Quarterlytics / Consumer Cyclical / Packaging & Containers / Swiss Water Decaffeinated Coffee

Swiss Water Decaffeinated Coffee

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FY2019 Annual Report · Swiss Water Decaffeinated Coffee
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SWP Q4 cover_Layout 1  20-03-20  10:56 AM  Page 1

SWISS WATER DECAFFEINATED COFFEE INC.

2019 ANNUAL REPORT 

SWP Q4 cover_Layout 1  20-03-20  10:56 AM  Page 2

SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

MANAGEMENT DISCUSSION AND ANALYSIS 

This  Management’s  Discussion  and  Analysis  (“MD&A”)  of  Swiss  Water  Decaffeinated  Coffee  Inc.  (“Swiss 
Water” or the “Company”), dated as of March 19, 2020, provides a review of the financial results for the three 
months and the year ended December 31, 2019 relative to the comparable period of 2018.  The three-month 
period represents the fourth quarter (“Q4”) of our 2019 fiscal year.  This MD&A should be read in conjunction 
with Swiss Water’s audited consolidated financial statements for the year ended December 31, 2019, and in 
conjunction with the Annual Information Form, which are available on www.sedar.com. 

All financial information is presented in Canadian dollars, unless otherwise specified. 

FORWARD-LOOKING STATEMENTS 

This MD&A contains forward-looking statements, including statements regarding the future success of our 
business and market opportunities. Forward-looking statements typically contain words such as “believes”, 
“expects”,  “anticipates”,  “continue”,  “could”,  “indicates”,  “plans”,  “will”,  “intends”,  “may”,  “projects”, 
“schedule”, “would” or similar expressions suggesting future outcomes or events, although not all forward-
looking statements contain these identifying words.  Examples of such statements include, but are not limited 
to,  statements  concerning:  (i)  expectations  regarding  Swiss  Water’s  future  success  in  various  geographic 
markets;  (ii)  future  financial  results,  including  anticipated  future  sales  and  processing  volumes;  (iii)  future 
dividends;  (iv)  the  expected  actions  of  the  third  parties  described  herein;  (v)  factors  affecting  the  coffee 
market including supplies and commodity pricing; (vi) the expected cost to complete the production facility 
and production line currently under construction; and (vii) the business and financial outlook of Swiss Water.  
In addition, this MD&A contains financial outlook information that is intended to provide general guidance for 
readers  based  on  our  current  estimates,  which  based  on  numerous  assumptions  and  may  prove  to  be 
incorrect.    Therefore,  such  financial  outlook  information  should  not  be  relied  upon  by  readers.    These 
statements are neither promises nor guarantees but involve known and unknown risks and uncertainties that 
may cause our actual results, level of activity, performance or achievements to be materially different from 
any  future  results,  levels  of  activity,  performance  or  achievements  expressed  in  or  implied  by  these 
statements.  These risks include, but are not limited to, risks related to processing volumes and sales growth, 
operating  results,  supply  of  coffee,  supply  of  utilities,  general  industry  conditions,  commodity  price  risks, 
COVID-19,    technology,  competition,  foreign  exchange  rates,  construction  timing,  costs  and  financing  of 
capital projects, general economic conditions and those factors described herein under the heading ‘Risks & 
Uncertainties’. 

The forward-looking statements contained herein are also based on assumptions that we believe are current 
and reasonable, including but not limited to, assumptions regarding (i) trends in certain market segments and 
the economic climate generally; (ii) the financial strength of our customers; (iii) the value of the Canadian 
dollar  versus  the  US  dollar;  (iv)  the  expected  financial  and  operating  performance  of  Swiss  Water  going 
forward; (v) the availability and expected terms and conditions of debt facilities; and (vi) the expected level of 
dividends payable to shareholders.  We cannot assure readers that actual results will be consistent with the 
statements  contained  in  this  MD&A.    The  forward-looking  statements  and  financial  outlook  information 
contained herein are made as of the date of this MD&A and are expressly qualified in their entirety by this 
cautionary statement.  Except to the extent required by applicable securities law, Swiss Water undertakes no 
obligation to publicly update or revise any such statements to reflect any change in our expectations or in 
events, conditions, or  circumstances  on which  any  such  statements  may  be  based, or that may  affect  the 
likelihood that actual results will differ from those described herein. 

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SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

EXECUTIVE SUMMARY 

For  the  three  months  and  year  ended  December  31,  2019,  Swiss  Water  recorded  significantly  higher 
processing volumes and revenues. Volume growth remained strong in all trading regions and continued to 
accelerate rapidly in Europe and other international markets. We also continued to grow our market share 
versus our competitors, increased our gross profit, and invested in organizational change initiatives that will 
generate  operational  efficiencies  going  forward,  all  while  remaining  focused  on  producing  high-quality 
premium  decaffeinated  coffee.    To  drive  future  growth,  we  are  committed  to  expanding  our  presence  in 
Europe  and  increasing  awareness  and  adoption  of  the  Swiss  Water  brand  by  targeting  specific  customer 
groups in North America.  A summary of our financial results is shown in the table below: 

In $000s except per share amounts  
(unaudited) 

Sales 

Gross Profit 

Operating income 

Net income  

EBITDA1 

EBITDA excluding the impact of IFRS 16-Leases2 

Net income – basic3 

Net income – diluted3 

3 months ended December 31, 
2018 
22,979 

2019 
25,023  $ 

$ 

Year ended December 31, 
2018 
89,939 

2019 
97,230  $ 

4,106 

539 

716 

1,454 

797 

3,686 

1,618 

919 

2,050 

2,050 

16,494 

5,162 

2,944 

10,350 

7,344 

0.08  $ 

0.08  $ 

0.10 

0.03 

$ 

$ 

0.32  $ 

0.32  $ 

14,921 

5,631 

4,531 

7,745 

7,745 

0.50 

0.35 

$ 

$ 

$ 

1 EBITDA is defined in the ‘Non-IFRS Measures’ section of this MD&A and is a “Non-GAAP Financial Measure” as defined by CSA Staff Notice 52-306. 
2 EBITDA excluding the impact of IFRS 16 - Leases is defined as EBITDA, less lease payments made during the year.  
3 Per-share calculations are based on the weighted average number of shares outstanding during the periods. 

Operational highlights 

  Total shipped volumes  reported  strong growth momentum  throughout 2019.  Shipped volumes in the 
fourth quarter and for the year grew by 18% and 16% respectively, when compared to the same periods 
in 2018. We continue to win new business as coffee industry participants migrate away from chemical 
decaffeination  processes.  In  addition,  since  the  beginning  of  2019,  we  have  seen  an  acceleration  of 
underlying volume growth from existing customers. At the same time, our global reach has continued to 
expand. Swiss Water now exports to 60 different countries, and we ship volume to customers on every 
continent. 

  Fourth quarter shipments to roasters remained flat but were up by 10% for the full year, when compared 
to the same periods in 2018. Shipments to importers were up by 61% in Q4 and 32% for the full year. The 
growth  in  roaster  and  importer  volumes  continues  to  reflect  gains  in  market  share  due,  in  part,  to  a 
reduction in global chemical free decaffeination capacity following the shutdown of two legacy CO2 plants 
operated by competitors in 2018. 

  Shipped volumes to our specialty accounts increased by 7% in the fourth quarter and by 8% for the year, 
compared to the same periods in 2018. Increasing recognition of the Swiss Water brand, and specifically 
greater recognition in Europe, is helping drive increased business within this growing industry segment. 

  Shipments to our commercial accounts increased by 25% in the fourth quarter and by 22% for the full 
year,  compared  to  the  same  periods  in  2018.    Increasing  consumer  awareness  and  demand  for 

2 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

decaffeinated coffee, combined with the reduced availability of chemical free decaffeination capacity is 
helping drive this growth. 

  Swiss  Water’s  European  subsidiary  was  formally  incorporated  in  January  2019  helping  drive  a  rapid 
acceleration in our performance in this region throughout the year. Our European shipped volumes grew 
by 170% in Q4, and by 97% for the year.  This exceptional growth trajectory was largely due to our success 
in  winning  new  customers  and  trading  partners  on  the  continent.  At  the  same  time,  we  are  also 
experiencing strong underlying growth with our legacy customers in Europe. 

  Our largest geographical market by volume  in  Q4  and  for the  year  continued to be  the United States, 
followed  by  Canada,  Europe  and  other  international  markets.  By  dollar  value,  for  the  year  ended 
December 31, 2019, 48% of our sales were to customers in the United States, 34% were to Canada, and 
the  remaining  18%  were  to  other  countries.    As  we  continue  to  expand  our  business  in  Europe,  we 
anticipate revenues from our international markets to increase in both dollar and percentage terms. 

Financial highlights 

  Revenue increased by 9% to $25 million in the fourth quarter and improved by 8% to $97.2 million for the 
full  2019  year.  The  increased  revenue  in  both  periods  was  primarily  due  to  the  strong  growth  in  our 
processing volumes. A higher average US dollar (“US$”) exchange rate, as well as increases in green coffee 
sales volumes, offset by a lower coffee futures price (“NY’C’”), also contributed to the improvement. 

  Gross profit for Q4 was $4.1 million, a $0.4 million increase over the fourth quarter of 2018. Our Q4 gross 
profit in 2019 was positively impacted by increased overall process volumes and a higher proportion of 
regular volumes in our sales mix. Improved supply chain efficiencies and our ongoing efforts to control 
operating  costs  also  contributed.  These  enhancements  were  partially  diluted  by  the  impact  of  higher 
labour costs. 

Full year  2019  gross  profit  increased to $16.5 million  from  $14.9 million in  2018.  The improvement in 
annual gross profit was achieved despite the need to absorb much higher than expected energy costs. 
This was due to a temporary spike in the price for natural gas resulting from a pipeline explosion in October 
2018. This significantly reduced gas supply in British Columbia during Q1 2019.  

  Operating expenses were up by 73% to $3.6 million in the fourth quarter and increased by 22% to $11.3 
million for the year, when compared to the same periods in 2018. It’s noteworthy that in Q4 2018 we 
received a one-off payment in relation to the Canadian Scientific Research and Experimental Development 
(SRED) programme. The absence of a similar benefit in Q4 2019 was a material driver of the year-over-
year increase in operating expense.  In addition, higher occupancy expenses were recorded in Q4 2019 as 
we commenced use of the office space in our new production facility in Delta, British Columbia.  On an 
annualized  basis  inflationary  pressure  on  operating  expenses  was  driven  by  a  number  of  one-time 
expenses.  These  included:  costs  associated  with  restructuring  of  our  sales  and  marketing  function; 
investments  in  capacity  enhancement  projects;  increased  research  and  development  activity;  higher 
professional fees; and moving costs due to the consolidation of warehousing activities by our Seaforth 
Supply Chain Solutions subsidiary. 

  Operating income decreased by $1.1million, or 67%, to $0.5 million in the fourth quarter and decreased 

by $0.5 million, or 8%, to $5.1 million for the year, compared to the same periods last year. 

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SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

  Fourth  quarter  net  income  was  $0.7  million  compared  to $0.9  million  in  Q4  2018.    Full  year  2019  net 
income was $2.9 million, compared to $4.5 million in 2018. The improvement in annual gross profit we 
achieved  in  2019  was  offset  by  higher  operating  and  non-operating  expenses.  The  increase  in  non-
operating  expenses  was  driven  by  a  loss  on  risk  management  activities  and  the  revaluation  of  an 
embedded derivative, as well higher finance expenses following the adoption of IFRS 16 - Leases.  

  EBITDA  decreased  by  $0.6  million, or  29%,  to $1.5 million  in  the  fourth quarter  and increased by $2.6 
million,  or  25%,  to  $10.4  million  for  the  full  year,  when  compared  to  the  same  periods  in  2018.    The 
increase in annual EBITDA was largely due to the adoption of new accounting standards related to leases: 
IFRS 16 – Leases. Compared to 2018, EBITDA, excluding the impact of IFRS 16, decreased by $1.3 million, 
or  61%,  to  $0.8  million  in  Q4,  and  decreased  by  $0.4  million,  or  5%,  to  $7.3  million  for  the  full  year. 
Operationally, the change in EBITDA was driven by strong growth in processing volumes, ongoing efforts 
across the Company to enhance cost recovery and an increased financial contribution from Seaforth, our 
supply chain subsidiary. These gains were offset by a series of one-time expenses. These were specifically 
related to relocation costs, a temporary increase in natural gas costs, investment in sales team initiatives, 
research and development and a lower refund from a research and development incentive programme. 

  During  Q4  2019  the  Company  entered  into  an  asset-based  credit  facility  with  a  Canadian  bank.  The 
available balance of the credit  facility is based  on the  lower of  the Borrowing Base margins of  eligible 
assets, and $30.0 million. This credit facility replaced two former credit facilities and can be drawn on to 
fund operational and capital initiatives. 

OUTLOOK 

Looking ahead, we are targeting to record a strong year-over-year increase in annual volume once again in 
2020.  During 2019, we achieved strong growth in volumes shipped to roasters, importers and commercial 
accounts. This positive trend is a reflection of our success in winning business with new roasters and increasing 
our business with existing customers who have grown their distribution locations or expanded their product 
offerings.  

Furthermore, we continue to see an acceleration of customers converting from chemical decaffeination to 
our chemical free process.  Recognition of the Swiss Water brand continues to develop within our expanding 
portfolio of customers and with coffee consumers in North America and overseas.  Swiss Water now exports 
coffees to 60 countries and to all continents across the globe.  We also expect the increased marketing and 
sales  investments  we  have  made,  and  continue  to  make  will  drive  further  gains  in  brand  recognition  and 
customer conversion going forward. 

In  the  more  immediate  term,  we  are  closely  monitoring  the  impact  of  the  COVID-19  pandemic  on  our 
operations. The situation is dynamic and changing day-to-day so its ultimate impact on Swiss Water is difficult 
to predict. To date, the impact has been restricted to inflationary pressure on outbound freight rates to Asia. 
This is being driven by a fall in shipping traffic across the Pacific Ocean and a resulting reduction in container 
availability  for  our  exports  to  this  region.  Looking  forward,  we  may  experience  disruptions  to  business 
operations if a significant number of our employees, or those of our customers or suppliers, are quarantined 
and  unable  to  work.  We  will  continue  to  closely  monitor  the  situation  and  initiate  risk  management  and 
mitigation procedures as needed.  

Construction  of  our  new  Swiss  Water®  Process  decaffeination  facility,  which  is  located  in  Delta,  British 
Columbia, Canada, is nearly completed. Initially, this facility will house one new production line, although the 

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SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

site  is  large  enough  to  accommodate  further  expansion  as  conversion  to  chemical  free  decaffeination 
accelerates.  

During the fourth quarter of 2019, we commenced the use of the office and administration portion of the new 
facility  and began commissioning  of the  new  production line.  This process  is going well and we  anticipate 
producing commercial-grade decaffeinated coffee during the second quarter of 2020. 

Expansion of our new Delta site is likely to become necessary sooner than we had previously anticipated. In 
mid February of 2020, ownership of our legacy production site in Burnaby, BC changed hands. While our lease 
on this property, which expires in June 2023, provides for an additional five-year extension (to 2028), this is 
at the sole discretion of the landlord. Under the terms of the lease, the landlord has until June 2021 to inform 
us  of  their  intentions  –  just  two  years  before  we  have  to  vacate  should  an  extension  not  be  granted.  In 
assessing the impact of this change of ownership, we have concluded that the potential risk it poses to our 
ability  to  continue  operations  at  the  Burnaby  site  beyond  2023  is  unacceptable.  Accordingly,  in  order  to 
provide the capacity we will need to meet future demand for our coffees, we are moving forward with analysis 
to build a second production line in Delta before the lease in Burnaby expires. 

To meet the more immediate growth in demand, we completed an efficiency enhancement project in Q2 of 
2018  that  successfully  increased  the  capacity  of  our  original  facility  in  Burnaby,  BC.  Since  then,  we  have 
continued  to  pursue  further  optimization  opportunities  at  this  plant.  These  changes,  together  with  the 
capacity that was added at the same facility in 2016, are expected to be sufficient to meet anticipated growth 
in demand for our premium Swiss Water® Process coffees until the new production line is fully operational.  

As part of  an ongoing evaluation of our  cost  structure  with the  goal of increasing overall margins, we are 
continuing to review and optimize cost recovery opportunities for both Swiss Water and our Seaforth Supply 
Chain Solutions Inc. (“Seaforth”) subsidiary. While Seaforth’s operating costs rose substantially in the first half 
of  2018  due  to  a  warehouse  expansion,  there  has  been  a  notable  reduction  in  operating  costs  in  the 
subsequent  six  quarters.  During  the  third  quarter  of  2019,  we  successfully  consolidated  all  of  Seaforth’s 
operations  onto  one  expanded  site.  This  should  significantly  improve  operating  efficiency  going  forward.  
Notably, Seaforth made a materially positive contribution to the improvement in our gross profit in 2019. 

Decaffeinated coffee continues its strong, positive growth trend, in both North America and in Europe. We 
believe that this is driven by a combination of factors, including the premiumization of the coffee market and 
broader  consumer  access  to  high  quality  decaffeinated  coffee.    The  18-39  year  old  age  group  leads 
decaffeinated coffee consumption, a trend that has maintained over the past six years1. This demographic in 
particular wants to enjoy great-tasting coffee throughout the day without worrying about the potential side 
effects of excess caffeine. 

Younger  consumers  are  also  more  aware  and  concerned  about  artificial  ingredients  and  chemicals  in  the 
processing  of  their  food  and  beverages—and  expect  transparency  from  brands.  As  a  result,  we  have 
experienced increased demand for our sustainable Swiss Water® Process, which is certified Organic and uses 
zero  chemical  solvents.  Demand  for  sustainability  is  increasing  with  consumer  packaged  goods  sales  of 
products  marketed  as  sustainable  growing  5.6x  faster  than  those  that  were  not. 2  Furthermore,  43%  of 

1 National Coffee Association 2019 Coffee Drinking Trends 
2 NYU Stern Center for Sustinable Business, Sustainable Share Index™: Research on IRI Purchasing Data (2013-2018), March 11, 2019 

5 | P a g e   o f   t h e   M D & A  

 
                                                 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

consumers say they are more likely to buy coffee that is Certified Organic, and 49% of consumers say they’re 
more likely to buy coffee if it is grown in an environmentally sustainable way. 1 

The health and environmental hazards associated with methylene chloride (the primary chemical used by our 
competitors to  decaffeinate  coffee)  continues  to  garner  media  attention3 and  growing  public  concern.  It’s 
worth noting that the U.S. Environmental Protection Agency has banned the substance in paint removers4. 
We believe this rise in awareness is helping to drive consumer demand for, and customer conversion to, our 
100%  chemical  free  coffees.  Accordingly,  we  will  continue  to  proactively  invest  in  messaging  activities  to 
convey the many benefits of the Swiss Water® Process. 

