  year  ended  December  31,  2021  no  bonds  were  purchased.  The  net 
amount  outstanding  as  of  December  31,  2021  was  NOK540  million  equivalent  to  $61.3  million  (2020:  NOK540  million, 
equivalent to $62.9 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  as  of 
December 31, 2021, was $32.9 million (2020: $37.0 million).

F-44

$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 had provided a corporate guarantee for this facility, which 
bore interest at LIBOR plus a margin and with a term of approximately five years. During the year ended December 31, 2021, 
purchase options were exercised on the three container vessels. The vessels were delivered in August 2021, and the facility was 
fully repaid. The net amount outstanding as of December 31, 2021, was $0.0 million (2020: $12.8 million). 

$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 
as of December 31, 2021, was $146.6 million (2020: $165.5 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 as of December 31, 2021, was $45.8 million (2020: $48.6 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 as of December 31, 
2021, was $45.0 million (2020: $50.0 million).

$51 million term loan facility

In February 2021, a wholly-owned subsidiary of the Company entered into a $51 million term loan facility with a bank, secured 
against  a  container  vessel.  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 four years. The net amount outstanding as of December 31, 2021, was 
$47.7 million (2020: $0.0 million).

$51 million term loan facility

In April 2021, a wholly-owned subsidiary of the Company entered into a $51 million 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  as  of  December  31,  2021,  was 
$48.8 million (2020: $0.0 million).

7.25% senior unsecured sustainability-linked bonds due 2026

On May 12, 2021, the Company issued a senior unsecured sustainability-linked bond totaling $150 million in the Nordic credit 
market. The bonds bear quarterly interest at a fixed rate of 7.25% per annum and are redeemable in full on May 12, 2026. By 
the  maturity  date  of  the  bond,  the  Company  aims  to  have  committed  an  amount  at  least  equal  to  the  size  of  the  issue  on 
upgrades  of  existing  vessels  and/or  vessel  acquisitions.  The  net  amount  outstanding  as  of  December  31,  2021  was 
$150.0 million (2020: $0.0 million).

$134 million term loan facility

In September 2021, two wholly-owned subsidiaries of the Company entered into a $134 million term loan facility with a bank, 
secured against two container vessels. 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 three years. The net amount outstanding as of December 31, 
2021, was $130.4 million (2020: $0.0 million).

$35 million term loan facility

In  December  2021,  a  wholly-owned  subsidiary  of  the  Company  entered  into  a  $35  million  term  loan  facility  with  a  bank, 
secured  against  a  container  vessel.  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 seven years. The net amount outstanding as of December 31, 
2021, was $35.0 million (2020: $0.0 million). 

F-45

$107.3 million term loan facility

In  December  2021,  three  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $107.3  million  term  loan  facility  with  a 
bank, secured against three Suezmax tankers. As of December 31, 2021, only one of the three vessels had been delivered and 
the  portion  of  the  facility  relating  to  that  vessel  had  been  drawn  down.  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 as of December 31, 2021, was $35.8 million (2020: $0.0 million).

$475 million term loan and revolving credit facility 

SFL  Linus  was  consolidated  from  October  29,  2020.  (See  Note  18:  Investment  in  Associated  Companies).  In  October  2013, 
SFL  Linus  entered  into  a  $475  million  five-year  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. As of December 31, 2021, the balance outstanding under this facility was 
$199.9  million  (2020:  $216.0  million).  The  Company  fully  guaranteed  the  facility  as  of  December  31,  2021  (2020:  fully 
guaranteed). 

$375 million term loan and revolving credit facility 

SFL Hercules was consolidated from August 27, 2021. (See Note 18: Investment in Associated Companies). In May 2013, SFL 
Hercules entered into a $375 million six-year term loan and revolving credit facility with a syndicate of banks to partly finance 
the  acquisition  of  the  harsh  environment  semi-submersible  rig  West  Hercules,  previously  owned  by  the  wholly  owned 
subsidiary SFL Deepwater. The facility was drawn in June 2013. In connection with the 2017 Restructuring Plan of Seadrill, 
certain amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four 
years. In August 2021, the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) 
with  subsidiaries  of  Seadrill  for  West  Hercules,  which  was  approved  by  the  applicable  bankruptcy  court  in  September  2021. 
Each  of  SFL’s  financing  banks  consented  to  the  amendment  agreement,  and  SFL’s  limited  corporate  guarantee  of  the 
outstanding  debt  of  the  rig  owning  subsidiary  remains  unchanged  at  $83.1  million  as  of  December  31,  2021  (2020:  $83.1 
million). Additionally, SFL agreed to a cash contribution of $5 million to the SFL Hercules's pledged earnings account at the 
time  of  redelivery  following  the  termination  of  the  Seadrill  charter,  in  addition  to  a  $3  million  payable  by  Seadrill.  As  of 
December 31, 2021, the balance outstanding under this facility was $169.6 million which is now included in consolidated debt. 
As of December 31, 2020, the balance outstanding under this facility was $185.8 million and was recorded within a subsidiary 
accounted for using the equity method of accounting. (Refer to Note 18: Investment in Associated Companies). 

Lease debt financing 

In  September  2021,  the  wholly  owned  subsidiaries  of  the  Company  owning  the  two  newly  acquired  6,800  TEU  container 
vessels entered into sale and leaseback transactions for these vessels, via a Japanese Operating Lease with Call Option financing 
structure. The sales price for each vessel was $65 million, totaling $130 million. The vessels were leased back for a term of six 
years, with options to purchase each vessel at the end of the fifth and sixth year. The transaction did not qualify as a sale and 
has been recorded as a financing arrangement. The net amount outstanding as of December 31, 2021 was $127.0 million (2020: 
$0.0 million). The lease debt financing carries interest at a fixed rate of 2.5% per annum.