Over  the  near  future,  our  primary  focus  will  be  to  position  Swiss  Water  to  maintain  our  current  growth 
momentum and enhance our operating margins.  The new European sales office we opened in Q1 of 2019 is 
now enabling us to much better serve customers in the EU, the world’s largest decaffeinated coffee market. 
This strategy is clearly bearing fruit as our European business grew by 97% through 2019 when compared to 
2018.  In  parallel,  we  are  enhancing  our  ability  to  target  specific  customer  groups  in  the  United  States. 
Developing our European and US sales teams has  increased our expenses  somewhat over the last several 
quarters. However, we expect these initiatives will enable us to generate increased volume in the longer term 
and to help drive major account wins. As converting large customers to Swiss Water® Process coffees typically 
takes  many  months,  we  believe  that  continuing  to  strengthen  our  sales  capability  is  a  critical  part  of  our 
preparation  to  ramp  up  orders  and  win  new  business  as  we  complete  the  commissioning  of  our  new 
production facility currently underway. 

Going forward, we will continue to invest in our production infrastructure and human resources to prepare 
for the significant growth that we anticipate in the future. 

BUSINESS OVERVIEW 

What we do 

Swiss Water is a premium green coffee decaffeinator located in Burnaby and Delta, British Columbia.  We 
employ  the  proprietary  Swiss  Water®  Process  to  decaffeinate  green  coffee  without  the  use  of  chemical 
solvents, leveraging science-based systems and controls to produce coffee that is 99.9% caffeine free.  Our 
process is certified organic by the Organic Crop Improvement Association and is the world’s only consumer-
branded decaffeination process.  Decaffeinating premium green coffee without the use of harmful chemical 
solvents is our primary business. 

Our  Seaforth  subsidiary  provides  a  complete  range  of  green  coffee  logistics  services  including  devanning 
coffee received from origin; inspecting, weighing and sampling coffees; and storing, handling and preparing 
green coffee for outbound shipments.  Seaforth provides all of Swiss Water’s local green coffee handling and 
storage  services.  In  addition,  Seaforth  handles  and  stores  coffees  for  several  other  coffee  importers  and 

3 The Washington Post published an article titled “EPA bans consumer use of deadly paint stripper, in rare step” on March 15, 2019 

citing deaths being caused by the chemical methylene chloride. In 2018, New Scientist published a report 
(https://www.newscientist.com/article/2138753-ozone-layer-recovery-will-be-delayed-by-chemical-leaks/) about how methylene 
chloride is slowing the regeneration of the ozone layer 

4 United States Environmental Protection Agency Regulation of Paint and Coating Removal for Consumer Use: Methylene Chloride 

(https://www.regulations.gov/document?D=EPA_FRDOC_0001-23648) 

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SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

brokers,  and  is  the  main  green  coffee  handling  and  storage  company  in  Metro  Vancouver.    Seaforth  is 
organically certified by Ecocert Canada. 

Swiss Water name and TSX symbol 

In the prior year, on September 28, 2018, Swiss Water changed its corporate name from Ten Peaks Coffee 
Company Inc. to Swiss Water Decaffeinated Coffee Inc. The name change was undertaken in order to better 
leverage the considerable brand equity in the “Swiss Water” name, as well as the related trademarks and 
intellectual property of the Swiss Water® Process. Swiss Water’s shares trade on the Toronto Stock Exchange 
under  the  symbol  ‘SWP’,  formerly  TPK.    As  at  the  date  of  this  report  9,078,780  shares  were  issued  and 
outstanding. 

Swiss Water Decaffeinated Coffee Business 

We carry an inventory of premium-grade Arabica coffees that we purchase from the specialty green coffee 
trade, decaffeinate and then sell to our customers (our “regular” or “non-toll” business).  Revenue from our 
regular business includes both processing revenue and green coffee cost recovery revenue. 

We also decaffeinate coffee owned by our customers for a processing fee under toll arrangements (our “toll” 
business).  The value of the coffee processed under toll arrangements does not form part of our inventory, 
our revenue or our cost of sales.  Revenue from toll arrangements consists entirely of processing revenue. 

Our cost of sales is comprised primarily of the cost of green coffee purchased for our regular business, plant 
labour  and  other  processing  costs  directly  associated  with  our  production  facility.  This  incorporates  an 
allocation of fixed overhead costs, which includes depreciation of our production equipment and amortization 
of our proprietary process technology.  For our regular business,  we work  with coffee  importers to source 
premium-grade green coffees from coffee-producing countries located in Central and South America, Africa 
and Asia.  The purchase price is based on the NY’C’ coffee futures price on the Intercontinental Exchange, plus 
a quality differential.  The NY‘C’ component typically makes up more than 80% of the total cost of green coffee, 
while  the  quality  differential  typically  accounts  for  less  than  20%.    Both  the  NY‘C’  price  and  the  quality 
differential fluctuate in response to fundamental commodity factors that affect supply and demand. 

KEY PERFORMANCE DRIVERS 

The following key performance drivers are critical to the successful implementation of our strategy and ability 
to improve profitability and cash from operations: 

External Factors 

  Coffee Futures Prices – We buy and sell coffees based on the NY’C’ plus the quality differentials for 
specified  coffees,  both  of  which  rise  and  fall  in  response  to  changes  in  supply  and  demand.    We 
manage our exposure to changes in the NY’C’ futures price on the value of our inventories through a 
commodity  hedging  program  (discussed  under  ‘Hedge  Accounting’  below),  but  cannot  hedge  our 
exposure  to  changes  in  quality  differentials.  In  addition  to  the  price  risks  associated  with  holding 
coffee inventories, our revenue and cost of sales are affected by changes in the underlying commodity 
price.  Commodity price increases (decreases) raise (lower) the green coffee cost recovery revenue 
generated through our non-toll business, as well as the costs of green coffee sold to customers to 
generate sales. 

Changes in the NY’C’ also affect our statement of financial position and the amount of working capital 
we  use  in  our  business.    When  coffee  prices  rise  (fall),  our  inventory  values  gradually  increase 

7 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

(decrease) as we replace coffee at higher prices.  Our accounts receivable and our accounts payable 
also rise and fall with the NY’C’.  Finally, there is no open market to hedge the quality differential 
component of our green coffee cost.  We sell coffee at replacement quality differentials, and as such, 
in a period of falling (rising) differentials, we will generate differential cost recovery losses (gains), as 
green coffee revenues will be less than (exceed) green coffee costs. 

The chart below shows the movement in the NY’C’ for the last eight quarters:  

In Q4 2019, the NY’C’ averaged US$1.12/lb compared to an average of US$1.09/lb in Q4 2018. For 2019, the 
NY’C averaged US$1.01/lb, compared to US$1.12/lb for 2018. The rise and fall of the NY’C’ affects our volume 
of  shipments,  our  revenues  and  our  cost  of  sales.    In  an  upward  trending  market,  our  customers  tend  to 
consume their inventories rather than build them. When the NY’C’ declines over a sustained period (as it has 
for the past 12 months), our customers tend to add to their inventories. 

  US$/C$ Exchange Rates – As noted above, the majority of our revenues are generated in US dollars, 
while a significant portion of our costs is paid in Canadian dollars.  We, therefore, have exposure to 
changes  in  the  US$/C$  exchange  rates.    This  is  managed,  in  part,  through  derivative  financial 
instruments.  All other factors being equal, our profitability and cash from operations will be higher 
when  the  US  dollar  appreciates  relative  to  the  Canadian  dollar.    A  long-term  depreciation  of  the 
Canadian dollar will improve our long-term profitability and cash generation. 

8 | P a g e   o f   t h e   M D & A  

 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

The chart below illustrates the US$ to Canadian dollar (“C$”) exchange rates for the last eight quarters: 

In Q4 2019, the US$ averaged C$1.32, remaining flat over the same period in 2018.  In 2019, the US$ averaged 
C$1.33, an increase of 2% over the same period last year.  During 2019 the US$ ranged between C$1.30 and 
1.36 (2018: between C$1.23 and C$1.36).  When the US$ depreciates (appreciates), it decreases (increases) 
our gross profit on green coffee revenues. 

Internal Factors 

  Sustainability and Environmental Responsibility – The Swiss Water® Process is a 100% chemical free 
decaffeination process that enables us to consistently deliver high-quality coffee.  Our approach to 
sustainability  is  to  continually  improve  and  innovate  this  process  to  be  more  efficient  by  actively 
managing resource usage in a safe and environmentally responsible manner. In addition to carefully 
managing our operations, we take steps to ensure sustainable coffee supply by purchasing sustainably 
certified coffees and organic coffees.  We promote social sustainability by participating in programs 
within the coffee industry that advance the health of women and their families living in coffee-growing 
communities  (Grounds for Health) and that foster research-based approaches  to advancing coffee 
cultivation (World Coffee Research). 

  Processing Volumes – Our decaffeination facility generates a certain level of fixed operating costs that 
are incurred regardless of the volume of coffee processed.    Accordingly, our profitability and cash 
from operations will increase as processing volumes increase. Processing volume is a key performance 
indicator (“KPI”) that we monitor continuously. 

9 | P a g e   o f   t h e   M D & A  

 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

  Process Consistency – We manage our operations in order to reduce variability in production and drive 
continuous  improvement.  Production  consistency  results  in  improved  product  quality.  We  have 
developed  a  number  of  KPIs  designed  to  monitor  process  consistency,  and  have  set  targets  for 
continuous process improvement. 

  Product Quality – Quality control is a key part of our operations. We operate under the Food Safety 
Systems Certification (FSSC) 22000, which manages our food safety, as well as HACCP (Hazard Analysis 
Critical Control Points) and quality assurance programs. All green coffees delivered to our processing 
facility are weighed and inspected and are subject to rigorous internal quality-control evaluations. 
Each  lot  of  green  coffee  processed  is  monitored  throughout  the  decaffeination  process,  and  a 
certificate of  analysis  is  prepared  for each  lot.  A  sample  from  each  production  lot  is  also  roasted, 
brewed and cupped to ensure quality. In addition, our focus on reducing the size of production lots 
and  increasing  inventory  turnover  results  in  fresher  coffee  being  provided  to  our  customers. 
Production batch size and inventory turns are two other KPIs that we monitor regularly. 

  Order  Fulfillment  –  Our  integrated  supply  chain  management  strategy  includes  maintaining 
inventories of finished goods at various coffee warehouses throughout North America, and of raw 
goods  for  improved  inventory  replenishment  times.  Our  order  fulfillment  rates  are  monitored 
regularly. An improved order fulfillment rate has contributed to our volume growth and improved 
customer service levels. 

  Employee  Safety  –  We  are  focused on  operating  our  business  in  a  safe  manner,  and  reducing  the 
likelihood that employees will be injured at work. We track employee safety metrics by department, 
and  our  safety  committee  proactively  seeks  ways  to  reduce  the  risks  inherent  in  our  operating 
environment.  While  we  cannot  completely  eliminate  workplace  incidents  or  accidents,  we  have 
significantly reduced the number of safety-related incidents over the past few years. We believe that 
ensuring employee safety leads to improved employee retention and morale, increased efficiency and 
lower operating costs. 

CAPACITY TO DELIVER RESULTS 

 The following resources allow us to deliver on our business strategy: 

  Proprietary  Chemical  Free  Production  Lines  –  We  have  two  decaffeination  production  lines.  This 
enables us to align our production capacity with changes in demand throughout the year. We operate 
one line when demand is lower, and both lines when demand is higher, giving us better control over 
our variable costs. As discussed above, we completed an efficiency enhancement project in Q2 2018 
to increase capacity at our current operating facility and in 2016, we expanded the capacity of one of 
our  production  lines,  which  enables  us  to  meet  near-term  growth  in  demand  for  our  products. 
Construction of the new facility in Delta will enable us to meet our long term growth ambition. 

  Consumer Branding as the Premium, 100% Chemical Free Method of Decaffeinating Green Coffee – 
We  have  been  successful  in  establishing  our  brand  as  a  leading  chemical  free  processor  of  green 
decaffeinated coffee. Consumers and participants in the coffee trade are increasingly aware of the 
value of the chemical free Swiss Water® Process due to its quality and taste. We believe that there is 
significant potential to continue to broaden consumer awareness of the benefits of the Swiss Water® 
Process. 

10 | P a g e   o f   t h e   M D & A  

 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

  Established Customer Base – The Swiss Water® Process has an established customer base across North 
America and in many international markets. Our customers include some of North America’s largest 
roasters, roaster-retailers and leading coffee brands. 

  Broad  Distribution  Channels  –  Green  coffee  decaffeinated  using  the  Swiss  Water®  Process  is  sold 
through  the  coffee  market’s  key  distribution  channels:  roaster  retailers,  commercial  roasters  and 
coffee importers.  This diversity ensures that we access all key segments of the specialty coffee trade 
and consumer coffee markets. 

  Working Capital and Expansion Capital – In 2015, 2016, 2018, and 2019 we raised equity and debt 
which is being used to fund the construction of our third production line (to be housed in the new 
production  facility  noted  above).    In  2020,  we  will  continue  to  revisit  our  budgets  and  financing 
strategy to ensure that we have sufficient funds to execute on our business strategy.  We expect to 
utilize internally generated and external funds to finance the capital costs associated with the new 
production facility and its future growth. 

  Management  Expertise  –  Swiss  Water  is  highly  regarded  in  the  coffee  industry  for  our  senior 
management team’s substantial experience, our close attention to consumer trends in the specialty 
coffee market, and our in-depth knowledge of green and roasted coffee.  In particular, our intense 
focus on premium product quality and commitment to science-driven insight is well recognized.  To 
maximize these strengths, we have invested significant resources in enhancing our team’s industry-
related  skills  and  talents  over  the  past  few  years.    Going  forward,  we  intend  to  leverage  our 
exceptional experience with, and knowledge of, the specialty coffee industry to continue to build our 
business. 

OPERATING RESULTS 

Revenue 

We  categorize  our  customers  by  the  nature of  their business:  either  coffee  importers  or  roasters.    Coffee 
importers act like grocery stores to roasters, sourcing and importing green coffee from various origins and 
carrying a selection of different origins and quality levels for roasters to choose from.  Importers buy from us 
in order to resell our coffees to roasters when and where they need it.  Roasters are in the business of roasting 
and packaging coffee for sale to consumers in their own coffee shops, or for home or office use.  Roasters 
either  buy  directly  from  Swiss  Water,  or  they  buy  from  an  importer.    Roasters  generally  carry  lower 
inventories, as they tend to take delivery of green coffee shortly before roasting it.  As such, shipments to 
roasters are more stable than those to importers from period to period. 

We also monitor and report our revenue in three categories.  “Process revenue” represents the amount we 
charge our customers for decaffeinating green coffee, and it generally increases as our processing volumes 
increase.  “Green coffee cost recovery revenue”, or “green revenue”, is the amount we charge our customers 
for the green coffee we purchase for decaffeination.  “Distribution revenue” consists of shipping, handling, 
and warehousing charges billed to our customers.  It typically rises with our processing volumes and with the 
growth of Seaforth’s business. 

11 | P a g e   o f   t h e   M D & A  

 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

Our revenue by category for the indicated periods was: 

(In $000s)  
(unaudited) 

Process revenue 
Green revenue 
Distribution revenue 

Total revenue 

3 months ended December 31, 
2018 

2019 

6,895  $ 

16,278 
1,850 

$ 

5,974 
15,406 
1,599 

Year ended December 31, 
2018 
23,894 
60,197 
5,848 

2019 
26,852  $ 
63,047 
7,331 

25,023  $ 

22,979 

$ 

97,230  $ 

89,939 

$ 

$ 

For the quarter  ended December 31, 2019,  sales  totaled $25.0 million, an  increase of  $2.0 million,  or  9%, 
compared to  the  same  quarter  in  2018.  Sales  for  the  year  2019 totaled  $97.2  million,  an  increase  of $7.3 
million, or 8%, over the same period last year. 

The increases in our sales in the fourth quarter and in 2019 by revenue category are as follows: 

  Process revenue  increased  by $0.9 million, or 15%  in  Q4, and increased by $3.0 million, or 12% in 
2019. Increases in both periods reflect growth in our processing volumes and a higher average US$ 
exchange rate. 

  Green revenue increased by $0.9 million, or 6% in Q4, and increased by $2.9 million, or 5% in 2019. 
These increases were due to growth in green coffee sales volumes, offset by a lower coffee futures 
price, NY’C’, in such periods.  

  Distribution revenue rose by $0.3 million, or 16% in Q4, and increased by $1.5 million, or 25% in 2019. 
Enhanced distribution revenue has been driven by increased volumes of stored coffee, and revenue 
management initiatives.  

The increases in our sales volume in the fourth quarter and in 2019 by geographical segment are as follows: 

 

 

 

Sales volume in North America increased by 4% in Q4, and by 6% in 2019, 

Sales volume in Europe increased by 116% in Q4, and by 97% in 2019, 

Sales volume in Asia Pacific increased by 54% in Q4, and by 54% in 2019. 

The increases in sales volumes by geographical segment are consistent with our strategic efforts to leverage 
existing  relationships  with  customers  in  North  America  while  establishing  a  sales  presence  in  France  to 
enhance sales growth and penetration in the European market. 

Cost of Sales 

Cost of sales includes the cost of green coffee purchased for our regular business, the plant labour and other 
processing costs  directly  associated with our production facility, customer-specific  hedges  and commodity 
hedges.  The cost of sales incorporates an allocation of fixed overhead costs, which includes depreciation of 
our production equipment and amortization of our proprietary process technology.  In addition, cost of sales 
includes the costs of operating Seaforth’s warehouses. 

Our fourth quarter cost of sales increased by $1.6 million, or 8%, to $20.9 million this year compared to the 
same period in 2018. For 2019, our cost of sales was $80.7 million, up by $5.7 million, or 8%, over the same 
period last year. The increase  is  broadly the  result of higher variable production costs  associated with the 
growth in production volumes and annual labour cost inflation, partially offset by a decrease in green coffee 
costs, which is a significant portion of our cost of sales. 

12 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

In 2019, we also absorbed higher natural gas costs as a result of a spike in the spot market for natural gas, due 
to a pipeline explosion in October 2018 and a polar vortex (extended period of abnormally cold weather) in 
March 2019 which significantly reduced the supply of gas.  Natural gas prices normalized in the second to 
fourth quarter of 2019. 

Gross Profit  

Gross profit increased by 11% to $4.1 million for the fourth quarter of this year, as higher revenues more than 
offset  the  increases in our  cost of sales.  Gross  profit  for  the year  2019  increased by  11% to $16.5 million, 
compared to the same period last year, despite the impact of higher energy costs in Q1 2019. Full year results 
have  been  positively  impacted  by  increased  processing  volumes,  revenue  management  initiatives,  and 
leveraging enhanced cost recovery, without compromising the quality of our coffee. 

Administration Expenses 

Administration  includes  general  management,  inbound  and  outbound  logistics,  finance  and  accounting, 
quality control and assurance, engineering, research and development, and other administrative or support 
functions.  Administration  expenses  include  compensation  expenses,  travel  and  other  personnel-related 
expenses for administrative staff, directors’ fees, investor relations expenses, professional fees, depreciation 
of office-related equipment, and amortization of the brand asset. 

Administration  expenses  for  Q4  2019  totaled  $1.8  million.  This  is  an  increase  of  $0.9  million,  or  103%, 
compared to the same period last year.  Administration expenses for the year 2019 increased by 29% to $6.9 
million. Throughout the year the increase to administrative expenses largely reflects costs incurred to support 
strategic growth initiatives for 2019, salary inflation as a consequence of our annual cost of living adjustment, 
moving costs as we consolidated Seaforth’s operation into one location in Delta, and increased research and 
development  expenditures  in  Q2  2019.  In  addition,  in  Q4  2018  we  benefited  from  a  Canadian  Scientific 
Research and  Experimental  Development incentive tax  credit of $0.4 million, while  for the same period in 
2019 the amount was not significant. 

Sales and Marketing Expenses 

Sales  and  marketing  expenses  include  compensation  and  other  personnel-related  expenses  for  sales  and 
marketing  staff,  consumer  initiatives,  trade  advertising  and  promotion  costs,  as  well  as  related  travel 
expenses. We invest in research regarding the behavior of decaffeinated coffee consumers. These insights 
enable  us  to  create  effective  consumer  advertising  programmes,  and  they  form  a  cornerstone  of  the 
consultative services we provide to our customers. We also aim to grow brand awareness with both the coffee 
trade and consumers. We employ a range of marketing activities to achieve this, including digital and print 
advertising, social media communications and trade show exhibiting and sponsorship at key industry events. 

Sales and marketing expenses were up by $0.4 million, or 36%, to $1.5 million in Q4 2019, and by $0.4 million, 
or 9%, to $4.1 million for 2019, compared to the same periods in 2018.  The increases in both periods were 
driven  by  initiatives  in  Europe  and  the  United  States.    Specifically,  higher  investment  in  brand  awareness 
activities, and in support of our strategic growth initiatives. 

Occupancy Expenses 

Occupancy  expenses  include  the  cost  of  renting  offices  for  sales,  marketing  and  administrative  use.  
Occupancy costs for the fourth quarter and 2019 increased by $0.2 million in Q4 2019, and increased by $0.1 

13 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

million  for  the  full  year.  In  2019  we  experienced  higher  costs  for  occupancy  expenses,  as  in  Q4  2019  we 
commenced use of the administrative office at our new production facility in Delta, British Columbia. 

Finance Expenses and Income 

Finance income reflects the charges we bill to customers for financing coffee inventories and interest earned 
on cash balances and short-term investments.  Finance expenses include interest costs on credit facilities and 
bank debt, other borrowings, the accretion expense on our asset retirement obligation, interest expense on 
a convertible debenture and interest expense on finance leases. 

The net finance expense was $0.2 million for the three months ended December 31, 2019, and $1.4 million 
for the year ended December 31, 2019, respectively, compared to net finance expense of $0.2 million and 
$0.9 million in the same periods last year. The lower interest income from short-term investments maturing 
in 2019 combined with  the  interest expenses on  a convertible debenture  and  interest expense on  finance 
leases, due to the adoption of IFRS 16 in 2019, accounted for the majority of the changes. 

Interest on the convertible debenture is expensed at an effective interest rate of 12.15% (a rate determined 
by management in accordance with IFRS), while the contractual interest paid on this loan is at a rate of 6.85%, 
causing the amortization of the bond discount to change over time. 

The  adoption  of  IFRS  16  –  Leases  in  2019  resulted  in  interest  expenses  of  $0.1  million  and  $0.4  million 
recognized during the three months and the year ended December 31, 2019, while there was no such cost in 
2018. 

During the construction phase of our Delta facility, interest expense related to the construction loan and the 
Delta lease is capitalized in the property, plant and equipment. 

Gains and Losses on Risk Management Activities 

Under hedge accounting, gains or losses on designated hedges are included in either revenue or cost of sales, 
held on the balance sheet or included in other comprehensive income for future transactions (see ‘Hedge 
Accounting’, above).  Thus, ‘Gain (loss) on risk management activities’ includes only those gains and losses on 
derivative  financial  instruments  or  portions  of  such  instruments  that  are  not  designated  as  hedging 
instruments. 

For the three months and the year ended December 31, 2019, we recorded a gain of $0.4 million and $1.4 
million respectively, compared to a loss of $0.6 million and $0.01 million recorded for the same periods in 
2018. 

Fair Value Adjustment on Embedded Option 

Swiss Water entered into a convertible debenture in October 2016.  Under IFRS, this instrument is deemed to 
contain an embedded option that must be revalued at each balance sheet date.  The fair value of the derivative 
liability was determined using the Black-Scholes Option Pricing Model.  The variables and assumptions used 
in computing the fair value are based on management’s best estimate at each balance sheet date. 

The revaluation on this embedded option resulted in losses of $0.01 million in the fourth quarter of 2019 and 
$0.8 million for the year-to-date, compared to gains of $0.8 million and $1.8 million, respectively, in the same 
periods of last year. 

14 | P a g e   o f   t h e   M D & A  

 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

Gains and Losses on Foreign Exchange 

We realize gains and losses on transactions denominated in foreign currencies when they occur, and on assets 
and  liabilities  denominated  in  foreign currencies  when  they  are  translated  into  Canadian  dollars  as  at  the 
financial statement date. 

During the fourth quarter, we recorded a loss on foreign exchange of $0.2 million, compared to $ 0.04 foreign 
exchange  gain  or  in  the  same  period  last  year.  The  full  year  amount  for  2019  was  a  loss  of  $0.4  million 
compared to a loss of $0.3 million in the same period of 2018. 

Income Before Taxes and Net Income 

In the fourth quarter of 2019, we recorded income before taxes of $0.9 million, compared to $1.6 million in 
the same period in 2018.  Current and deferred income tax reduced our net income by $0.2 million for the 
quarter, compared to $0.7 million in Q4 2018.  Deferred income taxes arise mainly from temporary differences 
between the depreciation and amortization expenses deducted for accounting purposes, and the capital cost 
allowances  deducted  for  tax  purposes,  as  well  as  changes  in  corporate  income  tax  rates  as  adjusted  for 
substantively enacted higher  future tax rates.  The latter  is offset  by the  tax  benefit  of loss carryforwards 
recognized.  Overall, we recorded a net income of $0.7 million in Q4 2019, compared to $0.9 million in the 
same quarter last year. 

For 2019, we recorded pre-tax income of $4.0 million, down from $6.2 million in 2018. This was reduced by 
income tax expenses of $1.1 million, compared to income tax expense of $1.7 million in the same period last 
year.  Overall, we recorded net income of $2.9 million for the year-to-date, compared to $4.5 million a year 
ago. 

Other Comprehensive Income 

Gains or losses on our designated revenue hedges that will mature in future periods are recorded in other 
comprehensive income, net of income tax expense.  Other comprehensive income, net of tax, for the fourth 
quarter of 2019 was a gain of $0.7 million, compared to a loss of $2.6 million in the same period of 2018. Other 
comprehensive income, net of tax, for 2019 was a gain of $1.9 million, compared to a loss of $4.0 million in 
the same period of 2018. In both periods, the increases and decreases are related to fluctuations in the value 
of the Canadian dollar versus the US dollar. 

Basic and Diluted Earnings per Share 

Basic earnings per share are calculated by dividing net income by the basic weighted average number of shares 
outstanding during the period.  Similarly, diluted earnings per share  are  calculated by dividing net income 
adjusted for the effects of all dilutive potential common shares, by the diluted weighted average number of 
shares  outstanding.    For  the  purposes  of  the  calculation,  under  IFRS  we  are  required  to  assume  that  the 
maximum  number  of  shares  issuable  under  the  convertible  debenture  will  be  issued,  even  though  the 
debenture contains a net share settlement provision (which if exercised would result in far fewer shares being 
issued). 

In  the  fourth  quarter  and  the  year 2019,  both  potential  common  shares  issuable  under  the  RSU Plan  and 
common  shares  issuable  for  the  convertible  debenture  are  anti-dilutive  and  therefore  excluded  from  the 
calculation of diluted earnings per share in such periods.  In comparison, for the same periods of 2018, only 
potential common shares issuable under the RSU Plan are anti-dilutive and excluded from the calculation. 

15 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

The calculations of basic and diluted earnings per share for the current and prior periods are shown in the 
following table: 

(In 000s except for per share data) 
(unaudited) 
Basic earnings per share 
Net income attributable to shareholders 
Weighted average number of shares 

Basic earnings per share 
Diluted earnings per share 
Net income attributable to shareholders 
Interest on convertible debenture 
Gain on fair value adjustment of the embedded option 

Net income after effect of diluted securities 
Weighted average number of shares – basic 
Effect of diluted securities: convertible debenture 

Weighted average number of shares - diluted 
Diluted earnings per share 

QUARTERLY INFORMATION / SEASONALITY 

3 months ended December 31, 
2018 

2019 

Year ended December 31, 
2018 

2019 

716 
9,061,210 

$ 

919  $ 

2,944  $ 

9,061,210 

9,061,210 

4,531 
9,058,149 

0.08 

$ 

0.10  $ 

0.32  $ 

0.50 

716 
- 
- 

919 
272 
(813) 

2,944 
- 
- 

716 
9,061,210 
- 

9,061,210 
0.08 

$ 

$ 

378  $ 

2,944  $ 

9,061,210 
1,818,182 

10,879,392 

9,061,210 
- 

9,061,210 

0.03  $ 

0.32  $ 

4,531 
1,063 
(1,799) 

3,795 
9,058,149 
1,818,182 

10,876,331 
0.35 

$ 

$ 

$ 

$ 

The  following table summarizes  results for each of the  eight most recently completed fiscal quarters.  For 
comparative purposes, we have also provided the averages for the previous 8-quarter period: 

In $000s except for per share 
amounts (unaudited) 
Sales 
Gross Profit 
Operating income 
EBITDA1 
EBITDA excluding IFRS 162 
Net income (loss) 
Per Share3 
Net income (loss) - basic 
Net income (loss) - diluted 

8 Quarter 
Average 

Q3 
Q4 
2019 
2019 
23,396  25,023  23,645 
4,737 
4,106 
2,291 
539 
3,485 
1,454 
2,696 
797 
884 
716 

3,927 
1,349 
2,261 
1,886 
934 

Q2 
2019 
24,392 
4,106 
1,356 
3,097 
2,278 
1,353 

Q1 
2019 
24,170 
3,544 
976 
2,312 
1,573 
(9) 

Q4 
2018 
22,979 
3,686 
1,618 
2,050 
2,050 
919 

Q3 
2018 
23,087 
4,439 
1,927 
2,717 
2,717 
1,828 

Q2 
2018 
22,658 
3,952 
1,528 
1,868 
1,868 
1,294 

Q1 
2018 
21,215 
2,842 
555 
1,106 
1,106 
489 

0.10 
0.08 

0.08 
0.08 

0.10 
0.10 

0.15 
0.14 

(0.00) 
(0.00) 

0.10 
0.03 

0.20 
0.18 

0.14 
0.10 

0.05 
0.03 

1 EBITDA is defined in the ‘Non-IFRS Measures’ section of this MD&A and is a “Non-GAAP Financial Measure” as defined by CSA Staff Notice 52-306. 
2 EBITDA excluding the impact of IFRS 16 - Leases is defined as EBITDA, less lease payments made during the year. 
3 Per-share calculations are based on the weighted average number of shares outstanding during the periods. 

There is an element of seasonality in our business, in that the second half of the year tends to have higher 
volumes and revenues. 

NON-IFRS MEASURES 

EBITDA and EBITDA which excludes the impact of IFRS 16 - Leases 

EBITDA  is  often  used  by  publicly  traded  companies  as  a  measure  of  cash  from  operations,  as  it  excludes 
financing costs, taxation and non-cash items.  The reporting of EBITDA is intended to assist readers in the 
performance  of  their  own  financial  analysis.    However,  since  this  measure  does  not  have  a  standardized 
meaning prescribed by IFRS, it is unlikely to be comparable to similar measures presented by other entities. 

16 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

We  define  EBITDA  as  net  income  before  interest,  depreciation,  amortization,  impairments,  share-based 
compensation, gains/losses on foreign exchange, gains/losses on disposal of property and capital equipment, 
fair value adjustments on embedded options, and provision for income taxes.  Our definition of EBITDA also 
excludes unrealized gains and losses on the undesignated portion of foreign exchange forward contracts. 

EBITDA for the three months ended December 31, 2019 was $1.5 million, down by 29% compared to Q4 2018. 
For the year, EBITDA increased by 34% to $10.4 million, compared to the same period in 2018. In 2019, we 
adopted IFRS 16  –  Leases,  without  restating comparative  amounts  for the year 2018, as permitted by the 
standard. For the year ended December 31, 2019, the adoption of IFRS 16 resulted in the recognition of $1.9 
million in depreciation expense and $0.4 million in interest expense, which are costs that are not included in 
the calculation of EBITDA.  In the prior year 2018, these leases were classified as operating leases, under IAS 
17 – Leases, and their related minimum lease payments were recognized as a part of EBITDA. 

For  the  three months  ended  December  31,  2019  EBITDA, which excludes  the  impact  of  IFRS 16,  was $0.8 
million, down by 61% compared to Q4 2018. For the year, EBITDA excluding the impact of IFRS 16 decreased 
by 5% to $7.3 million, compared to the same period in 2018. Operationally, the change in EBITDA was driven 
by strong growth in processing volumes, successful and continuous efforts across the Company to enhance 
cost  recovery  and  an  increased  financial  contribution  from  Seaforth.  The  positive  impacts  were  offset  by 
moving cost as leases concluded and we consolidated Seaforth’s operations in Delta, a temporary increase to 
natural gas in the first two quarters of 2019, a strategic investment in sales team and initiatives, research and 
development  for efficiencies  and a lower  2019 refund from Canadian scientific research and  experimental 
development incentive tax credit. 

The reconciliation of net income to EBITDA is as follows: 

(In $000s)  
(unaudited) 

3 months ended December 31, 
2018 

2019 

Year ended December 31, 
2018 

2019 

Income for the period 
Income taxes 
Income before tax 
Finance income 
Finance expenses 
Depreciation & amortization 
Unrealized (gain) loss on foreign exchange forward 
contracts 
Fair value loss (gain) on the embedded option 
Loss on foreign exchange 
Share-based compensation 
EBITDA 

Impact of IFRS 16, which was adopted in the year 2019 
EBITDA excluding the impact of IFRS 16 

$ 

$ 

$ 

$ 

716 
193 
909 
(134) 
(85) 
804 
(488) 

12 
190 
246 
1,454 
(657) 
797 

$ 

$ 

$ 

$ 

919 
718 
1,637 
(143) 
373 
426 
626 

(813) 
(38) 
(18) 
2,050 
-  
2,050 

$ 

$ 

$ 

$ 

2,944  $ 
1,059 
4,003  $ 
(511) 
1,911 
3,697 
(830) 

4,531 
1,689 
6,220 
(530) 
1,457 
1,689 
188 

770 
425 
885 
10,350  $ 
(3,006) 

7,344  $ 

(1,799) 
278 
242 
7,745 
-  
7,745 

17 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

To  help  readers  better  understand  our  financial  results,  the  following  table  shows  the  reconciliation  of 
operating income to EBITDA: 

(In $000s)  
(unaudited) 

Operating income for the period 
Add back: 
Depreciation & amortization 
Share-based compensation 
Gain (loss) on risk management activities 
Deduct:  
Unrealized (gain) loss on foreign exchange forward 
contracts 

3 months ended December 31, 
2018 

2019 

Year ended December 31, 
2018 

2019 

$ 

539 

$ 

1,618 

$ 

5,162  $ 

5,631 

804 
246 
353 

426 
(18) 
(602) 

3,697 
885 
1436 
1,436 

1,689 
242 
(5) 

(488) 

626  

(830) 

188 

EBITDA 

Impact of IFRS 16, which was adopted in the year 2019 
EBITDA excluding the impact of IFRS 16 

$ 

$ 

1,454 

$ 

(657) 
797 

$ 

2,050 

-  
2,050 

$ 

$ 

10,350  $ 

(3,006) 

7,344  $ 

7,745 

-  
7,745 

SELECTED ANNUAL INFORMATION 

(In $000s except per share amounts) 
(unaudited) 
Balance Sheet 
Total assets 
Total non-current liabilities 
Income Statement 
Revenue 
Net income 
EBITDA1 
EBITDA excluding impact of IFRS 162  
Dividends paid 
Per share, basic 3 
Net income 
EBITDA1 
EBITDA excluding impact of IFRS 162 
Dividends paid 
Per share, diluted 3 
Net income 
EBITDA 1 
EBITDA excluding impact of IFRS 162 

December 31,  
2019 

December 31,  
2018 

December 31,  
2017 

136,881 
66,445 

97,230 
2,944 
10,350 
7,344 
2,265 

0.32 
1.14 
0.81 
0.25 

0.32 
1.14 
0.81 

86,881 
27284 
27,284 

89,939 
4,531 
7,745 
7,745 
2,262 

0.50 
0.85 
0.85 
0.25 

0.35 
0.71 
0.71 

72,848 
19,497 

83,755 
4,160 
6,923 
6,923 
2,260 

0.46 
0.77 
0.77 
0.25 

0.42 
0.64 
0.64 

1 EBITDA is defined in the ‘Non-IFRS Measures’ section of this MD&A and is a “Non-GAAP Financial Measure” as defined by CSA Staff Notice 52-306. 
2 EBITDA excluding the impact of IFRS 16 - Leases is defined as EBITDA, less lease payments made during the year. 
3 Per-share calculations are based on the weighted average number of shares outstanding during the periods. 