Borrowings secured on Frontline shares

As of 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  as  of  December  31,  2019. 
During  the  year  ended  December  31,  2020  the  Company  repurchased  2.0  million  shares  subject  to  the  forward  contract  and 
repaid $21.1 million of the secured borrowing. 

As of December 31, 2021, the Company had a forward contract which expired in January of 2022, to repurchase 1.4 million 
shares of Frontline at a repurchase price of $16.4 million including accrued interest. This contract has subsequently been rolled 
over to July 2022, at a repurchase price of $16.6 million. As of December 31, 2020, the Company had a forward contract which 
expired in January of 2021, to repurchase 1.4 million shares of Frontline at a repurchase price of $16.2 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 (2020: $15.6 million) recorded within debt as of December 31, 2021. 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 of December 31, 2021, $8.3 million (2020: $9.0 million) was held as collateral and recorded as 
restricted cash. 

F-46

The aggregate book value of assets pledged as security against borrowings as of December 31, 2021, was $2,310 million (2020: 
$1,864 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, 2021, the 
Company is in compliance with all of the covenants under its long-term debt facilities. 

22.

FINANCE LEASE LIABILITY

(in thousands of $)

Finance lease liability, current portion

Finance lease liability, long-term portion

2021

51,204 

472,996 
524,200 

2020

48,887 

524,200 
573,087 

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 Note 18: Investment in Associated Companies). 

In  2018,  the  Company  acquired  four  14,000  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.  (Refer  to  Note  15:  Vessels  under 
Finance Lease, net).

The Company's future minimum lease liability under the non-cancellable finance leases are as follows:

Year ending December 31,

(in thousands of $)

2022

2023

2024

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 

433,866 

— 
583,336 

(59,136) 

524,200 

(51,204) 

472,996 

Interest incurred on the finance lease liability in the year ended December 31, 2021 was $25.8 million (2020: $59.6 million; 
2019: $62.8 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.

F-47

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
23.

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, 2020: 300,000,000 
common shares of $0.01 par value each)

Issued and fully paid share capital is as follows:

(in thousands of $, except share data)
138,551,387 common shares of $0.01 par value each (December 31, 2020: 127,810,064 
common shares of $0.01 par value each)

The Company's common shares are listed on the New York Stock Exchange. 

2021

3,000 

2021

1,386 

2020

3,000 

2020

1,278 

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, 2021, the Company issued and sold 10.7 million shares under these arrangements and total 
proceeds of $89.4 million net of costs were received, resulting in a premium on issue of $89.3 million. 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.

In October 2021, the Company redeemed the full outstanding amount under the 5.75% senior unsecured convertible bonds due 
2021.  The  remaining  outstanding  principal  amount  of  $144.7  million  was  settled  in  cash.  The  bonds  were  convertible  into 
common shares. 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 had 
increased the conversion rate to 65.8012, equivalent to a conversion price of approximately $15.1973 per share, at maturity of 
the  bond.  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 $4.6 million and recorded as "Additional paid-in capital". (See Note 
21:  Short-Term  and  Long-Term  Debt).  During  the  year  ended  December  31,  2021,  the  Company  purchased  bonds  with 
principal amounts totaling $67.6 million (2020: $0.0 million). The equity component of these extinguished bonds was valued at 
$0.4 million (2020: $0.0 million) and has been deducted from "Additional paid-in capital". 

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 had 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. In December 2021, the Company entered into a general share lending agreement with another counterparty and the 
8,000,000 shares were transferred into their custody. It was determined that the transaction qualified for equity classification, 
and as of the date of inception and as of December 31, 2021 the fair value was determined to be nil.

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-48

 
 
 
 
 
The Company made a cash payment of $0.1 million in lieu of issuing shares under the Option Scheme, after the exercise of 
129,000 share options in the year ended December 31, 2021 (2020: 6,869 new shares issued to satisfy 17,500 options exercised 
and 2019: 18,246 new shares issued to satisfy 65,000 options exercised). 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 24: 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 14,000 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 21: Short-Term 
and  Long-Term  Debt).  During  the  year  ended  December  31,  2021,  the  Company  purchased  bonds  with  principal  amounts 
totaling $2.0 million (2020: $8.4 million). The equity component of these extinguished bonds was valued at $0.1 million (2020: 
$0.3 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. 

During the year ended December 31, 2021, $77.6 million of the dividend declared was paid from contributed surplus (2020:
$109.4 million).

24. 

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,  2021 
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, February 2020 and May 2021.

In May 2021, the Company awarded a total of 480,000 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 May 2022 onwards. The initial strike price was $8.79 per share. 

F-49

The following summarizes share option transactions related to the Option Scheme in 2021, 2020 and 2019: 

Options outstanding at beginning of year

Granted

Exercised

Forfeited

2021

2020

2019

Weighted 
average 
exercise 
price $

Weighted 
average 
exercise 
price $

Options

Options

10.56 

  835,000 

10.72 

  417,500 

8.79 

  350,000 

13.45 

  525,000 

7.48 

— 

(17,500)   

(85,000)   

8.63 

11.02 

(65,000)   

(42,500)   

Options

  1,082,500 

  480,000 

  (129,000)   

— 

Options outstanding at end of year

  1,433,500 

9.65 

  1,082,500 

10.56 

  835,000 

Weighted 
average 
exercise 
price $

11.43 

12.19 

9.92 

11.80 

10.72 

Exercisable at end of year

  578,500 

10.02 

  418,167 

9.45 

  236,167 

9.58 

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 2021 was $2.87 per share as of grant date (2020: $1.76; 2019: $2.68). The weighted average assumptions used to 
calculate  the  fair  values  of  the  new  options  granted  in  2021  were  (a)  risk  free  interest  rate  of  0.33%  (2020:  1.40%;  2019: 
2.36%); (b) expected share price volatility of 44.6% (2020: 21.6%; 2019: 25.0%); (c) expected dividend yield of 0% (2020: 0%; 
2019: 0%) and (d) expected life of options 3.5 years (2020: 2.0 years; 2019: 3.5 years).