Our total assets and our total long-term liabilities increased in each of the last two years as we are investing 
in constructing a new production facility and due to the adoption of IFRS 16 – Leases. Our new state of the art 
production facility in Delta, BC, for which construction commenced in 2016, increased our total assets by $24.8 
million in 2019 and by $23.9 million in 2018, respectively (see ‘Outlook’ section, above). IFRS 16 – Leases was 
adopted  in  the  year  2019,  which  resulted  in  an  increase  of  $24.0  million  to  total  assets.    Total  long-term 
liabilities increased in both years consistently with the additions to our new plant and the new IFRS 16. 

18 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

LIQUIDITY AND CAPITAL RESOURCES 

Operating activities 

For  the  three  months  and  year  ended  December  31,  2019,  we  generated  $0.7  million  and  $7.4  million, 
respectively, in net cash from operating activities, compared to $2.5 million and $5.7 million generated in the 
same periods in 2018. In 2019, we adopted IFRS 16 – Leases, and as required by the new standard, for the 
three and year ended December 31, 2019, we accounted for lease liability payments of $0.4 million and $1.8 
million, respectively, as cash outflows under financing activities. These cash outflows were reported under 
operating activities in 2018. 

Investing Activities 

Cash outflows in investing activities for Q4 2019 were $4.1 million, compared to cash outflows of $10.4 million 
in Q4 2018.  Cash outflows from investing activities for 2019 were $18.7 million, compared to cash outflows 
of $14.0 million in the same period last year.  In both years the majority of cash outflows were for capital 
expenditures related to our plant expansion in Delta, BC. In 2018 proceeds from short-term investments were 
$7.0 million while there were no such investments made in 2019. 

Financing Activities 

During the year ended December 31, 2019, Swiss Water paid $2.3 million in dividends to shareholders. This is 
unchanged from 2018. Throughout the years 2019 and 2018 we received proceeds from our construction loan 
in the amount of $10.6 million and $9.4 million, respectively, which were used to pay for costs of our new 
production plant in Delta. Also, in the year 2019, we drew $3.5 million from our new credit facility to pay for 
operational  and  capital  initiatives.  In  accordance  with  IFRS  16  –  Leases,  which  was  adopted  in  2019,  our 
financing cash outflows include amounts for lease payments, which, in the year 2019, were $1.8 million and 
$nil in 2018.  In 2018, such principal portion of the lease payments were disclosed in cash flows from operating 
activities. 

Inventory 

Our inventory increased in value by 29% and in volume by 19% between December 31, 2018 and December 
31, 2019.  The increase reflects a higher NY’C’ in the current year, as well as an increase in volume in raw 
materials albeit a decrease in finished goods inventory. 

Under hedge accounting, gains and losses on derivative instruments for coffee to be sold in future periods are 
recorded in inventory.  The hedge accounting component of inventory as at December 31, 2019 was a gain of 
$1.3 million compared to a loss of $0.6 million at the end of 2018. 

Accounts Receivable 

Our accounts receivable increased by $0.3 million, or 2%, between December 31, 2018 and December 31, 
2019 compared to an increase of $2.2 million, or 18%, between December 31, 2017 and December 31, 2018. 
87% of Swiss Water accounts receivable are current as at December 31, 2019. The majority of the past due 
amounts were collected shortly after the year end. 

Credit Facilities and Liquidity 

On October 18, 2019, Swiss Water entered into a revolving credit facility agreement (“Credit Facility”), with a 
Canadian Bank, for borrowings up to the lower of the Borrowing Base and $30.0 million.  The Credit Facility’s 
Borrowing  Base  margins  eligible  inventories  and  accounts  receivable,  commodity  hedging  account  equity 

19 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

margin plus its market-to-market gains, which are netted against any losses in the commodity account and 
foreign exchange contract facility.  Amounts can be drawn in either Canadian or in US$ dollars and can be 
borrowed, repaid, and re-borrowed to fund operations, capital expansions, letters of credit and for general 
corporate purposes.  The maturity date is October 18, 2022, however, we can repay the Credit Facility at any 
time on or before the maturity date as long as the outstanding balance is not in excess of the borrowing base.  
The maturity date can be extended, subject to the lenders’ approval. 

The Credit Facility has multiple interest rate options that are based on the Canadian Prime Rate, Base Rate, 
LIBO Rate, Bankers’ Acceptance Rate plus an acceptance fee, in addition to an Applicable Margin for each of 
these rates. Fees apply to outstanding letters of credit and the unused portion of the credit.  The Company 
has pledged substantially all of its assets, except for assets pledged to BDC under the Term Loan (see below, 
Construction  Loan).  This  Credit  Facility  replaced  two  former  credit  facilities,  the  $14.5  million  revolving 
operating line of credit and the $1.5 million swing operating line of credit. 

In addition, as a part of the Credit Facility, we have a US$8.0 million foreign exchange and commodity futures 
contract facility, which allows us to enter into spot, forward and other foreign exchange rate transactions with 
our bank with a maximum term of 60 months. 

Our facilities  are  collateralized by general security  agreements  over all of the assets of  Swiss Water  and a 
floating hypothecation agreement over cash balances. 

We have certain bank covenants that relate to the maintenance of specified financial ratios and we were in 
compliance with all covenants in the years 2018 and 2019. 

Construction Loan 

In Q4 2018, the Company completed a transaction with the Business Development Bank of Canada (“BDC”) 
for a term loan facility (“Term Loan”) of up to $20.0 million.  The purpose of the Term Loan is to assist in the 
financing of new equipment for the facility being built in Delta, British Columbia.  The Term Loan bears interest 
at 4.95% per annum over 12 years with principal repayment commencing on July 1, 2021. 

The Term Loan matures on June 1, 2033.  Only interest will be paid on the outstanding balance on a monthly 
basis prior to July 1, 2021.  The Term Loan is secured by a general security agreement and a first security 
interest on all existing equipment and machinery plus new equipment and machinery financed with the Term 
Loan.  Seaforth has provided a guarantee for the Term Loan.  As of  December 31, 2019, the  loan amount 
outstanding was $20.0 million with interest accrued of $0.08 million. 

Contractual Obligations 

The following table sets forth our contractual obligations and commitments as at December 31, 2019: 

(In $000s) 
(unaudited) 
Long-term debt1 
Financing leases2 
Credit facility3 
Purchase obligations4 
Total contractual obligations 

$  35,000 
  14,747 

3,506 

  34,762 

Total 

Less than 1 year 

2-3 years 

4-5 years 

  Over 5 
years 

$ 

-    

$ 

2,501 

5,591 

3,506 

417 

$ 

18,333 

$ 

3,282 

- 

- 

14,166 

3,176 

- 

- 

2,698 

- 

34,345 

37,043 

$  88,015 

$ 

$ 

12,015 

$ 

21,615 

$ 

17,342 

    1 Long-term debt represents the principal amounts of the convertible debenture and construction loan. 
    2 Minimum obligations for our finance leases. 
    3 Credit facility matures in 2022. 
    4 Purchase obligations represent outstanding capital, coffee and natural gas purchase commitments. 

20 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

Swiss Water leases a facility that houses its decaffeination plant and offices.  The current lease term expires 
in 2023. Beyond expiry in 2023, the landlord has to approve any subsequent renewal of the lease. 

In Q1 2019, Seaforth entered into an agreement to lease an additional warehouse facility, which commenced 
in April 2019 and expires in June 2027.  Seaforth’s two warehouse leases expired in June and September 2019. 
Following these changes, Seaforth’s operations were consolidated into one warehouse location by the end of 
Q4 2019. Seaforth also leases equipment, for which the lease expires in April 2023. 

Swiss Water Decaffeinated Coffee Company USA, Inc. leases two sales offices in Seattle, Washington, one of 
which expires in March 2020, while the second one was entered into in Q4 2019 and it expires in October 
2022. 

Swiss Water Decaffeinated Coffee Europe SARL leases a sales office in France, which expires in October 2027. 

In 2016, Swiss Water signed a lease agreement for a build-to-suit production facility.  The lease has an initial 
term of five years and can be renewed at Swiss Water’s option in five-year increments up to a total of 30 
years.  The lease commenced in July 2018.  Under the lease, Swiss Water has multiple options to buy-out the 
lease starting at the end of the second five-year term.  The buy-out value will be equal to the fair market value 
of the property as determined by an appraisal process, subject to specified maximum and minimum values. 
The lease also includes a construction management agreement for the construction of a highly specialized 
building to house the production plant. 

OFF-BALANCE SHEET ARRANGEMENTS 

Swiss Water has no off-balance sheet arrangements. 

RELATED PARTY TRANSACTIONS 

We provide toll decaffeination services and/or sell finished goods to, and purchase raw material inventory 
from a company that is related to one of Swiss Water’s Directors, Roland Veit. 

The following table summarizes related party sales and purchases during the periods: 

(In $000s)  
(unaudited) 

Income for the period 
Purchases of raw materials 

Year ended December 31, 
2018 

2019 

957  $ 
3,843  $ 

393 
5,957 

$ 
$ 

All  transactions  were  in  the  normal  course  of  operations  and  were  measured  at  the  fair  value  of  the 
consideration  received  or  receivable,  which  was  established  and  agreed  to  by  the  related  parties.    As  at 
December 31,  2019,  our  accounts  receivable  balance  with this  company  was  $0.01  million  (December  31, 
2018: $0.01 million) while our accounts payable balance with this company was $0.5 million (December 31, 
2018: $0.3 million). 

On March 16, 2017, a subsidiary of Swiss Water and a member of Key Management (the borrower) entered 
into a promissory note in the amount of US$0.1 million.  For as long as the borrower remains an employee, 
the obligation to repay the  principal is forgiven against  current and future awards under the RSU Plan, by 
forfeiture of awards.  The loan is interest-free other than in the event of default, in which case the promissory 
note shall bear simple interest at a rate of 10% per annum. 

21 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

RISKS AND UNCERTAINTIES 

Swiss Water’s  dividend policy  is at the discretion of the  Board of Directors and its  ability to pay dividends 
dependent upon the earnings and cash flow generated from Swiss Water’s operations, as well as our current 
and  planned  future  investments  in  capital  equipment.    Cash  from  operations  may  fluctuate  with  the 
performance of the business, which can be susceptible to a number of risks.  These risks may include, but are 
not  limited  to,  foreign  exchange  fluctuations,  labour  relations,  coffee  prices  (notwithstanding  hedging 
programs, as exact hedging correlation is not attainable), the availability of coffee, competition from existing 
chemical  and  other  natural  or  chemical  free  coffee  decaffeinators,  competition  from  new  entrants  with 
alternate processing methods or agricultural technologies, environmental and regulatory risks, terms of credit 
agreements, commodity futures losses, ability to maintain organic certification, adequacy of insurance, risks 
related to information technology, dependence on key personnel, product liability, uncollectable debts, and 
general  economic  downturns.    The  future  effect  of  these  risks  and  uncertainties  cannot  be  quantified  or 
predicted. 

In addition, Swiss Water leases the building in Burnaby, BC, that houses two decaffeination lines.  The lease 
on this facility expires in 2023 and provides for an additional five-year renewal term (to 2028), subject to the 
approval of  the  landlord.    The  ownership  of  this  facility  changed  in  mid  February  of  2020.    Following  this 
change, the probability of a lease renewal being granted was re-assessed.  Swiss Water has concluded that 
the renewal risk has increased, and believes the likelihood of a lease renewal beyond 2023 is now much more 
uncertain.  Relocating the existing production equipment would result in significant capital expenditures and 
the payment of the asset retirement obligation (currently recorded as a long-term liability on our financial 
statements). 

Swiss Water’s operations may be negatively impacted in the event of a local or global outbreak of disease, 
such  as  the  recent  novel  coronavirus,  COVID-19  outbreak.  Swiss  Water  may  experience  disruptions  to  its 
business  operations  if  a  significant  number  of  its  employees,  or  those  of  its  customers  or  suppliers,  are 
quarantined and unable to work.  There may be significant disruptions and delays in our ongoing business or 
in the start-up procedures at our new facility, in Delta, BC. 

A pandemic may impact demand for our products and services and the capability of our supply chains. It may 
also impact expected credit losses on our amounts due from customers and whether the entity continues to 
meet  the  criteria  for  hedge  accounting.  For  example,  if  a  hedged  forecast  transaction  is  no  longer  highly 
probable to occur, hedge accounting would be discontinued. 

ENVIRONMENTAL RISKS 

The  Canadian  Securities  Administrators  (“CSA”)  identifies  five  categories  of  risks:  litigation,  physical, 
regulatory, reputational and business model, for which issuers are asked to identify material risks and if they 
are reasonably likely to affect financial statements in the future. 

Environmental matters relate to a broad range of issues, including those related to air, water, waste and land.  
As a small company with limited human and financial resources, we focus on only those risks that we believe 
could have a materially adverse impact on our operations and/or financial results within our planning horizon, 
rather than seeking to identify all possible future risks.  Risk assessment involves judgment, uncertainty and 
estimates, which can provide only reasonable, rather than an absolute, assurance that all the applicable risks 
and their expected impacts on Swiss Water are considered. 

22 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

The  most  pervasive  environmental  risks  that  we  face  relate  to  the  fact  that  we  buy,  sell  and  store  an 
agricultural commodity.  The supply of green coffee can be impacted by numerous environmental conditions 
such as frosts, drought, plant disease and insect damage, which can impact the quality and size of the coffee 
crop.  In addition, certain environmental conditions, such as excessive rains, can hamper crop harvesting.  A 
shortage of coffee can impact our processing volumes and revenues.  We seek to mitigate the risks of coffee 
shortages by maintaining an extensive list of coffee suppliers; by dealing with importers who themselves have 
multiple  suppliers  rather  than  contracting  directly  with  farmers  or  coffee  co-operative  organizations;  by 
maintaining up to three months of coffee inventories at any time; by developing and modifying coffee blends 
that  take  into  consideration  coffee  availability  and  cost  from  various  coffee  origins;  and,  by  entering  into 
purchase contracts with suppliers for future delivery of coffee (rather than relying on ‘spot’ deliveries).  In 
addition, the coffee commodity price is closely tied to available supplies of coffee globally.  We mitigate the 
commodity price risk through our commodity price risk management policy. 

Our leased facilities are located in the Metro Vancouver area of British Columbia.  Vancouver is considered to 
be at high risk of a major earthquake.  Any significant earthquake in the vicinity could have a material impact 
on our operations for a period of time, depending on the extent of the damage to the facilities, our equipment, 
and  the  transportation  infrastructure  in  the  region.    In  short,  a  major  earthquake  could  have  a  material 
adverse  impact  on  our  revenues.    We  carry  property  and  business  interruption  insurance,  including 
earthquake coverage, which would help offset the cash flow impact of such an event.  In addition, we keep 
some finished goods inventory in third-party coffee warehouses in other regions, and we would be able to sell 
these finished goods even if our production and distribution of coffee were temporarily interrupted by an 
earthquake.  Nevertheless, the financial and operational impact of a major earthquake cannot be reasonably 
predicted. 

We are subject to a number of environmental laws and regulations related to our facilities in British Columbia, 
which mandate, among other things, the maintenance of air and water quality.  We routinely monitor our 
compliance with these standards.  Based on our compliance record and our maintenance programs, as well 
as currently enacted laws and regulations, we do not believe that these regulatory risks are material. 

We expect to incur increased costs for energy and water consumption over time.  If we cannot pass on such 
increased costs to our customers, our profitability may be adversely impacted. 

We believe that all known environmental obligations and provisions have been appropriately reflected in our 
financial statements.  We have  not  identified any material litigation, reputational, or business model risks 
related to environmental matters.  Nevertheless, we may be subject to potential unknown or unforeseeable 
environmental impacts arising from, or related to, our business.  Costs associated with such issues could be 
material. 

We believe that the trend toward increased environmental awareness creates an opportunity for us to grow 
our business, as consumers and coffee industry participants place greater emphasis on reducing their impact 
on the environment.  As one of the few chemical free decaffeinators in the world, we believe that an increased 
focus  on  environmental  matters  will  allow  us  to  win  more  business  away  from  decaffeinators  that  use 
chemicals such as methylene chloride to decaffeinate coffee. 

23 | P a g e   o f   t h e   M D & A  

 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

CRITICAL ACCOUNTING JUDGMENTS AND ESTIMATES 

Measurement of Uncertainty 

The  preparation  of  financial  statements  in  accordance  with  IFRS  requires  us  to  make  estimates  and 
assumptions that affect the reported amounts of assets and liabilities and disclosure of contingencies at the 
date of the financial statements, and the reported amounts of revenues and expenses during the reporting 
period.  Estimates are used when accounting for asset retirement obligations, share-based compensation and 
convertible debt with embedded derivatives and income taxes.  Actual results may be different from these 
estimates. 

Effective January 1, 2019, we adopted IFRS 16 Leases in accounting for leases of our offices, warehouses, and 
equipment.  Estimates  and  assumptions  were  made  and  applied,  including  the  useful  lives  of  right-of-use 
assets and the implicit borrowing rates. The useful lives of right-of-use assets are estimated to be the length 
of the related lease terms, ranging from 2 to 20 years. The weighted average implicit borrowing rate is 4.92% 
per annum which was based on borrowing rates available to the Company. 

An accounting estimate is deemed critical only if it requires us to make assumptions about matters that are 
highly uncertain at the time the accounting estimate is made, and different estimates that we could have used 
in the current period would have a material impact on our financial condition or results of operations. 

Asset Retirement Obligation 

The  undiscounted  future  value  of  the  asset  retirement  obligation  (“ARO”)  with  respect  to  our  leased 
decaffeination facilities is estimated at $1.6 million.  This estimate assumes that we relocate from the current 
locations upon expiry of the lease renewal term in 2023 for Line 1 and Line 2, and the expiry of lease, before 
renewal in 2038 for Line 3.  Further, the estimate reflects the expected costs of vacating the leased facility in 
2023 and 2038, having regard for the contract language in the lease, the expected useful lives of our plant and 
equipment, and the expected costs that would be paid to a third party to remove equipment. 

Income Taxes 

We compute income taxes using the liability method, under which deferred income taxes are provided for the 
temporary differences between the financial reporting bases and the tax bases of our assets and liabilities.  
Deferred tax assets and liabilities are measured using the enacted and substantively enacted income tax rates 
that are expected to apply to taxable income in the years in which those temporary differences are expected 
to be recovered or settled. 