The total intrinsic value of 129,000 options exercised in 2021 was $0.1 million on the day of exercise and the Company made a 
cash payment of $0.1 million in lieu of issuing shares under the Option Scheme. 

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. 

As  of  December  31,  2021,  there  are  578,500  options  fully  vested  but  not  exercised  (2020:  418,167  options;  2019:  236,167 
options)  and  their  intrinsic  value  amounted  to  $0.0  million  (2020:  $0.0  million;  2019:  $1.2  million).  The  weighted  average 
remaining term of the vested exercisable options is 2.0 years as of December 31, 2021.

As  of  December  31,  2021,  the  unrecognized  compensation  costs  relating  to  non-vested  options  granted  under  the  Option 
Scheme was $1.0 million (2020: $0.7 million; 2019: $0.8 million) and their intrinsic value amounted to $0.0 million (2020: $0.0 
million; 2019: $2.0 million). This cost will be recognized over the remaining vesting periods, which average 0.9 years (2020: 
0.7 years; 2019: 1.3 years).

During  the  year  ended  December  31,  2021,  the  Company  recognized  a  net  expense  of  $1.0  million  in  compensation  cost 
relating to the stock options (2020: $0.9 million; 2019: $0.8 million).

F-50

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
25. 

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

Seadrill

Golden Ocean 

Seatankers Management Co. Ltd. (“Seatankers”)

Front Ocean

NorAm Drilling

ADS Maritime Holding

Golden Close

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 17: Investments in Sales-Type Leases, Direct Financing 
Leases and Leaseback Assets). 

(in thousands of $)

Amounts due from:

Frontline Shipping

Frontline

Seadrill

Golden Ocean

Seatankers

River Box

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 Hercules

Total loans to related parties - associated companies, long-term

Amounts due to:

Frontline Shipping

Frontline

Golden Ocean

Other related parties

Total amount due to related parties

2021

2020

— 

3,633 

3,643 

4,453 

77 

5 

1 

2,875 

3,202 

3,613 

— 

— 

— 

2 

(3,255)   

8,557 

(1,974) 

7,718 

45,000 

†  

45,000 

45,000 

78,910 

123,910 

1,252 

2 

36 

5 

1,295 

836 

1,826 

23 

39 

2,724 

*See Note 3: Recently Issued Accounting Standards and Note 27: Allowance for Expected Credit Losses.

† From August 27, 2021, SFL Hercules ceased to be accounted for as an associate and became consolidated by the Company 
(see more details further below).

F-51

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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  18:  Investment  in 
Associated Companies).

SFL Hercules and SFL Linus Ltd each own the drilling units West Hercules and West Linus respectively. These units are leased 
to subsidiaries of Seadrill, a related party. SFL Deepwater owned the drilling unit West Taurus, which was also on charter to a 
subsidiary of Seadrill until the first quarter of 2021. Because the main assets of SFL Deepwater, SFL Hercules and SFL Linus 
were 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 18: 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 units. 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.  Any  excess  amounts  paid  pursuant  to  the  above  referenced  sub-charters  will  remain  in  Seadrill's  earnings 
accounts, that are pledged to SFL and its financing banks.

In August 2021, the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) with 
subsidiaries of Seadrill for the harsh environment semi-submersible rig West Hercules. Under the amendment agreement with 
Seadrill, the West Hercules is contracted to be employed with an oil major until the second half of 2022 (the “charter period”), 
prior to being redelivered to SFL in Norway. Pursuant to the amendment agreement, SFL has agreed to receive bareboat hire of 
(i)  approximately  $64,700  per  day  until  Seadrill  emerges  from  Chapter  11  and  its  plan  of  reorganization  (the  “Plan”)  is 
confirmed by the court (the “Emergence Date”), and (ii) following the Emergence Date, approximately $60,000 per day while 
the  rig  is  employed  under  a  contract  and  generating  revenues  for  Seadrill  and  approximately  $40,000  in  all  other  scenarios, 
including when the rig is idle or undergoing mobilization or demobilization. Pursuant to the amendment agreement, Seadrill has 
agreed  to  fund  the  mobilization  and  demobilization  of  the  rig,  which  is  expected  to  occur  during  the  charter  period.  Seadrill 
obtained bankruptcy court approval of the amendment agreement on August 27, 2021, which was a condition precedent to the 
effectiveness to the amendment agreement. Each of SFL’s financing banks consented to the amendment agreement, and SFL’s 
limited  corporate  guarantee  of  the  outstanding  debt  of  the  rig  owning  subsidiary  remains  unchanged  at  $83.1  million. 
Additionally, SFL agreed to a cash contribution of $5 million to the SFL Hercules's pledged earnings account at the time of 
redelivery following the termination of the Seadrill charter, in addition to a $3 million payable by Seadrill. 

Following these amendments, SFL Hercules is in compliance with its debt covenants.

On October 26, 2021, Seadrill announced that its plan of reorganization was confirmed by the U.S. Bankruptcy Court for the 
Southern  District  of  Texas.  On  February  22,  2022,  Seadrill  announced  that  it  has  emerged  from  its  Chapter  11  process  after 
successfully completing its reorganization.

In February 2022, the Company agreed to make changes to the chartering and management structure of the harsh environment 
jack-up  drilling  rig  West  Linus.  The  rig  was  delivered  in  2014,  and  is  currently  operated  by  a  subsidiary  of  Seadrill  and 
employed on a long-term drilling contract with ConocoPhillips Skandinavia AS (“ConocoPhillips”) in the North Sea until the 
fourth quarter of 2028.

F-52

The  Company,  Seadrill  and  ConocoPhillips  reached  an  agreement  in  which  the  drilling  contract  with  ConocoPhillips  is 
expected to be assigned from the current operator to one of the subsidiaries of the Company, upon the new operator receiving 
necessary regulatory approvals. Upon effective assignment of the drilling contract, SFL will receive charter hire from the rig 
and pay for operating and management expenses. 

SFL  has  simultaneously  entered  into  an  agreement  for  the  operational  management  of  the  rig  with  a  subsidiary  of  Odfjell 
Drilling  Ltd.  (“Odfjell”),  a  leading  harsh  environment  drilling  rig  operator.  The  change  of  operational  management  from 
Seadrill to Odfjell is subject to customary regulatory approvals relating to operations on the Norwegian Continental Shelf.

Until the approvals are in place, Seadrill will continue the existing charter arrangements for a period of up to approximately 
nine months. The bareboat charter rate from Seadrill in this transition period will be approximately $55,000 per day.

The lease to West Taurus was rejected by the court in March 2021 and the rig was redelivered by Seadrill to SFL in the second 
quarter  of  2021.  In  March  2021,  the  Company  signed  an  agreement  for  the  recycling  of  the  rig  at  a  facility  in  Turkey  and 
delivered  the  rig  to  the  recycling  facility  in  September  2021.  The  asset  was  derecognized  on  disposal  and  a  net  loss  of 
$0.6 million was recorded in relation to the recycling of the rig. (Refer to Note 8: Gain on Sale of Assets)

During the year ended December 31, 2021, and following amendments to the West Hercules bareboat charter and loan facility 
agreements, SFL Hercules Ltd. was determined to no longer be a variable interest entity and was consolidated from August 27, 
2021 when the amendments were approved by the applicable bankruptcy court. With regards to SFL Linus and SFL Deepwater, 
the Company was determined to be the primary beneficiary of the two subsidiaries in October 2020, following changes to their 
financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  two  subsidiaries  were 
consolidated by the Company.

As described below in "Related party loans", as of December 31, 2020, the long-term loan from the Company to SFL Hercules 
was 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 26).

Related party leasing and service contracts

As of December 31, 2021, two of the Company's vessels leased to Frontline Shipping (2020: two) are recorded as investment in 
direct  financing  leases.  As  of  December  31,  2021,  the  balance  of  net  investments  in  direct  financing  leases  with  Frontline 
Shipping  was  $69.8  million  before  credit  loss  provision  (2020:  $76.1  million),  of  which  $6.5  million  (2020:  $6.3  million) 
represents short-term maturities.

As of December 31, 2021, included within vessels and equipment chartered under operating leases, there were eight Capesize 
dry bulk carriers leased to a fully guaranteed subsidiary of Golden Ocean (2020: eight). As of December 31, 2021, the net book 
value of assets leased under operating leases to Golden Ocean was $181.3 million (2020: $200.5 million).

In  addition,  the  two  drilling  rigs  owned  by  the  Company  are  leased  to  subsidiaries  of  Seadrill  under  operating  leases.  As  of 
December 31, 2021, the net book value of the assets leased under operating leases to Seadrill was $599.3 million.

A summary of leasing revenues and repayments from Frontline Shipping, Golden Ocean and Seadrill 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
Seadrill:
Operating lease income

2021

50.5 

9.8 

1.5 
6.6 
6.3 
0.3 

28.9 

2020

52.0 

— 

1.7 
6.9 
6.5 
18.6 

— 

2019

51.1 

0.8 

3.8 
9.9 
7.9 
4.8 

— 

F-53

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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  $10.2  million  as  of 
December 31, 2021. This investment is included in Note 11: Investments in Debt and Equity Securities.

In 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 were 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, 2021, 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 of December 31, 2021, the Company was owed a total of $0.0 million (2020: $2.9 million) by Frontline Shipping in respect 
of leasing contracts and profit share.

As of December 31, 2021, the Company was owed $3.6 million (2020: $3.2 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, 2021, 
the Company also had 21 container vessels, 14 dry bulk carriers, three Suezmax tankers, two car carriers, two product tankers 
and  two  chemical  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-54

 
 
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, 2021, the Company had 16 container vessels and nine 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 pays Frontline 
and its subsidiaries a management fee of 1.25% of chartering revenues in relation to two Suezmax tankers operating in the spot 
market  and  a  fixed  management  fee  of  $150  per  day  in  relation  to  four  product  tankers  and  three  Suezmax  tankers.  The 
Company pays 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 pays fees to Seatankers Management Norway AS for the 
provision  of  office  facilities  in  Oslo,  fees  to  Frontline  Shipping  Singapore  Pte  Ltd.  for  the  provision  of  office  facilities  in 
Singapore,  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

Newbuilding Supervision Fees

Commissions and Brokerage

Administration Services Fees

Golden Ocean:

Vessel Management Fees

Operating Management Fees

Administration Services Fees

Seatankers:

Administration Services Fees*

Front Ocean:

Administration Services Fees

Office Facilities:

Seatankers Management Norway AS

Frontline Management AS

Frontline Corporate Services Ltd.

Frontline Shipping Singapore Pte Ltd.

December 31, 2021 December 31, 2020 December 31, 2019

Year ended

7,794 

132 

260 

159 

8,893 

— 

364 

82 

11,758 

— 

291 

201 

20,440 

20,496 

20,440 

389 

56 

226 

23 

112 

252 

187 

19 

887 

70 

520 

— 

94 

186 

226 

— 

894 

30 

739 

— 

104 

198 

212 

— 

* During the year ended December 31, 2021, a credit note of $0.3 million was received in relation to 2020 fees paid.