Deferred tax assets also reflect  estimates of the  recoverability of non-capital loss  carryforwards. We have 
recognized  the  benefit  of  loss  carryforwards  to  the  extent  that  it  is  probable  that  taxable  income  will  be 
available in the future against which our non-capital loss carryforwards can be utilized.  As at December 31, 
2019, Swiss Water and its subsidiaries had combined non-capital tax loss carryforwards totaling $2.2 million, 
which can be used to reduce income taxes payable in future years. 

The financial reporting bases of our assets reflect the useful lives of depreciable assets, as well as the carrying 
amounts of assets with indefinite useful lives.  Accordingly, management estimates that impact the carrying 
amounts of depreciable and non-depreciable assets also have an impact on deferred income tax assets and 
liabilities. 

24 | P a g e   o f   t h e   M D & A  

 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

Convertible Debenture with Embedded Derivatives 

On  October  11,  2016,  the  Company  issued  an  unsecured  subordinated  convertible  debenture  for  gross 
proceeds of $15.0 million.  The convertible debenture bears interest at a rate of 6.85% per annum to be paid 
quarterly in arrears and is due on October 11, 2023. Subject to reaching specific thresholds in the covenant, 
the interest rate increases to 7.85% per annum to be paid quarterly in arrears. The convertible debenture is 
convertible into common shares of the Company at a conversion price of $8.25 per common share.  Under 
the  terms of  the  agreement,  Swiss  Water  had  the  option  to  pay  interest-in-kind  for the  first  two years.  If 
elected, this option would have increased the principal sum by the interest owing.  This option was not elected. 

The  convertible  debenture  also  includes  a  Net  Share  Settlement  feature  that  allows  Swiss  Water,  upon 
conversion, to elect to pay cash equal to the face value of the convertible debenture and to issue common 
shares equal to the excess value of the underlying equity above the face value of the convertible debenture. 
If the Net Share Settlement option is elected, it will result in fewer common shares being issued.  In 2016, the 
Company paid financing costs of $0.5 million in respect of issuing the convertible debenture. 

Under IFRS, we are required to estimate the interest rate on a similar instrument of comparable credit status 
and providing for substantially the same cash flows, on the same terms, but without the equity conversion 
option, in order to estimate the fair value of the liability portion of the convertible debenture upon initial 
recognition. We have estimated the effective interest rate to be 12.15%, such that the fair value of the liability 
component of the convertible debenture was initially measured at $11.2 million.  During 2019, the Company 
estimated and recorded $1.5 million in interest expense (2018: $1.5 million) and paid $1.0 million (2018: $1.0 
million). 

We are also required to estimate the fair value of the embedded derivative liability related to the convertible 
debenture at initial recognition, and at the end of each reporting period. We use the residual value method 
to allocate the fair value of the convertible debenture between the liability component and the derivative 
liability.  Under this method, the value of the derivative liability was determined to be $3.3 million at inception. 
The fair value of the derivative liability was determined using the Black-Scholes Option Pricing Model. The 
variables and assumptions used in computing the fair value are based on management’s best estimate.  The 
value varies with different variables of certain subjective assumptions. 

Inputs into the Black-Scholes Option Pricing Model to determine the fair value of the conversion option: 

Share price 
Exercise price 
Option life 
Volatility 
Risk-free interest rate 
Dividend yield 

Leases 

Year ended December 31, 
2018 

2019 

$ 
$ 

6.92  $ 
8.25  $ 

3.78 years 
31% 
1.68% 
3.61% 

4.97 
8.25 
4.78 years 
37% 
1.88% 
5.03% 

The  preparation  of  consolidated  financial  statements  requires  that  the  Company’s  management  make 
assumptions  and  estimates  on  the  classification  of  operating  and  finance  leases.  When  assessing  the 
classification of a lease agreement, certain estimates and assumptions need to be made and applied, which 
include, but are not limited to, the determination of the expected lease term and minimum lease payments, 

25 | P a g e   o f   t h e   M D & A  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

the assessment of the likelihood of exercising options, and estimation of the fair value of the leased properties 
at lease inception. 

CHANGES IN ACCOUNTING STANDARDS 

The following standard became effective for annual periods beginning on or after January 1, 2019. 

 

IFRS 16: Leases: replaces IAS 17, IFRIC 4, SIC-15, and SIC-27.  IFRS 16 introduces a single, on-balance 
sheet accounting model for lessees that is similar to the former finance lease accounting, with limited 
exceptions for short-term leases or leases of low-value assets. Lessees recognize a right-of-use asset 
representing  its  rights  to  use  the  underlying  asset  and  a  lease  liability  representing  its obligation  to 
make lease payments.  Lessees also recognize a depreciation charge for right-of-use assets and interest 
expense on lease liabilities.  A lessee can choose to apply IFRS 16 using either a full retrospective or a 
modified retrospective approach. 

We  have  applied  IFRS  16  using  the  modified  retrospective  approach,  the  simplified  transition  approach, 
without restating comparative amounts for the year 2018, prior to the first adoption.  The right-of-use assets 
and liabilities for property and equipment leases are measured on transition as if the new rules had always 
been applied.  At the time of adoption, as at January 1, 2019, the Company recognized $19.1 million in new 
right-of-use assets and lease liabilities for its office, warehouse and equipment leases.  Additional disclosures 
have been included in Swiss Water’s audited consolidated financial statements for the year ended December 
31, 2019. 

We have adopted the following amended standards, and we assessed that there was no material impact on 
our condensed consolidated interim financial statements: 

  Annual  Improvements  to  IFRS  Standards  2015–2017  Cycle:  IFRS  3  Business  Combinations;  IFRS  9: 
Financial Instruments: prepayment features with negative compensation; IFRS 11: Joint arrangement; 
IAS  12:  Income  taxes:  amendments  related  to  recognition  of  current  and  deferred  tax  related  to 
dividends; IAS 19: Employee Benefits: amendments to plan amendment, curtailment or settlement; 
IAS  23:  Borrowing  costs:  amendments  related  to  recognition  of  borrowing  costs  eligible  for 
capitalization;  IFRIC  23:  Uncertainty  over  Income  Tax  Treatments:  clarifies  the  application  of 
recognition  and measurement  required  per  IAS 12:  Income  taxes, where  there  is  uncertainty over 
income taxes; IFRS 10: Consolidated Financial Statements and IAS 28: Investments in Associates and 
Joint Ventures. 

A  number  of  new  standards  are  effective  for  annual  periods  beginning  on  or  after  January  1,  2020.  The 
Company has not yet adopted any of these new and amended standards or interpretations. Of those standards 
that are not yet effective, we do not anticipate a material impact on the Company’s financial statements in 
the period of initial application. 

HEDGE ACCOUNTING 

We adopted the hedge accounting provisions of IFRS 9 on January 1, 2016, in order to reduce volatility in our 
financial results, by better matching our accounting practices to our hedging practices.  We did not change 
our risk management strategies with the adoption of hedge accounting. The economic impact of our hedges 
is unchanged from before January 1, 2016, even though the accounting for these derivative instruments has 
changed. 

26 | P a g e   o f   t h e   M D & A  

 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

We enter into three types of hedges: 

1)  Commodity  price  risk  hedges  on  our  coffee  purchase  commitments  and  inventory  (“commodity 

hedges”); 

2)  Foreign currency risk hedges on future US$ process revenues (“revenue hedges”); and 

3)  Customer-specific foreign currency risk hedges on US$ purchases of green coffee (“customer-specific 

hedges”). 

Each type of hedge is discussed below. 

Commodity Hedges 

When we enter into a purchase commitment to buy green coffee, the contract specifies that the purchase 
price will be based, in part, on the future (to-be-determined) coffee futures price, or NY’C’.  We agree on or 
‘fix’  the  NY’C’  price  with the  vendor  on  or  before  receiving the  coffee  into  inventory.   When  we  bear  the 
economic risk of a change in the commodity price, we offset this risk by selling short a futures contract on the 
Intercontinental Exchange.  When we later sell such coffee at a fixed price to a customer, we cover our short 
by going long on a futures contract on the Intercontinental Exchange. 

At each period-end, commodity hedges are re-measured to their fair value.  Under hedge accounting, gains 
/losses for hedged coffee purchase commitments and inventory are recorded in the statement of financial 
position until such coffee is sold, at which time the gains/losses on our commodity hedges are recognized in 
cost of sales.  In this way, gains/losses on our commodity hedges are matched to our sales in the period. 

Revenue Hedges 

We enter into forward contracts to sell US$ at future dates to hedge the foreign exchange cash flow variability 
of expected US$ processing fee revenue up to 60 months in advance.  The hedged process revenue includes 
both process revenue from tolling arrangements (processing of customer-owned coffee) as well as the US$ 
processing  fee  layer  of  inventory  sales  agreements.    This  enables  us  to  more  reliably  predict  how  much 
Canadian currency we will receive for our US$ process revenue.  Cash flows in the immediate 12-month period 
are  hedged  at  a  higher  percentage  of expected  future  revenues  than  those  farther  out,  reflecting  greater 
uncertainty in the 13-to 60-month period. 

At each period end, revenue hedges are re-measured to their fair value.  Under hedge accounting, unrealized 
gains/losses for open revenue hedges are recorded in other comprehensive income.  When a revenue hedge 
matures, the realized gain/loss on that contract is reclassed from accumulated other comprehensive income 
to process revenue. 

Customer-Specific Hedges 

We enter into forward contracts to buy US$ for green coffee inventory which, once decaffeinated, will be sold 
at a fixed C$ price pursuant to a customer-specific contract.  To mitigate the exposure to margin changes on 
these transactions arising from fluctuations in the US$/C$ exchange rate, we enter into US$ forward purchase 
contracts  which  economically  lock  in  the  US$/C$  exchange  rate,  and  effectively  locks  in  the  C$  cost  of 
inventory to be sold at the fixed C$ amount. 

The  adoption  of  hedge  accounting  allows  for  better  matching  of  US$  purchases  with  the  associated 
gains/losses on the forward contracts used to economically hedge these items.  At each period-end, customer-
specific hedges are re-measured to their fair value.  Under hedge accounting, the gains/losses on these hedges 

27 | P a g e   o f   t h e   M D & A  

 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

are deferred on the statement of financial position until the inventory is sold, at which time the gains/losses 
are recorded in cost of sales on the income statement. 

FINANCIAL INSTRUMENTS 

We  use  financial  instruments  to mitigate economic  risks  associated with  our  business.  The  three  types  of 
hedges  we  enter  into,  and  the  hedging  instruments  used,  are  discussed  in  more  detail  under  ‘Hedge 
Accounting’ above. 

We classify our financial assets and financial liabilities in the following measurement categories (i) those to be 
measured subsequently at fair value (either through other comprehensive income or through profit or loss); 
and  (ii)  those  to  be  measured  at  amortized  cost.    We  have  implemented  the  following  classifications  for 
financial instruments other than derivatives: 

  Cash and cash equivalents and short-term investments are classified as assets at fair value and any 
period  change  in  fair  value  is  recorded  through  interest  income  in  the  consolidated  statement  of 
income, as applicable. 

  Accounts receivable and other receivables are classified as assets at amortized cost using the effective 
interest  rate  method.    Interest  income  is  recorded  in  the  consolidated  statement  of  income,  as 
applicable. 

  Accounts payable, credit facilities, the debt portion of the convertible debenture and other liabilities 
are  classified  as  other  financial  liabilities  and  are  measured  at  amortized  cost  using  the  effective 
interest  rate  method.    Interest  expense  is  recorded  in  the  consolidated  statement  of  income,  as 
applicable. 

Commodity Price Risk 

Commodity price risk is the risk that the fair value of inventory or future cash flows will fluctuate as a result 
of  changes  in  commodity  prices.    Swiss  Water  utilizes  futures  contracts  to  manage  our  commodity  price 
exposure and also buys and sells futures contracts for coffee on the Intercontinental Exchange in order to 
offset our inventory position and fix the input cost of green coffee.  As at December 31, 2019, we had futures 
contracts to buy 3.6 million lbs of green coffee with a notional value of US$4.7 million, and contracts to sell 
6.6  million  lbs  of  green  coffee  with  a  notional  value  of  US$8.3  million.    The  furthest  contract  matures  in 
September  2020  (December  31,  2018:  buy 4.5  million  lbs  of  green  coffee  with  a  notional value  of  US$4.7 
million, and contracts to sell 4.7 million lbs of green coffee with a notional value of US$4.7 million). 

Foreign Currency Risk 

We realize a significant portion of our sales in US$ dollars and we purchase green coffee in US$ which is, in 
some  cases,  sold  to  customers  in  C$  dollars.    We  enter  into  forward  exchange  contracts  to  manage  our 
exposure to currency rate fluctuations and to minimize the effect of exchange rate fluctuations on business 
decisions.  These contracts relate to our future net cash flows in US$ from sales.  In addition, we enter into 
forward contracts to purchase US$ for coffee that we resell in C$ dollars. 

At December 31, 2019,  we  had forward currency contracts to buy US$3.8 million and sell US$53.0 million 
(December 31, 2018: buy US$6.6 million and sell US$65.0 million) from January 2020 through to September 
2023 at various Canadian exchange rates ranging from $1.2147 to $1.3482. 

28 | P a g e   o f   t h e   M D & A  

 
 
SWISS WATER DECAFFEINATED COFFEE INC.  
Management Discussion and Analysis  
For the year ended December 31, 2019 

INTERNAL CONTROLS OVER FINANCIAL REPORTING & DISCLOSURE CONTROLS AND PROCEDURES 

The Chief Executive Officer (“CEO”) and the Chief Financial Officer (“CFO”) of Swiss Water are responsible for 
establishing and maintaining adequate internal control over financial reporting (“ICFR”) to provide reasonable 
assurance  regarding  the  reliability  of  financial  reporting  and  the  preparation  of  financial  statements  for 
external purposes in accordance with IFRS.  Under the supervision and with the participation of management, 
we conducted an evaluation of the design and effectiveness of our ICFR as of December 31, 2019, based on 
the updated framework issued by the Committee of Sponsoring Organizations of the Treadway Commission 
(“COSO 2013”).  Based on this assessment, the CEO and CFO concluded that, as of December 31, 2019, Swiss 
Water’s ICFR was effective. 

The  CEO  and  CFO  are  also  responsible  for  establishing  and  maintaining  adequate  disclosure  controls  and 
procedures.    Disclosure  controls  and  procedures  are  controls  and  other  procedures  designed  to  provide 
reasonable  assurance  that  information  required  to  be  disclosed  in  documents  filed  or  submitted  under 
securities legislation is recorded, processed, summarized and reported within the time periods specified in 
securities legislation and includes controls and procedures designed to ensure that information required to 
be disclosed in documents filed or submitted under securities legislation is accumulated and communicated 
to Swiss Water’s management, including the CEO and CFO, as appropriate to allow timely decisions regarding 
required disclosure. 

The CEO and CFO evaluated or caused to be evaluated under supervision, the effectiveness of our disclosure 
controls and procedures and based on this evaluation, the CEO and CFO concluded that, as of December 31, 
2019, Swiss Water’s disclosure controls and procedures were effective. There were no changes in our ICFR 
that occurred during the period beginning on January 1, 2019 and ended on December 31, 2019 that have 
materially affected or are reasonably likely to materially affect, Swiss Water’s ICFR. 

SUBSEQUENT EVENTS 

On January 15, 2020, Swiss Water paid an eligible dividend in the amount of $0.6 million ($0.0625 per share) 
to shareholders of record on December 31, 2019. 

On February 14, 2020, the ownership of the company’s leased facility in Burnaby, BC changed.  The terms of 
the lease agreement on this property remain unchanged. 

On  February  24,  2020,  a  total  of  17,570  of  the  outstanding  RSUs  vested  and  were  converted  to  common 
shares, pursuant to the 2011 Restricted Share Unit Plan as amended on June 18, 2019. 

On March 18, 2020, Swiss Water’s Board of Directors decided to suspend future dividends in preparation to 
build a second production line in Delta, BC. 

In March 2020, the World Health Organization declared a global pandemic known as COVID-19*. The impacts 
on global commerce are expected to be far reaching. For Swiss Water, the pandemic may impact demand for 
the company’s products and services in the near term and may disrupt its supply chains. It may also impact 
expected  credit  losses  on  amounts  due  from  customers  and  whether  Swiss  Water  continues  to  meet  the 
criteria for hedge accounting. For example, if a hedged forecast transaction is no longer highly probable to 
occur, hedge accounting is discontinued. 

* Under IAS 10, Events after the reporting period, events such as this are considered to be non-adjusting subsequent events. The impacts 
to  the  Company  are  not  determinable  at  the  date  of  these  financial  statements,  however,  they  could  be  material  and  include 
impairments of receivables, inventory and liquidity. 

29 | P a g e   o f   t h e   M D & A  

 
SWP Q4 cover_Layout 1  20-03-20  10:56 AM  Page 2

SWISS WATER DECAFFEINATED COFFEE INC. 
CONSOLIDATED FINANCIAL STATEMENTS 

For the Year Ended December 31, 2019 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Independent auditor’s report  

To the Shareholders of Swiss Water Decaffeinated Coffee Inc. 

Our opinion  

In our opinion, the accompanying consolidated financial statements present fairly, in all material respects, 
the financial position of Swiss Water Decaffeinated Coffee Inc. and its subsidiaries (together, the 
Company) as at December 31, 2019 and 2018, and its financial performance and its cash flows for the 
years then ended in accordance with International Financial Reporting Standards (IFRS). 

What we have audited 
The Company’s consolidated financial statements comprise: 

●

●

●

●

●



the consolidated statements of financial position as at December 31, 2019 and 2018; 

the consolidated statements of income for the years then ended;      

the consolidated statements of comprehensive income for the years then ended; 

the consolidated statements of changes in equity for the years then ended; 

the consolidated statements of cash flows for the years then ended; and 

the notes to the consolidated financial statements, which include a summary of significant 
accounting policies. 

Basis for opinion  

We conducted our audit in accordance with Canadian generally accepted auditing standards. Our 
responsibilities under those standards are further described in the Auditor’s responsibilities for the audit 
of the consolidated financial statements section of our report. 

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our 
opinion. 

Independence 
We are independent of the Company in accordance with the ethical requirements that are relevant to our 
audit of the consolidated financial statements in Canada. We have fulfilled our other ethical 
responsibilities in accordance with these requirements. 

PricewaterhouseCoopers LLP 
PricewaterhouseCoopers Place, 250 Howe Street, Suite 1400, Vancouver, British Columbia, Canada V6C 3S7 
T: +1 604 806 7000, F: +1 604 806 7806 

“PwC” refers to PricewaterhouseCoopers LLP, an Ontario limited liability partnership. 

Other information 

Management is responsible for the other information. The other information comprises the Management’s 
Discussion and Analysis. 

Our opinion on the consolidated financial statements does not cover the other information and we do not 
express any form of assurance conclusion thereon. 

In connection with our audit of the consolidated financial statements, our responsibility is to read the 
other information identified above and, in doing so, consider whether the other information is materially 
inconsistent with the consolidated financial statements or our knowledge obtained in the audit, or 
otherwise appears to be materially misstated. 

If, based on the work we have performed, we conclude that there is a material misstatement of this other 
information, we are required to report that fact. We have nothing to report in this regard. 

Responsibilities of management and those charged with governance for the 
consolidated financial statements 

Management is responsible for the preparation and fair presentation of the consolidated financial 
statements in accordance with IFRS, and for such internal control as management determines is necessary 
to enable the preparation of consolidated financial statements that are free from material misstatement, 
whether due to fraud or error. 

In preparing the consolidated financial statements, management is responsible for assessing the 
Company’s ability to continue as a going concern, disclosing, as applicable, matters related to going 
concern and using the going concern basis of accounting unless management either intends to liquidate 
the Company or to cease operations, or has no realistic alternative but to do so. 

Those charged with governance are responsible for overseeing the Company’s financial reporting process. 

Auditor’s responsibilities for the audit of the consolidated financial statements 

Our objectives are to obtain reasonable assurance about whether the consolidated financial statements as 
a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s 
report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee 
that an audit conducted in accordance with Canadian generally accepted auditing standards will always 
detect a material misstatement when it exists. Misstatements can arise from fraud or error and are 
considered material if, individually or in the aggregate, they could reasonably be expected to influence the 
economic decisions of users taken on the basis of these consolidated financial statements. 

As part of an audit in accordance with Canadian generally accepted auditing standards, we exercise 
professional judgment and maintain professional skepticism throughout the audit. We also: 

●

●

●

●

●

●

Identify and assess the risks of material misstatement of the consolidated financial statements, 
whether due to fraud or error, design and perform audit procedures responsive to those risks, and 
obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk 
of not detecting a material misstatement resulting from fraud is higher than for one resulting from 
error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the 
override of internal control. 

Obtain an understanding of internal control relevant to the audit in order to design audit 
procedures that are appropriate in the circumstances, but not for the purpose of expressing an 
opinion on the effectiveness of the Company’s internal control. 

Evaluate the appropriateness of accounting policies used and the reasonableness of accounting 
estimates and related disclosures made by management. 

Conclude on the appropriateness of management’s use of the going concern basis of accounting and, 
based on the audit evidence obtained, whether a material uncertainty exists related to events or 
conditions that may cast significant doubt on the Company’s ability to continue as a going concern. 
If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s 
report to the related disclosures in the consolidated financial statements or, if such disclosures are 
inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to 
the date of our auditor’s report. However, future events or conditions may cause the Company to 
cease to continue as a going concern.  

Evaluate the overall presentation, structure and content of the consolidated financial statements, 
including the disclosures, and whether the consolidated financial statements represent the 
underlying transactions and events in a manner that achieves fair presentation. 

Obtain sufficient appropriate audit evidence regarding the financial information of the entities or 
business activities within the Company to express an opinion on the consolidated financial 
statements. We are responsible for the direction, supervision and performance of the group audit. 
We remain solely responsible for our audit opinion. 

We communicate with those charged with governance regarding, among other matters, the planned scope 
and timing of the audit and significant audit findings, including any significant deficiencies in internal 
control that we identify during our audit.  

We also provide those charged with governance with a statement that we have complied with relevant 
ethical requirements regarding independence, and to communicate with them all relationships and other 
matters that may reasonably be thought to bear on our independence, and where applicable, related 
safeguards. 

The engagement partner on the audit resulting in this independent auditor’s report is Robert Coard. 

(signed) PricewaterhouseCoopers LLP

Chartered Professional Accountants 

Vancouver, British Columbia 
March 19, 2020 

SWISS WATER DECAFFEINATED COFFEE INC. 

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

5 | P a g e  

Consolidated Statements of Financial Position as at(Tabular amounts are in thousands of Canadian dollars)December 31, 2019December 31, 2018AssetsNoteCurrent assetsCash and cash equivalents$6,739                               $8,336                               Accounts receivable614,588                             14,313                             Inventories717,872                             13,851                             Prepaid expenses and other receivables679                                   1,272                               Income tax receivable1114                                     -                                        Derivative assets and hedged firm commitments8, 261,428                               1,497                               Total current assets41,320                             39,269                             Non-current assetsReceivables   6230                                   235                                   Property, plant and equipment994,125                             46,035                             Intangible assets10904                                   1,167                               Deferred tax assets11302                                   175                                   Total non-current assets95,561                             47,612                             Total assets$136,881                          $86,881                             Liabilities and shareholders' equityCurrent liabilitiesAccounts payable$11,103                             $6,558                               Accrued liabilities6,573                               3,397                               Income tax payable11-                                        783                                   Dividend payable19, 28566                                   566                                   Other liabilities121,004                               473                                   Lease liabilities141,525                               -                                        Derivative liabilities and hedged firm commitments8, 261,165                               2,064                               Total current liabilities21,936                             13,841                             Non-current liabilitiesOther liabilities   12253                                   105                                   Credit facility133,182                               -                                        Construction loan  1520,000                             9,400                               Convertible debenture1612,560                             12,082                             Lease liabilities      1423,385                             -                                        Asset retirement obligation171,343                               802                                   Deferred tax liabilities113,179                               1,243                               Derivative liabilities   8, 16, 262,543                               3,652                               Total non-current liabilities66,445                             27,284                             Total liabilities88,381                             41,125                             Shareholders' equityShare capital18$43,591                             $43,591                             Retained earnings5,202                               4,523                               Accumulated other comprehensive loss(646)                                 (2,512)                             Share-based compensation reserve353                                   154                                   Total equity48,500                             45,756                             Total liabilities and shareholders' equity$136,881                          $86,881                             Commitments (Note 27)Subsequent events (Note 28)Approved on behalf of the Board(signed) "David Rowntree", Director                (signed) "Frank Dennis", Director 
 
SWISS WATER DECAFFEINATED COFFEE INC. 

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

6 | P a g e  

Consolidated Statements of Income for the Years Ended(Tabular amounts are in thousands of Canadian dollars, except for per share amounts)NoteDecember 31, 2019December 31, 2018Revenue20, 25$97,230                    $89,939                    Cost of sales(80,736)                   (75,018)                   Gross profit16,494                    14,921                    Operating expensesAdministration expenses(6,949)                     (5,371)                     Sales and marketing expenses(4,148)                     (3,790)                     Occupancy expenses(235)                        (129)                        Total operating expenses(11,332)                   (9,290)                     Operating income5,162                      5,631                      Non-operating or otherGain (loss) on risk  management activities1,436                      (5)                             (Loss) gain on fair value on embedded option16(770)                        1,799                      Finance income511                         530                         Finance expense(1,911)                     (1,457)                     Loss on foreign exchange(425)                        (278)                        Total non-operating or other(1,159)                     589                         Income before tax4,003                      6,220                      Income tax expense11(1,059)                     (1,689)                     Net income$2,944                      $4,531                      Basic earnings per share23$0.32                        $0.50                        Diluted earnings per share23$0.32                        $0.35                         
 
SWISS WATER DECAFFEINATED COFFEE INC. 

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

7 | P a g e  

Consolidated Statements of Comprehensive Income and Consolidated Statements of Changes in Equity(Tabular amounts are in thousands of Canadian dollars)Consolidated Statements of Comprehensive IncomeFor the Years EndedNet income$2,944                 $4,531                 Other comprehensive income, net of taxItems that may be subsequently reclassified to income:Unrealized gain (loss)Derivatives designated as cash flow hedges - currency risk hedges on US$ future revenue2,154                 (4,675)                Items reclassified to income:Realized loss (gain)Derivatives designated as cash flow hedges - currency risk hedges on US$ future revenue, recognized in revenue410                    (790)                   Other comprehensive income (loss) related to hedging activities2,564                 (5,465)                Tax (expense) recovery on other comprehensive income relating to hedging activities(694)                   1,460                 Cumulative translation adjustment(4)                       8                        Other comprehensive income (loss), net of tax1,866                 (3,997)                Net income and other comprehensive income$4,810                 $534                    Consolidated Statements of Changes in EquityShare capitalShare-basedAccumulated other compensationcomprehensive Note SharesAmountreserveincomeBalance at December 31, 20179,038,862            $43,496             $140                    $1,485                 $2,257                 $47,378               Shares issued for restricted share units22,348                 95                    (95)                     -                         -                         -                     Share-based compensation-                           -                       109                    -                         -                         109                    Dividends 19-                           -                       -                         -                         (2,265)                (2,265)                Net income and other comprehensive income (loss)-                           -                       -                         (3,997)                4,531                 534                    Balance at December 31, 20189,061,210            $43,591             $154                    $(2,512)                $4,523                 $45,756               Balance at December 31, 20189,061,210            43,591             154                    (2,512)                4,523                 45,756               Share-based compensation-                           -                       199                    -                         -                         199                    Dividends 19-                           -                       -                         -                         (2,265)                (2,265)                Net income and other comprehensive income-                           -                       -                         1,866                 2,944                 4,810                 Balance at December 31, 20199,061,210            $43,591             $353                    $(646)                   $5,202                 $48,500                Total equity  Retained earnings December 31, 2018December 31, 2019 
SWISS WATER DECAFFEINATED COFFEE INC. 

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

8 | P a g e  

Consolidated Statements of Cash Flows For the Years Ended(Tabular amounts are in thousands of Canadian dollars)NoteOperating activitiesNet income$2,944                               $4,531                               Items not affecting cash:Depreciation and amortization3,697                               1,689                               Share-based compensation expense885                                   242                                   Unrealized (gain) loss on risk management activities(830)                                 188                                   Unrealized loss (gain) on fair value adjustment ofembedded option771                                   (1,799)                             Payment of restricted share units settled in cash-                                        (199)                                 Finance income(511)                                 (530)                                 Finance expense1,911                               1,457                               Income tax expense1,059                               1,689                               Other(51)                                   29                                     9,875                               7,297                               Change in non-cash working capital relating to operating activities24658                                   (723)                                 Net cash generated from operations10,533                             6,574                               Interest received511                                   610                                   Interest paid24(2,858)                             (1,033)                             Income taxes paid(738)                                 (477)                                 Net cash generated from operating activities7,448                               5,674                               Investing activitiesProceeds from short-term investments-                                        7,067                               Additions to plant and equipment(18,714)                           (21,029)                           Net cash used in investing activities24(18,714)                           (13,962)                           Financing activitiesDividends paid(2,265)                             (2,262)                             Payment of lease liabilities(1,825)                             -                                        Proceeds from credit facility133,500                               -                                        Financing costs13(341)                                 -                                        Proceeds from construction loan10,600                             9,400                               Net cash generated from financing activities9,669                               7,138                               Decreasein cash and cash equivalents(1,597)                             (1,150)                             Cash and cash equivalents, beginning of the year8,336                               9,486                               Cash and cash equivalents, end of the year$6,739                               $8,336                               December 31, 2019December 31, 2018 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

1. 

NATURE OF BUSINESS 

Swiss Water Decaffeinated Coffee Inc., (“Swiss Water” or the “Company”), is an entity incorporated under 
the Canada Business Corporations Act (“CBCA”). The common shares of the Company are listed on the 
Toronto Stock Exchange under the symbol ‘SWP’. The Company’s head office is located at 3131 Lake City 
Way, Burnaby, British Columbia, V5A 3A3, Canada. 

On September 28, 2018, Ten Peaks Coffee Company Inc. amalgamated with its 100% owned subsidiary 
Swiss  Water  Decaffeinated  Coffee  Company  Inc.  As  a  result  of  the  amalgamation,  Ten  Peaks  Coffee 
Company Inc. remained as the successor entity and concurrently the Company changed its name to Swiss 
Water Decaffeinated Coffee Inc. 

Swiss Water is primarily involved in the decaffeination of green coffee without the use of chemicals by 
employing the proprietary SWISS WATER® Process. The Company leverages science-based systems and 
quality controls to produce coffee that is 99.9% caffeine free. 

Swiss  Water  owns  all  of  the  interests  of  Seaforth  Supply  Chain  Solutions  Inc.  (“Seaforth”),  which  is 
incorporated  under  CBCA and  operates  in  Delta,  British  Columbia,  Canada;  Swiss  Water  Decaffeinated 
Coffee USA, Inc. (“SWUS”), an entity registered in Washington State, USA, and; Swiss Water Decaffeinated 
Coffee Europe SARL (“SWEU”), an entity registered in Bordeaux, France. 

Seaforth provides a complete range of green coffee handling and storage services, while SWUS and SWEU 
act as marketing and sales companies and they do not have significant assets. 

2. 

BASIS OF PREPARATION 

These consolidated financial statements have been prepared in accordance with International Financial 
Reporting Standards (“IFRS”) as issued by the International Accounting Standards Board. IFRS comprises 
IFRSs, International Accounting Standards (“IAS”), and interpretations issued by the IFRS Interpretations 
Committee (“IFRIC”) and the former Standing Interpretations Committee (“SIC”). 

These  consolidated  financial  statements  for  the  year  ended  December  31,  2019  were  approved  for 
issuance by the Company’s Directors on March 18, 2020.  There were no significant non-adjusting events 
that occurred between the reporting date and the date of authorization except as disclosed in Note 28. 

3. 

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES 

The accounting policies used in the preparation of these consolidated financial statements are as follows: 

3.1  Basis of measurement 

The consolidated financial statements have been prepared on the historical cost basis, except for certain 
financial instruments that are measured at fair values at the end of each reporting period. Historical cost 
is based on the fair value of the consideration given in exchange for assets. 

3.2 

Currency of presentation 

These consolidated financial statements are presented in Canadian dollars. Except for per share amounts, 
all amounts are expressed in thousands of Canadian dollars, unless otherwise stated. References to US$ 
are to United States dollars. 

3.3  Basis of consolidation 

The  consolidated  financial statements  include  the  accounts  of  the  Company  and  its subsidiaries,  all of 
which are wholly owned.  Subsidiaries are all entities over which the Company has the power to control 

9 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

the financial and operating policies generally accompanying a shareholding of more than half of the voting 
rights.  The existence and effect of potential voting rights that are currently exercisable or convertible are 
considered when assessing whether the Company controls another entity. All intercompany transactions, 
balances, income and expenses are eliminated on consolidation. 

3.4  New and amended standards adopted by the Company 

The following amendments to accounting standards became effective for annual periods beginning on or 
after January 1, 2019. 

The  adoption  of  IFRS  16:  Leases:  had  a  material  impact  on  the  Company’s  consolidated  financial 
statements and the impact is described in note 3.14 Leases as the lessee. 

The  adoption  of  these  revised  standards  by  the  Company  did  not  have  a  material  impact  on  its 
consolidated financial statements. 

  Annual Improvements to IFRS Standards 2015–2017 Cycle: IFRS 3 Business Combinations; IFRS 
9:  Financial  Instruments:  prepayment  features  with  negative  compensation;  IFRS  11:  Joint 
arrangement; IAS 12: Income taxes: amendments related to recognition of current and deferred 
tax  related  to  dividends;  IAS  19:  Employee  Benefits:  amendments  to  plan  amendment, 
curtailment  or  settlement;  IAS  23:  Borrowing  costs:  amendments  related  to  recognition  of 
borrowing costs eligible for capitalization; IFRIC 23: Uncertainty over Income Tax Treatments: 
clarifies  the  application  of  recognition  and  measurement  required  per  IAS  12:  Income  taxes, 
where there is uncertainty over income taxes; IFRS 10: Consolidated Financial Statements and 
IAS 28: Investments in Associates and Joint Ventures. 

3.5 

Changes in accounting standards not yet effective 

A number of new and amended standards are effective for annual periods beginning on or after January 
1, 2020. The Company has not yet adopted any of these new and amended standards or interpretations. 
Of  those  standards  that  are  not  yet  effective,  the  Company  does  not  expect  the  adoption  of  these 
standards and amendments to have a material impact on the Company’s financial statements in the period 
of initial application. 

 

IFRS 9/ IAS 39 and IFRS 7 relate to interest benchmark reform and has amendments that provide 
temporary relief from applying specific hedge accounting requirement to hedging relations ships 
directly affected by IBOR reform and that required certain disclosures; IAS 1 and IAS 8 redefined 
materiality; IFRS 3 was amended to revise the definition of a business; Conceptual Framework 
replaces the conceptual framework for financial reporting issued by IASB in September 2010. 
These standards are effective or periods beginning after January 1, 2020. 

3.6 

Segment reporting 

Operating segments are reported in a manner consistent with the internal reporting provided to the chief 
operating decision makers. A business segment is a group of assets and operations engaged in providing 
products or services that are subject to risks and returns that are different from those of other business 
segments.  A  geographical  segment  reflects  the  provision  of  products  or  services  within  a  particular 
economic environment that is subject to risks and returns that are different from those of other economic 
environments. The Company’s sales are primarily generated in a single business segment of decaffeination 
of green coffee beans.  As such, management reports operating activities for geographical information 
only. 

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SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

3.7 

Foreign currency translation 

Functional and presentation currency 

Items  included  in  the  consolidated  financial  statements  of  each  of  the  Company’s  subsidiaries  are 
measured using the currency of the primary economic environment in which each entity operates (“the 
functional currency”). The functional and presentation currency of Swiss Water is the  Canadian dollar.  
The functional currencies of the USA and the European subsidiaries are the United States dollar and the 
Euro, respectively. 

Foreign currency transactions 

Foreign currency transactions and balances are translated as follows: (i) monetary assets and liabilities 
denominated in foreign currencies are translated to Canadian dollars at the exchange rate prevailing at 
the reporting date; (ii) non-monetary items which are measured using historical cost in a foreign currency 
are translated using the exchange rate at the date of the transaction; (iii) non-monetary items that are 
measured at fair value in a foreign currency are translated using the exchange rates at the date when the 
fair value was determined; and (iv) foreign currency transactions are translated into functional currency 
of the entity at the exchange rates prevailing at the date of the transaction.  Foreign exchange gains and 
losses are recognized in net income and presented in the Consolidated Statement of Income in accordance 
with the nature of the transactions to which the foreign currency gains and losses relate, in the period in 
which they occur. 