As of December 31, 2021, the Company owed Frontline Management and Frontline Management AS a combined total of $0.04 
million (2020: $0.07 million) for various items, including technical supervision fees and office costs.

Related party loans – associated companies 

A summary of loans entered into with the associated companies are as follows: 

(in millions of $) 

Loans granted

Loans outstanding as of December 31, 2021

River Box 

45

45 

The loan to River Box is a fixed interest rate loan and is repayable in full on November 16, 2033, or earlier if the company sells 
its assets.

F-55

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL has also entered into loan agreements with SFL Hercules, SFL Deepwater and SFL Linus for amounts of $145 million,
$145  million  and  $125  million,  respectively.  SFL  is  entitled  to  take  excess  cash  from  these  companies,  and  such  amount  is 
recorded within its current account with SFL. The loan agreements specify 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. Following approval of 
the amendments to the charter and debt agreements, SFL Hercules was no longer deemed to be a variable interest entity and 
became consolidated by the Company in August 2021. Also, 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 these dates.

Interest income received on the loans to associated companies is as follows: 

(in millions of $)

River Box 

SFL Deepwater

SFL Hercules

SFL Linus

December 31, 2021 December 31, 2020 December 31, 2019

Year ended

4.6

0.0  

2.4  

0.0  

0.0

3.8   

3.6   

4.5   

0.0

5.1 

3.6 

5.4 

Related party purchases and sales of vessels 

During the year ended December 31, 2021, the Company entered into agreement to acquire four Aframax LR2 product tankers 
from affiliates of Frontline Limited, for an aggregate amount of $160.0 million. Two of the vessels were delivered in December 
2021 and commenced their long term charters. The remaining two vessels were delivered subsequent to the year end. (Refer to 
Note 30: Subsequent Events).

In the year ended December 31, 2021 and December 31, 2020, there were no vessels sold to related parties.

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.

Also 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, 2021 December 31, 2020 December 31, 2019

Year ended

—   

—   

—   

— 

82   

97   

8.9   

11.0

734 

908 

— 

1.7

 * Non amortizing loan note so there was no repayment received in 2019. 

F-56

 
 
 
 
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 August 2018, the Company acquired approximately 4 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 had a fair value of $8.9 million as of 
December  31,  2020.  (Refer  to  Note  11:  Investments  in  Debt  and  Equity  Securities).  These  shares  represented  17%  of  the 
outstanding  shares  in  the  company.  During  the  year  ended  December  31,  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 during the year 
ended  December  31,  2021,  the  Company  sold  its  remaining  shares  in  ADS  Maritime  Holding  for  a  consideration  of 
approximately $0.8 million, recognizing a gain of $0.7 million on disposal. (Refer to Note 11: Investments in Debt and Equity 
Securities).

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. As of December 31, 2021 the 
fair value of the investment was $1.3 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 as of December 31, 2021 was $4.6 million (2020: 
$4.6 million; 2019: $4.7 million). (Refer to Note 11: Investments in Debt and Equity Securities).

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 

December 31, 2021

December 31, 2020

December 31, 2019

Year ended 

—   

—   

—   

2,930   

3,100   

—   

443   

420   

261 

340 

1,989 

459 

F-57

 
 
 
 
26. 

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), 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: 

(in thousands of $)
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

Cross currency swaps

Total derivative instruments - long-term liabilities

2021

2020

2,077 
— 
1,019 

88 
— 
3,184 

2021

68 

670 

738 

2,316 

2,685 

10,038 

2,159 

11 

17,209 

— 
28 
3,373 

— 
5 
3,406 

2020

703 

869 

1,572 

7,926 

3,006 

8,301 

13,479 

— 

32,712 

F-58

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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.  As  of  December  31,  2021,  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 $)

$84,333 (terminating at $79,733)

$100,000 (remaining at $100,000)

$35,063 (remaining at $35,063)

$19,413 (remaining at $19,413)

$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)

$145,450 (reducing to $92,233)

$45,830 (reducing to $45,135)

Trade date

May 2012

March 2013

December 2014

September 2015

June 2019

June 2019

August 2019

May 2019

May 2019

August 2019

January 2020

April 2020

May 2020

Maturity date

Fixed interest rate

August 2022

1.76% - 1.85%

April 2023

January 2022

March 2022

September 2023

1.85% - 1.97% 
3.09%

1.67%

1.84% †

September 2023

6.70% - 6.77% *

September 2023

June 2024

June 2024

August 2029

October 2024

January 2025

May 2022

6.378% *

2.15% †

6.85% - 6.90% *

1.45% - 1.60%

1.40% †

0.46% - 0.47%

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 of December 31, 2021, was $0.7 billion (2020: 
$0.9 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-59

 
 
 
Fair Values 

The  carrying  value  and  estimated  fair  value  of  the  Company's  financial  assets  and  liabilities  as  of  December  31,  2021,  and 
2020, are as follows: 

(in thousands of $)

Non-derivatives:

Available-for-sale debt securities

Equity Securities

Equity securities pledged to creditors
NOK700 million senior unsecured floating rate bonds 
due 2023
NOK700 million senior unsecured floating rate bonds 
due 2024
NOK600 million senior unsecured floating rate bonds 
due 2025

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023

7.25% unsecured sustainability linked bonds due 2026

Derivatives:

Interest rate/ currency swap contracts – long-term 
receivables
Interest rate/ currency swap contracts – short-term 
payables
Interest rate/ currency swap contracts – long-term 
payables