Foreign operations 

Foreign operations are translated from their functional currencies into Canadian dollars on consolidation 
as follows: (i) assets and liabilities for each statement of financial position presented are translated at the 
closing rate at the date of the statement of financial position; (ii) income and expenses for each statement 
of  loss  are  translated  at  a  quarterly  average  exchange  rate  (unless  this  rate  is  not  a  reasonable 
approximation of the  cumulative effect of the rates prevailing on the transaction dates, in which case 
income and expenses are translated at the dates of the transactions); (iii) share capital for each statement 
of financial position presented are translated at historical rate; and (iv) all resulting exchange differences 
are  recognized  in  other  comprehensive  income  as  cumulative  translation  adjustments.  Exchange 
differences that arise relating to long-term intercompany balances that form part of the net investment 
in  a  foreign  operation  are  also  recognized  in  this  separate  component  of  equity  through  other 
comprehensive income. 

3.8 

Cash and cash equivalents 

Cash and cash equivalents include cash on hand, other short-term, highly liquid investments with original 
maturities of three months or less that are readily convertible to known amounts of cash and which are 
subject to an insignificant risk of changes in value, and bank overdrafts. Bank overdrafts are shown within 
borrowings in current liabilities in on the statement of financial position. 

3.9 

Inventories 

Raw  materials  are  stated  at  the  lower  of  cost,  determined  on  a  specific  identification  basis,  and  net 
realizable value, being the estimated selling price of finished goods less the estimated cost of completion 
of the finished goods. 

Finished goods are stated at the lower of cost and net realizable value. Cost of finished goods includes all 
expenses directly attributable to the manufacturing process like direct labour and direct materials, as well 

11 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

as  suitable  portions  of  related  fixed  and  variable  production  overheads,  based  on  normal  operating 
capacity.  Costs of ordinarily interchangeable items are assigned on a first-in-first-out basis.  Net realizable 
value  is  the  estimated  selling  price  in  the  ordinary  course  of  business,  less  applicable  variable  selling 
expenses. 

3.10  Property, plant and equipment 

The Company leases facilities that house its production facility, offices and warehouse facilities.  Plant and 
equipment are carried at acquisition cost or manufacturing cost less depreciation and impairment losses.  
Historical cost includes expenditures that are directly attributable to the acquisition of the items, costs 
related to interest on the lease liability and depreciation of right of use assets relating to leased properties.  
Cost may also include asset retirement obligation and transfers from the equity of any gains or losses on 
qualifying cash flow hedges of foreign currency purchases of property, plant and equipment. Subsequent 
costs are recognized in the asset’s carrying amount or recognized as a separate asset, as appropriate, only 
when it is probable that future economic benefits associated with the item will flow to the Company and 
the  cost  of  the  item  can  be  measured  reliably.    All  other  repairs  and  maintenance  expenditures  are 
recognized in the statement of income during the financial period in which they are incurred. 

Borrowing costs directly attributed to the construction of any qualifying asset, are capitalized during the 
period of time that is required to complete and prepare the asset for its intended use. 

Major renovations are depreciated over the remaining useful life of the related asset or to the date of the 
next major renovation, whichever is sooner. 

The  costs  related  to the  property,  plant  and  equipment  in  the  course  of  construction  are  classified  as 
construction-in-progress.  Such items are transferred to the appropriate category of property, plant and 
equipment  when  they  are  completed  and  ready  for  use  as  intended.    Depreciation  of  these  assets 
commences when the asset is available for use. 

Depreciation is recognized on a straight-line basis to allocate the cost or valuation of each asset to its 
residual value over its estimated useful life commencing when the asset is ready for its intended use.  The 
estimated useful lives of plant and equipment are as follows: 

Leasehold improvements 
Production machinery 
Right of use assets 
Warehouse and office equipment 
Computer hardware and software 
Furniture and fixtures 

to the expiry of the lease renewal option or lease term 
to the expiry of the lease renewal option or lease term 
to the expiry of the lease renewal option or lease term 
10 years 
5 years 
5 years 

During the prior year ended December 31, 2018, the Company reviewed the useful lives of its production 
lines which includes several production machines that had different remaining useful lives.  Management 
determined that the useful lives of certain production machines were longer than originally estimated, 
and as a result extended the estimated useful lives of these production machines by up to 18 years.  At 
the time of change in the estimate, these assets had a net book value of approximately $6.0 million. The 
financial impact of the change in estimate was a reduction in depreciation expense of $0.7 million for the 
year ended December 31, 2018. 

The assets’ residual values and useful lives are reviewed, and adjusted if appropriate, at each reporting 
date.  An asset’s carrying amount is written down immediately to its recoverable amount if the asset’s 

12 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

carrying  amount  is  greater  than  its  estimated  recoverable  amount.  Gains  and  losses  on  disposals  are 
determined by comparing proceeds with carrying amount.  These are included in profit or loss. 

3.11 

Intangible assets 

Proprietary process technology (“PPT”) 

PPT represents intangible assets of Swiss Water with a finite life and is carried at cost less accumulated 
amortization.  Amortization is recognized on a straight-line basis to allocate the cost of PPT to its residual 
value over its estimated useful life of 14 years. 

Brand 

Swiss  Water’s  brand  has  a  finite  useful  life  and  is  carried  at  cost  less  accumulated  amortization. 
Amortization is recognized on a straight-line basis over its estimated useful life of 14 years. 

3.12 

Impairment of assets 

Plant  and  equipment  and  intangible  assets  with  finite  lives  and  that  are  subject  to  depreciation  or 
amortization  are  tested  for  impairment  indicators  at  the  end  of  each  reporting  period.    If  any  such 
indicator exists, the recoverable amount of the asset is estimated in order to determine the extent of the 
impairment loss. 

An  impairment  loss  is  recognized  for  the  amount  by  which  the  carrying  amount  of  an  asset  or  cash 
generating unit (“CGU”) exceeds its recoverable amount. The Company has determined that it has only 
one  CGU  and  that  all  assets  relate to  that CGU.   To determine  the  recoverable  amount,  management 
estimates either the fair value less costs to sell, or the value-in-use based on the present value of expected 
future  cash  flows  from  the  CGU.  In  estimating  the  value-in-use,  management  must  determine  the 
appropriate discount  rate in order  to calculate the present value of those  cash flows, as well as make 
certain  assumptions  about  future  profits  which  relate  to  future  events  and  circumstances.    Discount 
factors  are  determined  individually  for  each  asset  or  CGU  and  reflect  their  respective  risk  profiles  as 
assessed by management.  There were no indicators of impairment during the year. 

3.13  Financial instruments 

IFRS  9  requires  the  classification  and  measurement  of  financial  assets  and  for  all  recognized  financial 
assets to be measured at amortized cost or fair value in subsequent accounting periods following initial 
recognition.  IFRS  9  also  outlines  the  treatment  of  hedge  accounting  and  introduces  a  single,  forward-
looking expected credit loss impairment model. 

All financial assets, other than accounts receivable, are included in the measurement category of fair value 
through  profit  and  loss.   There  was  no change  to  the  measurement  category  for  financial  liabilities  at 
amortized cost. 

Classification 

The Company classifies its financial assets and financial liabilities in the following measurement categories 
i)  those  to  be  measured  subsequently  at  fair  value  (either  through  other  comprehensive  income  or 
through profit or loss) and ii) those to be measured at amortized cost.  The classification of financial assets 
depends on the business model for managing the financial assets and the contractual terms of the cash 
flows.    Financial  liabilities  are  classified  as  those  to  be  measured  at  amortized  cost  unless  they  are 
designated as those to be measured subsequently at fair value through profit or loss (“FVPL”) (irrevocable 
election at the time of recognition). 

13 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

For assets and liabilities measured at fair value, gains and losses are either recorded in profit or loss or 
other comprehensive income. The Company reclassifies financial assets when and only when its business 
model for managing those assets changes.  Financial liabilities are not reclassified.  

The  Company  has  implemented  the  following  classifications  for  financial  instruments,  other  than 
derivatives: 

a)    Cash and cash equivalents and short-term investments are classified as assets at fair value and 
any period change in fair value is recorded through interest income in the consolidated statement 
of income, as applicable. 

b)    Accounts receivable and other receivables are recognized initially at fair value and subsequently 
are  classified  as  assets  at  amortized  cost  using  the  effective  interest  rate  method,  less  loss 
allowance.  Interest income is recorded in the consolidated statement of income, as applicable. 

c)    Accounts payable, credit facilities, the debt portion of the convertible debenture, the construction 
loan and other liabilities are classified as other financial liabilities and are measured at amortized 
cost using the effective interest rate method.  Interest expense is recorded in the consolidated 
statement of income, as applicable. 

With the adoption of hedge accounting, “gains/losses on risk management activities” reflects the change 
in fair value of undesignated revenue hedges and gains or losses on designated hedging instruments that 
are not otherwise recorded in the income statement with the hedged item (revenue or cost of sales). 

Also, with the adoption of hedge accounting, “fair value gains/losses on embedded option” are gains or 
losses on embedded derivative in the convertible debenture debt instrument. 

The full fair value of a hedging derivative is classified as a non-current asset or liability when the remaining 
maturity of the hedged item is more than 12 months and it is classified as a current asset or liability when 
the remaining maturity of the hedged item is less than 12 months. 

Recognition and de-recognition 

Financial  assets  and  financial  liabilities,  including  derivatives,  are  recognized  on  the  consolidated 
statement  of  financial  position  when  the  Company  becomes  a  party  to  the  financial  instrument  or 
derivative  contract.  Financial  assets  are  derecognized  when  the  rights  to  receive  cash  flows  from  the 
financial assets have expired or have been transferred and the Company has transferred substantially all 
the risks and rewards of ownership. 

Measurement 

At initial recognition, the Company measures a financial asset at its fair value, plus, in the case of a financial 
asset or liability not at FVPL, transaction costs that are directly attributable to the acquisition or issue of 
the financial asset or liability.  Transaction costs of financial assets and financial liabilities carried at FVPL 
are expensed in profit and loss.  Financial assets and financial liabilities with embedded derivatives are 
considered in their entirety when determining whether their cash flows are solely payment of principal 
and interest. 

Debt instruments 

Subsequent measurement of debt instruments depends on the Company’s business model for managing 
the asset  and the cash flow  characteristics of the asset. There  are three measurement  categories  into 
which the Company classifies its debt instruments: 

14 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

a) Amortized cost: Assets that are held for the collection of contractual cash flows where those cash 
flows represent solely payments of principal and interest are measured at amortized cost. Interest 
income from these financial assets is included in finance income using the effective interest rate 
method.  Any  gain  or  loss  arising  on  derecognition  is  recognized  directly  in  profit  or  loss  and 
presented in other  gains/(losses)  together with foreign exchange gains and losses. Impairment 
losses are presented as a separate line item in the statement of profit or loss. 

b) FVOCI:  Assets  that  are  held  for  collection  of  contractual  cash  flows  and  for  selling  the  financial 
assets,  where  the  assets’  cash  flows  represent  solely  payments  of  principal  and  interest,  are 
measured at fair value through other comprehensive income (FVOCI). Movements in the carrying 
amount  are taken through other comprehensive  income  (“OCI”), except  for the  recognition of 
impairment  gains  or  losses,  interest  income  and  foreign  exchange  gains  and  losses  which  are 
recognized in profit or loss. When the financial asset is derecognized, the cumulative gain or loss 
previously recognized in OCI is reclassified from equity to profit or loss and recognized in other 
gains/(losses). Interest income from these financial assets is included in finance income using the 
effective  interest  rate  method.  Foreign  exchange  gains  and  losses  are  presented  in  other 
gains/(losses) and impairment expenses are presented as a separate line item in the statement of 
profit or loss. 

c) FVPL: Assets that do not meet the criteria for amortized cost or FVOCI are measured at FVPL. A gain 
or loss on a debt investment that is subsequently measured at FVPL is recognized in profit or loss 
and presented net within other gains/(losses) in the period in which it arises. 

Impairment 

The Company assesses all information available, including on a forward-looking basis, the expected credit 
losses  associated  with  its  assets  carried  at  amortized  cost  and  FVOCI.    The  impairment  methodology 
applied  depends  on  whether  there  has  been  a  significant  increase  in  credit  risk.    The  Company’s only 
financial asset at amortized cost are accounts receivable and other receivables, for these the Company 
applies the simplified approach as permitted by IFRS 9 which requires expected lifetime credit losses to 
be recognized from the initial recognition of the receivables. 

Derivatives and Hedging Activities 

Derivatives are initially recognized at fair value on the date a derivative contract is entered into and are 
subsequently  remeasured  to  their  fair  value  at  the  end  of  each  reporting  period.    The  accounting  for 
subsequent  changes  in  fair  value  depends  on  whether  the  derivative  is  designated  as  a  hedging 
instrument, and if so, the nature of the item being hedged, and the type of hedge relationship designated. 
The Company designates certain derivatives as either:  

a) hedges of the fair value of recognized assets or liabilities or a firm commitment (fair value hedges)  

b) hedges of a particular risk associated with the cash flows of recognized assets and liabilities and 

highly probable forecast transactions (cash flow hedges), or  

c) hedges of a net investment in a foreign operation (net investment hedges). 

The Company documents at the inception of the hedging transaction the economic relationship between 
hedging instruments and hedged items including whether the hedging instrument is expected to offset 
changes  in  cash  flows  of  hedged  items.    The  Company  documents  its  risk  management  objective  and 
strategy for undertaking various hedge transactions at the inception of each hedging relationship. 

15 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

Cash flow hedges that qualify for hedge accounting 

The effective portion of changes in the fair value of derivatives that are designated and qualify as 
cash flow hedges is recognized in the cash flow hedge reserve within equity. The gain or loss relating 
to the ineffective portion is recognized immediately in profit or loss. When option contracts are 
used to hedge forecast transactions, the group designates only the intrinsic value of the options as 
the hedging instrument. 

Gains or losses relating to the effective portion of the change in the intrinsic value of the options 
are recognized in the cash flow hedge reserve within equity.  The changes in the time value of the 
options that relate to the hedged item (‘aligned time value’) are recognized within OCI in the costs 
of hedging reserve within equity. 

Commodity and Currency risk hedges 

The Company applied hedge accounting to economic hedges entered into in accordance with its 
Foreign Exchange Risk Management Policy (FX Policy) and the Commodity Price Risk Management 
Policy  (Commodity  Policy).    Economically,  the  specific  hedging  activities  carried  out  under these 
policies by the Company are as follows. 

The Company designates derivatives as hedges for the risk of changes in fair value of the purchase 
commitment due to changes in benchmark coffee commodity prices and foreign exchange as fair 
value hedges, as described under Commodity Price Risk Hedges. 

The Company also designates derivatives as hedges of foreign exchange risk associated with the 
cash  flows  of  highly  probable  forecast  transactions  as  cash  flow  hedges,  as  described  under 
Currency Risk Hedges. 

Commodity price risk hedges on purchase commitments and inventory ("commodity hedges"): 

When the Company enters into a purchase  commitment to purchase  green coffee and fixes the 
New York ‘C’ (“NY’C”) price component (which it will later sell at a to-be-determined price based on 
the NY’C’), the Company enters into an offsetting short position on the Intercontinental Exchange.  
The Company monitors, on a macro basis, the amount of purchase commitments and amount of 
inventory on hand for which the ultimate sale price is variable and has not yet been fixed based on 
the  NY’C’  and  compares  this  to  the  amount  of  coffee  covered  by  future  net  short  positions  to 
determine whether the net short position requires adjustment. 

At each period end, commodity price risk hedges are remeasured to their fair value.  Under hedge 
accounting, the effective portion of the gains (losses) for price fixed hedged coffee contracts and 
coffee inventory will be held on the consolidated statement of financial position until inventory for 
such contracts is received and subsequently sold, at which time the gains (losses) will flow to cost 
of sales on the consolidated statement of income. 

Currency risk hedges on US$ purchases ("customer-specific hedges"): 

The  Company  enters  into  forward  contracts  to  buy  US  dollars  (US$)  for  significant  purchase 
commitments, such as green coffee inventory which, once decaffeinated, is sold at a fixed Canadian 
dollar (C$) price.  To mitigate the exposure to changing margin on these transactions arising from 
fluctuations in the US$/C$ exchange rate, the Company enters into US$ forward purchase contracts 
which  economically  lock  in  the  US$/C$  exchange  rate  and  effectively  locks  in  the  C$  cost  of 
inventory to be sold at the fixed C$ amount. 

16 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

At  each  period  end,  currency  risk  hedges  on  US$  purchases  are  remeasured  to  their  fair  value.  
Under hedge accounting, the effective portion of the gains (losses) will be held on the consolidated 
statement of financial position until the inventory is received and subsequently sold, at which time 
the gains (losses) will flow to the cost of sales on the consolidated statement of income. 

Currency risk hedges on US$ future revenue ("revenue hedges"): 

The  Company  enters  into  forward  contracts  to  sell  US$  at  future  dates  to  hedge  the  foreign 
exchange  cash  flow  variability  of  expected  US$  processing  fee  revenue.  The  hedged  processing 
revenue includes both processing fee revenue from tolling arrangements (processing of customer 
owned coffee) as well as the US$ processing fee layer of inventory sales agreements. 

At each period end, currency risk hedges on US$ future revenues are remeasured to their fair value.  
Under hedge accounting, unrealized gains (losses) for US$ forward contracts are reclassified so that 
the  impact  on  the  consolidated  statement  of  income  is  deferred  through  other  comprehensive 
income, until the hedge instrument matures, at which time the realized gain (loss) is reflected in 
revenue on the consolidated statement of income. 

On all hedges entered into, if the hedge ratio for risk management purposes is no longer optimal 
but  the  risk  management  objective  remains  unchanged  and  the  hedge  continues  to  qualify  for 
hedge accounting, the hedge relationship will be rebalanced by adjusting either the volume of the 
hedged instrument or the volume of the hedged item so that the hedge ratio aligns with the ratio 
used for risk management purposes. Any hedge ineffectiveness is calculated and accounted for in 
profit or loss at the time of the hedge relationship rebalancing. 

Fair Value Hierarchy 

The Company classifies and discloses the fair value measurements of its financial instruments using a fair 
value hierarchy that reflects the significance of the inputs used in making the measurements.  The fair 
value hierarchy has the following levels: 

a) Level 1 – valuation based on quoted prices (unadjusted) in active markets for identical assets or 

liabilities; 

b) Level 2 – valuation techniques based on inputs other than quoted prices that are observable for the 

asset or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices); and 

c) Level 3 – valuation techniques using inputs for the asset or liability that are not based on observable 

market data (unobservable inputs). 