2021

2021

2020

2020

Carrying value

Fair value Carrying value

Fair value

9,680 

1,292 

10,238 

9,680 

1,292 

10,238 

9,431 

10,367 

9,007 

9,431 

10,367 

9,007 

79,507 

79,586 

81,572 

78,513 

78,939 

79,077 

80,989 

76,940 

61,334 

— 

137,900 

150,000 

60,133 

— 

138,727 

153,563 

3,184 

3,184 

738 

738 

62,927 

212,230 

139,900 

— 

3,406 

1,572 

57,421 

199,496 

123,112 

— 

3,406 

1,572 

17,209 

17,209 

32,712 

32,712 

The  above  long-term  receivables  relating  to  interest  rate/  currency  swap  contracts  as  of  December  31,  2021,  include  $0.1 
million which relates to non-designated swap contracts (2020: $0.0 million), with the balance relating to designated hedges. The 
above  short-term  payables  relating  to  interest  rate/  currency  swap  contracts  as  of  December  31,  2021,  include  $0.7  million 
which relates to non-designated swap contracts (2020: $0.9 million), with the balance relating to designated hedges. The above 
long-term  payables  relating  to  interest  rate/  currency  swap  contracts  as  of  December  31,  2021,  include  $2.2  million  which 
relates to non-designated swap contracts (2020: $13.5 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-60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The above fair values of financial assets and liabilities as of December 31, 2021, are measured as follows: 

Fair value measurements using

December 
31, 2021

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:

9,680 

1,292 

10,238 

3,184 

24,394 

4,619 

1,292 

10,238 

16,149 

5,061 

3,184 

8,245 

NOK700 million senior unsecured floating rate bonds due 
2023
NOK700 million senior unsecured floating rate bonds due 
2024
NOK600 million senior unsecured floating rate bonds due 
2025

4.875% unsecured convertible bonds due 2023

7.25% unsecured sustainability linked bonds due 2026

Interest rate/ currency swap contracts – short-term payables

Interest rate/ currency swap contracts – long-term payables

79,586 

79,586 

79,077 

79,077 

60,133 

138,727 

153,563 

60,133 

  138,727 

  153,563 

738 

17,209 

Total liabilities

  529,033 

511,086 

738 

17,209 

17,947 

The above fair values of financial assets and liabilities as of December 31, 2020, were measured as follows:

— 

— 

Fair value measurements using

December 
31, 2020

Quoted Prices 
in Active 
Markets for 
Identical Assets

Significant 
Other 
Observable 
Inputs

Significant 
Unobservable 
Inputs

(Level 1)

(Level 2)

(Level 3)

9,431 

10,367 
9,007 

4,643 

10,367 
9,007 

(in thousands of $)

Assets:

Available-for-sale debt securities

Equity securities
Equity securities pledged to creditors

Interest rate/ currency swap contracts – long-term receivables  

3,406 

Total assets

Liabilities:

NOK700 million senior unsecured floating rate bonds due 
2023
NOK700 million senior unsecured floating rate bonds due 
2024
NOK600 million senior unsecured floating rate 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

32,211 

24,017 

78,513 

78,513 

76,940 

76,940 

57,421 
  199,496 
  123,112 
1,572 
32,712 
  569,766 

57,421 
199,496 
123,112 

535,482 

F-61

4,788 

— 

3,406 

8,194 

— 

1,572 
32,712 
34,284 

— 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. During the year ended December 31, 2021, the Company sold its shares in ADS 
Maritime  Holding  Plc,  recognizing  a  gain  of  $0.7  million  on  disposal.  (Refer  to  Note  11:  Investments  in  Debt  and  Equity 
Securities).

As of December 31, 2021, the Company determined that the available for sale corporate bonds held in NT Rig Holdco valued at 
$5.1  million  (2020:  $4.8  million)  should  be  classified  as  Level  2  measurements  (2020:  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 as of December 31, 2021.

The  estimated  fair  values  for  the  floating  rate  NOK  bonds  due  2023,  2024  and  2025,  the  5.75%  and  4.875%  unsecured 
convertible bonds and the 7.25% unsecured sustainability linked bonds due 2026 are based on the quoted market prices as of 
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 of 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, 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 however certain of the Company’s 
counterparties require the Company to periodically post collateral when the fair value of the financial instruments exceeds or is 
below  specified  thresholds.  As  of  December  31,  2021  and  2020,  the  Company  posted  cash  collateral  related  to  derivative 
instruments under its collateral security arrangements of $10.4 million and $0.4 million, respectively, which is recorded within 
recorded within Other long term assets in the consolidated balance sheets. (Refer to Note 16: Other Long Term Assets). The 
Company also sometimes enter into master netting and offset agreements with such counterparties. As of December 31, 2021, 
the Company has International Swaps and Derivatives Association (“ISDA”) agreements with four of its swap counterparties 
which contain netting provisions.

There is also a concentration of revenue risk with certain customers to whom the Company has chartered multiple vessels.

F-62

 
 
 
In the year ended December 31, 2021, two VLCC crude tankers leased to Frontline Shipping accounted for approximately 2% 
of our consolidated operating revenues (2020: 6%, 2019: 4%). 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  charter  hires.  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,  2021,  the  Company  had  eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden 
Ocean which accounted for approximately 12% of our consolidated operating revenues (2020: 11%, 2019: 11%). 

The Company also had 10 container vessels on long-term bareboat charters to MSC, which accounted for approximately 2% of 
our consolidated operating revenues in the year ended December 31, 2021 (2020: 13%, 2019: 14%).

The Company had 15 container vessels on long-term time charters to Maersk A/S (“Maersk”) as of December 31, 2021, which 
accounted for approximately 32% of our consolidated operating revenues (2020: 29%; 2019: 30%).

In the year ended December 31, 2021, the company had six container vessels on time charter to Evergreen, which accounted for 
approximately 15% of our consolidated operating revenues in the year ended December 31, 2021 (2020: 15%, 2019: 14%).

In addition, a significant portion of our net income/(loss) is generated from our associated companies. SFL Hercules leases a rig 
to  a  subsidiary  of  Seadrill  and  River  Box  Holding  Inc.  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.  Following 
amendments  to  the  West  Hercules  bareboat  charter  and  loan  facility  agreements,  SFL  Hercules  Ltd.  was  determined  to  no 
longer  be  a  variable  interest  entity  and  was  consolidated  from  August  27,  2021  (See  Note  18:  Investment  in  Associated 
Companies). 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  18:  Investment  in  Associated  Companies).  In  the  year  ended 
December 31, 2021, income from the one remaining associated company chartering to Seadrill and consolidated from August 
2021, accounted for approximately 2% of our net income (2020: 7% of net loss from three associated companies, 2019: 35% of 
net income from three associated companies). Also, in the year ended December 31, 2021, revenue from subsidiaries that were 
consolidated and leased rigs to Seadrill, accounted for approximately 6% of our consolidated operating revenues (2020: 1% in 
relation to one drilling unit, 2019: 0% none).

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 units. 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. In August 2021, 
the Company entered into an amendment to its existing charter agreement (the “amendment agreement”) with subsidiaries of 
Seadrill for the harsh environment semi-submersible rig West Hercules, which was approved by the applicable bankruptcy court 
in  September  2021.  Each  of  SFL’s  financing  banks  consented  to  the  amendment  agreement,  and  SFL’s  limited  corporate 
guarantee of the outstanding debt of the rig owning subsidiary remains unchanged at $83.1 million (2020: $83.1 million of its 
associated companies). Additionally, SFL agreed to a cash contribution of $5.0 million to the SFL Hercules's pledged earnings 
account  at  the  time  of  redelivery  following  the  termination  of  the  Seadrill  charter,  in  addition  to  a  $3.0  million  payable  by 
Seadrill. 

F-63

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  18: 
Investment in Associated Companies). 

As discussed in Note 25: Related Party Transactions, the Company, as of December 31, 2021, had net outstanding receivable 
balance  on  loans  granted  by  the  Company  to  these  associated  companies  totaling  $45.0  million  (2020:  $123.9  million).  The 
loans granted by the Company are considered not impaired as of December 31, 2021 due to the fair value of the vessels owned 
by River Box exceeding the book values as of December 31, 2021.

27. 

ALLOWANCE FOR EXPECTED CREDIT LOSSES

ASU 2016-13 introduced a new credit loss methodology, requiring earlier recognition of potential credit losses. The Company 
adopted ASU 2016-13 using the modified retrospective method from January 1, 2020. The provision is based on an assessment 
of  the  impact  of  current  and  expected  future  conditions,  and  as  of  December  31,  2021,  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, 2021.

Trade 
receivables

Other 
receivables

Related 
Party 
receivables

(in thousands of $)

Balance as of December 31, 2020
Reclassification to 'vessels and equipment, 
net'

Additions from associates
Change in allowance recorded in 'other 
financial items'

Balance as of December 31, 2021

33   

—   

—   

63   

96   

881   

1,973   

—   

—   

—   

569   

(395)  

486   

713   

3,255   

Investment 
in sales-
type, direct 
financing 
leases and 
leaseback 
assets
4,390   

(2,030)  

—   

(1,097)  

1,263   

Other long-
term assets

Total

1,894   

9,171 

—   

—   

(6)  

1,888   

(2,030) 

569 

(722) 

6,988 

The  impact  of  the  allowance  for  expected  credit  losses  on  the  associates  is  disclosed  in  Note  18:  Investment  in  Associated 
Companies.

In March 2021, the drilling unit held by a wholly owned subsidiary of the Company (SFL Linus) was reclassified from direct 
financing lease to operating lease and has been presented within Vessels and Equipment, net. A previously recognized credit 
loss allowance of $2.0 million was derecognized as a result of the reclassification. (Refer to Note 13: Vessels and Equipment, 
net and Note 17: Investment in Sales-Type Leases, Direct Financing Leases and Leaseback Assets).

In August 2021, SFL Hercules ceased to be accounted for as an associate and became consolidated, resulting in an addition of 
$0.6 million in credit loss allowance for related party receivables. (Refer to Note 18: Investment in Associated Companies).

F-64

 
 
 
 
 
28. 

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

Total book value

2021

2,107   

203   

2,310   

2021

656   

656   

2020

1,189 

675 

1,864 

2020

697 

697 

The  Company  has  funded  its  acquisition  of  vessels,  jack-up  rig  and  ultra-deepwater  drilling  unit  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 of December 31, 2021, the Company had $1.9 billion of outstanding principal 
indebtedness  under  various  credit  facilities  and  finance  lease  liabilities  of  $0.5  billion.  In  2020  the  Company  and  its  100% 
equity accounted subsidiaries had a combined outstanding principal indebtedness of $1.8 billion under various credit facilities 
and finance lease liabilities of $0.6 billion.

As of December 31, 2021, the Company had a forward contract which expired in January of 2022, and has subsequently been 
rolled over to July 2022, to repurchase 1.4 million shares of Frontline (December 31, 2020: 1.4 million shares) with a carrying 
value of $10.2 million (December 31, 2020: $9.0 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 as of 
December 31, 2021 (December 31, 2020: $15.6 million). As of December 31, 2021 the shares, together with a restricted cash 
balance of $8.3 million (December 31, 2020: $9.0 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.

Capital commitments

As of December 31, 2021, the Company has no capital commitments towards the procurement of scrubbers on vessels owned 
by the Company (December 31, 2020: $5.8 million on nine vessels).

As of December 31, 2021, the Company has committed to paying $2.7 million towards the installation of BWTS on five vessels 
from its fleet (December 31, 2020: $7.0 million on 16 vessels), with installations expected to take place up to 2023. 

As of December 31, 2021, the Company has committed to acquire two Suezmax tankers and two Aframax LR2 product tankers 
for a total purchase price of $190.0 million. The four vessels were delivered in January and February 2022. (Refer to Note 30: 
Subsequent Events). Upon delivery the vessels are contracted to immediately commence a five-year time charter to a subsidiary 
of Trafigura.

As of December 31, 2021, the Company had commitments under shipbuilding contracts to construct four newbuilding dual-fuel 
7,000  CEU  car  carriers  designed  to  use  liquefied  natural  gas  ("LNG"),  totaling  to  $254.2  million  (December  31,  2020: 
$0.0 million). Two of the vessels are expected to be delivered in 2023 and will immediately commence a 10-year period time 
charter  with  Volkswagen  Group.  The  remaining  two  vessels  are  expected  to  be  delivered  in  2024  and  will  immediately 
commence a 10-year period time charter with K Line. (Refer to Note 14: Newbuildings and Vessel Purchase Deposits).

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There were no other material contractual commitments as of December 31, 2021.

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. 

29.

CONSOLIDATED VARIABLE INTEREST ENTITIES

As of December 31, 2021, the Company's consolidated financial statements included 27 variable interest entities, all of which 
had  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 April 2022 to December 2026. 

As  of  December  31,  2021,  nine  of  the  consolidated  variable  interest  entities  have  vessels  which  are  accounted  for  as 
investments  in  sales-type  leases,  direct  financing  leases  and  leaseback  assets.  As  of  December  31,  2021,  the  vessels  had  a 
carrying value of $116.9 million before credit loss provision, unearned lease income of $25.7 million and total option prices at 
the earliest exercise date of $86.1 million. The outstanding loan balances in these entities amounted to a total of $88.3 million, 
of which the short-term portion was $7.8 million as of December 31, 2021. 

As of December 31, 2021, 15 fully consolidated variable interest entities each own vessels which are accounted for as operating 
lease assets. As of December 31, 2021 the vessels had a total net book value of $848.4 million. The outstanding loan balances 
in these entities amounted to a total of $473.8 million, of which the short-term portion was $110.0 million as of December 31, 
2021.

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 $274.3 million as of December 31, 2021. The outstanding total finance lease liabilities 
for these entities amounted to $211.8 million, of which the short-term portion was $21.0 million as of December 31, 2021.

30.

SUBSEQUENT EVENTS

In January 2022, the Company took delivery of the remaining two of the four LR2 product tankers agreed for acquisition in the 
fourth quarter of 2021. The vessels were acquired in combination with five-year time charters to a subsidiary of Trafigura.

In January and February 2022, the Company took delivery of the remaining two of the three modern Suezmax tankers agreed 
for acquisition in the third quarter of 2021. The vessels have five-year time charters to a subsidiary of Trafigura.

On February 16, 2022, the Board of Directors of the Company declared a dividend of $0.20 per share which will be paid in cash 
on or around March 29, 2022.

In February 2022, SFL awarded 435,000 options to its employees, officers and directors pursuant to the Company’s incentive 
program.

In February 2022, the Company agreed to make changes to the chartering and management structure of the harsh environment 
jack-up  drilling  rig  West  Linus.  The  rig  was  delivered  in  2014,  and  is  currently  operated  by  a  subsidiary  of  Seadrill  and 
employed on a long-term drilling contract with ConocoPhillips in the North Sea until the fourth quarter of 2028.

The  Company,  Seadrill  and  ConocoPhillips  reached  an  agreement  in  which  the  drilling  contract  with  ConocoPhillips  is 
expected to be assigned from the current operator to one of the subsidiaries of the Company, upon the new operator receiving 
necessary regulatory approvals. In connection with the effective assignment of the drilling contract, SFL will receive charter 
hire from the rig and pay for operating and management expenses.

SFL  has  simultaneously  entered  into  an  agreement  for  the  operational  management  of  the  rig  with  a  subsidiary  of  Odfjell,  a 
leading harsh environment drilling rig operator. The change of operational management from Seadrill to Odfjell is subject to 
customary regulatory approvals relating to operations on the Norwegian Continental Shelf.

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Until the approvals are in place, Seadrill will continue the existing charter arrangements for a period of up to approximately 
nine months. The bareboat charter rate from Seadrill in this transition period will be approximately $55,000 per day.

In  March  2022,  the  Company  agreed  to  charter  six  14,000  TEU  container  vessels  to  a  leading  container  operator  for  a  fixed 
period  of  approximately  five  years.  The  new  charter  is  expected  to  commence  between  2023  and  2024  when  the  vessels  are 
redelivered following completion of their existing charter party to another Asian based liner company.

The  recent  outbreak  of  conflict  between  Russia  and  Ukraine  has  disrupted  supply  chains  and  caused  instability  in  the  global 
economy,  while  the  United  States  and  the  European  Union,  among  other  countries,  announced  sanctions  against  Russia.  For 
example,  on  March  8,  2022,  President  Biden  issued  an  executive  order  prohibiting  the  import  of  certain  Russian  energy 
products  into  the  United  States,  including  crude  oil,  petroleum,  petroleum  fuels,  oils,  liquefied  natural  gas  and  coal. 
Additionally,  the  executive  order  prohibits  any  investments  in  the  Russian  energy  sector  by  U.S.  persons,  among  other 
restrictions.  The  ongoing  conflict  could  result  in  the  imposition  of  further  economic  sanctions  against  Russia,  and  the 
Company’s  business  may  be  adversely  impacted.  Currently,  the  Company’s  charter  contracts  have  not  been  affected  by  the 
events in Russia and Ukraine. However, it is possible that in the future third parties, with whom the Company has or will have 
charter contracts, may be impacted by such events. While in general much uncertainty remains regarding the global impact of 
the  conflict  in  Ukraine,  it  is  possible  that  such  tensions  could  adversely  affect  the  Company’s  business,  financial  condition, 
results of operation and cash flows.

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