The fair value hierarchy requires the use of observable market inputs whenever such inputs exist.  The 
Company classifies a financial instrument to the lowest level of the hierarchy for which a significant input 
has been considered in measuring fair value. 

3.14  Leases liabilities and right of use assets 

Adoption of IFRS 16 Leases  

IFRS 16 introduces a single, on-balance sheet accounting model for lessees that is similar to the former 
finance  lease  accounting,  with  limited  exceptions  for  short-term  leases  or  leases  of  low-value  assets. 
Lessees recognize a right-of-use asset representing its rights to use the underlying asset and a lease liability 
representing its obligation to make lease payments. IFRS 16 replaces existing leases guidance, including 

17 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

IAS 17, Leases, IFRIC 4: Determining whether an Arrangement contains a Lease, SIC-15: Operating Leases 
– Incentives and SIC-27: Evaluating the Substance of Transactions Involving the Legal Form of a Lease.  

As  a  lessee,  the  Company  can  choose  to  apply  IFRS  16  using  either  a  full  retrospective  or  a  modified 
retrospective  approach.    Effective  January  1,  2019,  the  Company  applied  IFRS  16  using  the  modified 
retrospective approach, the simplified transition approach, without restating comparative amounts for 
the  year  2018,  prior  to  the  first  adoption.    The  right-of-use  assets  and  liabilities  for  property  and 
equipment leases are measured on transition as if the new rules had always been applied. The expedients 
used  were:  not  separating  non-lease  components,  excluding  short-term  leases,  and  not  re-assessing 
contracts at inception, but rather just applying IFRS 16 to operating leases as at December 31, 2018. At 
the time of adoption, as at January 1, 2019, the Company recognized $19.1 million in new right-of-use 
assets and lease liabilities for its office, warehouse and equipment leases. 

Management judgement and estimates over leases 

The preparation of consolidated financial statements requires that the Company’s management makes 
assumptions  and estimates  on the  classification  of  leases. When  assessing the  classification of  a  lease 
agreement, certain estimates and assumptions need to be made and applied, which include, but are not 
limited to, the determination of the expected lease term and minimum lease payments, implicit borrowing 
rate, the assessment of the likelihood of exercising options, and estimation of the fair value of the leased 
property at lease inception. 

Lease policy applicable from January 1, 2019 

At the inception of a lease contract, the Company assesses whether the contract is or contains a lease. A 
contract is, or contains, a lease if the contract conveys that right of control of the use of an identified asset 
for  a  period  of  time  in  exchange  for  consideration.  To  assess  whether  a contract  conveys  the  right  to 
control the use of an identified asset, the Company assesses whether: (i) the contract involves the use of 
an identified asset; (ii) the Company has the right to obtain substantially all of the economic benefits from 
the use of the asset throughout the period, and; (iii) the Company has the right to direct the use of the 
asset.  The  Company  has  determined  that  contracts  for  its  offices,  warehouses,  and  select  equipment 
contain a lease. 

At inception or on a reassessment of a contract that contains a lease component, the Company allocates 
the consideration in the contract to each lease component on the basis of their relative stand-alone prices. 
However,  for  the  leases  of  land  and  buildings,  the  Company  has  elected  not  to  separate  non-lease 
components and account for the lease and non-lease components as a single lease component. 

The Company presents right-of-use assets in Property, plant and equipment and related liabilities in Lease 
liabilities. 

The Company recognizes a right-of-use asset and a lease liability at the lease commencement date. The 
right-of-use asset  is initially measured at  cost, which comprises the initial amount  of the lease  liability 
adjusted for any lease payments made at or before the commencement date, plus any initial direct costs 
incurred  and  an  estimate  of  costs  to  dismantle  and  remove  the  underlying  asset  or  to  restore  the 
underlying asset or the site on which it is located, less any lease incentives received. 

The  right-of-use  asset 
is  subsequently  depreciated  using  the  straight-line  method  from  the 
commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of the 
lease term plus expected renewal options which are available to the Company. The estimated useful lives 
of right-of-use assets are determined on the same basis as those of property, plant and equipment. In 

18 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

addition, the right-of-use asset is reduced by impairment losses, if any identified, and adjusted for certain 
remeasurements of the lease liability. 

The lease liability is initially measured at the present value of the lease payments that are not paid at the 
commencement date, discounted using the interest rate implicit in the lease or, and if that rate cannot be 
readily  determined,  the  Company’s  incremental  borrowing  rate.  Generally,  the  Company  uses  its 
incremental borrowing rate as the discount rate. 

Lease payments included in the measurement of the lease  liability comprise of: (i) fixed payments; (ii) 
variable  lease  payments  that  depend  on  an  index  rate,  initially  measured  using  the  index  as  at  the 
commencement date; (iii) amounts expected to be payable under a residual value guarantee, and : (iv) 
the  exercise  price  under  purchase  option  that  the  Company  is  reasonably  certain  to  exercise,  lease 
payments in an optional renewal period if the Company is reasonably certain to exercise an extension 
option, and penalties for early termination of a lease unless the Company is reasonably certain not to 
terminate early. 

The  lease  liability  is measured  at  amortized  cost  using  the effective  interest  method.  It  is  remeasured 
when there is a change in future lease payments arising from a change in an index or rate, if there is a 
change  in  the  Company’s  estimate  of  the  amount  expected  to  be  payable  under  a  residual  value 
guarantee, or if the Company changes its assessment of whether it will exercise a purchase, extension or 
termination option.  When  the  lease  liability  is  remeasured  in  this  way,  a  corresponding  adjustment  is 
made to the carrying amount of the right-of-use asset or is recorded in profit or loss if the carrying amount 
of the right-of-use asset has been reduced to zero. 

The Company has elected not to recognize right-of-use assets and lease liabilities for short-term leases of 
machinery  that  have  a  lease  term  of  12  months  or  less  and  leases  of  low-value  assets.  The  Company 
recognizes these lease payments as an expense on a straight-line basis over the lease term. 

The  Company  recognizes  a  depreciation  charge  for  right-of-use  assets  and  interest  expense  on  lease 
liabilities in the consolidated income statement. 

On the statement of cash flows, the Company includes repayments of the principal portion of the lease 
liabilities under financing activities whereas before the implementation of IFRS 16 they were included in 
cash flows from operations. The interest portion of the lease continues to be classified within cash flows 
from operating activities. Lease payments for short-term leases, lease payment for leases of low-value 
assets that are not included in the measurement of the lease liability are classified as cash flows from 
operating activities. 

Lease policy applicable before January 1, 2019 

The comparative information for leases is prepared based on the accounting policies that the Company 
had  applied  under  IAS  17 and  IFRIC  4.  The  office,  warehouse  and  equipment  leases were  classified  as 
operating leases and were not recognized in the Company’s statement of financial position.  Prior to the 
adoption IFRS 16, the Company recognized operating lease expense, in the statement of income, on a 
straight-line basis over the term of the lease. 

3.15  Current and deferred income taxes 

Income tax expense or credit comprises current and deferred tax.  Income tax expense is recognized in 
the  statement  of  income  and  comprehensive  income  except  to  the  extent  that  it  relates  to  items 
recognized either in other comprehensive income or directly in equity. The income tax expense or credit 

19 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

for the period is the tax payable on the current period’s taxable income based on the applicable income 
tax  rate  for  each  jurisdiction  adjusted  by  changes  in  deferred  tax  assets  and  liabilities  attributable  to 
temporary differences and to unused tax losses. 

The current income tax charge is calculated on the basis of the tax laws enacted or substantively enacted 
at the reporting date, and any adjustments to taxes payable in respect of previous years. The Company 
periodically  evaluates  positions  taken  in  tax  returns  with  respect  to  situations  in  which  applicable  tax 
regulation is subject to interpretation. It establishes provisions where appropriate on the basis of amounts 
expected to be paid to the tax authorities. 

Deferred income tax is recognized, using the liability method, on temporary differences arising between 
the tax bases of assets and liabilities and their carrying amounts in the consolidated financial statements.  
However,  if  the  deferred  income  tax  arises  from  the  initial  recognition  of  an  asset  or  liability  in  a 
transaction  other  than  a  business  combination  that  at  the  time  of  the  transaction  affects  neither 
accounting nor taxable income or loss, it is not accounted for.  Deferred income tax is determined using 
tax  rates  (and  laws)  that  have  been  enacted  or  substantively  enacted  by  the  reporting  date  and  are 
expected to apply when the related asset is realized, or the liability is settled. 

Deferred income tax assets are recognized only to the extent that it is probable that future taxable income 
will be available against which temporary differences and non-capital loss carryforwards can be utilized. 

Deferred tax assets and liabilities are offset when there is a legally enforceable right to offset current tax 
assets and liabilities and when the deferred tax balances relate to the same taxation authority. Current 
tax assets and tax liabilities are offset where the entity has a legally enforceable right to offset and intends 
either to settle on a net basis or to realize the asset and settle the liability simultaneously. 

Current  and  deferred  tax  is  recognized  in  profit  or  loss,  except  to  the  extent  that  it  relates  to  items 
recognized in other comprehensive income or directly in equity. In this case, the tax is also recognized in 
other comprehensive income or directly in equity, respectively. 

3.16  Provisions 

Provisions are recognized when the Company has a present legal or constructive obligation as a result of 
a past event, it is probable that it will lead to an outflow of economic resources from the Company and 
amounts can be estimated reliably, although timing or amount of the outflow may still be uncertain. 

Provisions are measured at the present value of management’s best estimate of the expenditure required 
to settle the present obligation at the reporting date, including the risks and uncertainties associated with 
the present obligation.  The discount rate used to determine the present value reflects current market 
assessments of the time value of money and the increases specific to the liability. 

Any reimbursement that the Company can be virtually certain to collect from a third party with respect to 
the obligation is recognized as a separate asset.  However, this asset may not exceed the amount of the 
related provision. 

All  provisions  are  reviewed  at  the  end  of  each  reporting  period  and  adjusted  or  reversed  to  reflect 
management’s current best estimate of the expenditure required to settle the present obligation at the 
end of the reporting period.  If it is no longer probable that an outflow of resources embodying economic 
benefits will be  required to settle the  obligation, the provision is reversed.  Provisions are  reduced by 
actual expenditures for which the provision was originally recognized. 

20 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

Where discounting has been used, the carrying amount of a provision is accreted during the period to 
reflect the passage of time. 

3.17  Revenue recognition 

Effective January 1, 2018, Swiss Water adopted IFRS 15 retrospectively.  There was no impact on retained 
earnings as of January 1, 2018.  The new standard is based on the principle that revenue is recognized 
when control of a good or service transfers to a customer – so the notion of control replaced the former 
notion of risks and rewards. The  standard requires revenue  recognition  to follow  a five-step model of 
identifying  contracts,  separating  performance  obligations,  determining  and  allocating  the  transaction 
price, and recognizing the revenue as each performance obligation is satisfied. 

The Company’s primary sources of revenue are proceeds from sales of Swiss Water’s decaffeinated coffee 
and from services provided to decaffeinate customer’s owned coffee.  

Swiss Water’s revenue is measured based on consideration agreed on in contracts with customers and is 
recognized when the Company transfers control over products and services to the customer either at a 
point in time or over time.  

For all revenue contracts, no significant judgements are made with respect to evaluating the timing of 
satisfaction  of  performance  obligations,  transaction  prices,  and  amounts  allocated  to  performance 
obligations.  Consideration amounts are not variable.  Payment terms are typically between 30 and 60 
days,  apart  from  select  customers  where  payment  terms  are  extended.    For  contracts  with  extended 
payment terms, the Company charges customers an insignificant financing component.  Warranty, returns 
or refunds do not apply to the Company. 

Revenue is disaggregated based on the customer’s geographic region as described in segmented reporting 
accounting policy.  Also, the revenue, from contracts with customers, is disaggregated by major products 
and services: decaffeinated coffee sales, decaffeination services, and distribution. 

Decaffeinated coffee sales  

Decaffeinated coffee sales are the amounts that are charged to customers for the sale of decaffeinated 
coffee.  The performance obligation is satisfied at a point in time when a customer obtains control of the 
product, which is when decaffeinated coffee is picked-up by or delivered to the customer. 

Decaffeination services 

Decaffeination  services  represent  the  amount  charged  to  customers  for  the  service  to  decaffeinate 
customer-owned coffee.  The performance obligation is to provide the service, which is satisfied over time. 

Distribution 

Distribution  revenue  consists  of shipping, handling and warehousing charges billed to customers.   The 
performance obligation is satisfied over time as services are provided, which is at the same time as these 
services are consumed. 

Former revenue recognition standard  

Under the former standard, IAS 18, applicable before January 1, 2018, revenue was measured at the fair 
value of the consideration received or receivable.  Revenue was reduced for estimated customer returns, 
rebates and other similar allowances.  Revenue was recognized when all the following conditions were 
satisfied: (i) persuasive evidence of an arrangement exists; (ii) the goods are shipped; (iii) title has passed 

21 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

to  the  customer;  (iv)  the  price  has  been  substantively  determined,  and;  (v)  collection  is  reasonably 
assured. 

3.18  Employee benefits 

Liabilities for wages and salaries, including non-monetary benefits, annual leave and accumulating sick 
leave that are expected to be settled wholly within 12 months after the end of the period in which the 
employees render the related services are recognized in respect of employees’ services up to the end of 
the reporting period and are measured at the amounts expected to be paid when the liabilities are settled. 
The  liabilities  are  presented  as  current  employee  benefit  obligations  on  the  statement  of  financial 
position. 

The Company provides benefits to employees through a registered retirement savings plan (“RRSP”).  The 
Company  contributes  a  percentage  of  earnings  into  an  RRSP  administered  by  an  independent  entity.  
Ultimately, each employee manages his or her own RRSP within the scope of the plan provided by the 
third-party administrator.  The RRSP has no assurance of defined benefits to employees, and as such the 
Company has no legal or constructive obligations to make further contributions. 

The  Company  also  pays  contributions  to  government  pension  insurance  plans.    The  contributions  are 
recognized as employee benefit expenses when they are due. 

3.19  Share-based compensation 

The Company has a restricted share unit (“RSU”) plan for certain officers and employees and a deferred 
share unit (“DSU”) plan for non-employee directors (collectively, “participants”). 

The  RSUs  granted  are  compound  financial  instruments  as  they  are  expected  to  be  settled  using  a 
combination of cash and equity. 

The equity-settled share-based compensation is measured at the fair value of the Company’s common 
shares as at the grant date using a volume weighted average share price in accordance with the terms of 
the RSU plan.  The fair value determined at the grant date is charged to income on a straight-line basis 
over the vesting period, based on the estimate of the number of RSUs that will eventually vest and be 
converted  to  common  shares,  with  a  corresponding  increase  in  equity  (share-based  compensation 
reserve).  As necessary, the  Company revises  its estimate  if subsequent  information indicates that the 
number of RSUs expected to vest differs from previous estimates.  On the vesting date, the Company 
revises the estimate to equal the number of equity instruments that ultimately vested.  The impact of the 
revision of estimates, if any, is recognized in income or expense such that the cumulative expense reflects 
the revised estimate, with a corresponding adjustment to the share-based compensation reserve. 

For cash-settled share-based compensation, a long-term liability is recognized, measured initially at the 
fair  value  of  the  long-term  liability  using  a  volume  weighted  average  share  price.    The  amount  of  the 
liability is charged to income on a straight-line basis over the vesting period, based on the estimate of the 
number of RSUs that will eventually vest and be settled in cash.  As necessary, the Company revises its 
estimate  if  subsequent  information  indicates  that  the  number  of  RSUs  expected  to  vest  differs  from 
previous estimates.  On the vesting date, the Company revises the estimate to equal to the number of 
RSUs that ultimately vested and are settled in cash.  The impact of the revision of estimates, if any, is 
recognized in income or expenses such that the cumulative expense reflects the revised estimate, with a 
corresponding adjustment to the long-term liability or current liability depends on the timing when the 
liability becomes due.  At the end of each reporting period until the liability is settled, and at the date of 

22 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

settlement, the fair value of the liability is remeasured using a volume weighted average share price, with 
any change in fair value recognized in income or expense for the year. 

DSUs are issued to participants who elect to defer a portion of their current compensation in exchange 
for DSUs.  DSUs are classified as cash-settled share-based payment transactions as participants receive 
cash following a redemption.  The DSUs do not contain any vesting conditions or forfeiture provisions, as 
they are issued in exchange for deferred compensation.  The Company recognizes the expense and the 
liability  to  pay  for  the  eventual  redemption  when  the  DSUs  are  issued.    Thereafter,  the  Company 
remeasures the liability at the end of each reporting date and the date of settlement, with the difference 
recognized in income or expense for the period.  The fair value of DSUs is determined in accordance with 
the  DSU  Plan,  which  uses  the  average  closing  price  for  Swiss  Water  shares  for  the  five  trading  days 
immediately preceding the relevant date. 

3.20  Earning per share (“EPS”) 

The Company presents basic and diluted EPS for its common shares.  Basic EPS is calculated by dividing 
income or loss attributable to shareholders of the Company by the weighted average number of common 
shares outstanding during the year.  Diluted EPS is calculated by dividing income or loss attributable to 
shareholders of the Company by the weighted average number of common shares outstanding, adjusted 
for the effects of all dilutive potential common shares. 

4.  MANAGEMENT JUDGMENTS AND ESTIMATION UNCERTAINTY 

Judgment  is  used  by  management  in  selecting  accounting  policies,  the  determination  of  functional 
currency, the identification of cash generating units (“CGUs”), and the identification of revenue streams.  
In addition, judgment is often required in applying accounting policies, and in respect of items where the 
choice of a specific policy, accounting estimate or assumption to be followed could materially affect the 
reported results or net asset position of the Company should it later be determined that a different choice 
would be more appropriate. 

Management  considers  the  accounting  estimates  and  assumptions  discussed  below  to  be  its  critical 
accounting estimates and accordingly, provides an explanation of each below.  Actual results could differ 
from those estimates and assumptions. 

4.1  Useful lives of depreciable assets 

Management reviews the useful lives of depreciable assets at each reporting date.  As at December 31, 
2019 management  determined that the useful lives  represent the expected utility of the assets to the 
Company. 

4.2 

Provision for asset retirement obligations 

Analysis and estimates are performed by the Company in order to determine the amount of restoration 
costs to be recognized as a provision in the Company’s consolidated financial statements.  The estimates 
consider the contract language in the lease, the expected useful lives of the Company’s equipment, and 
the expected costs that would be paid to a third party to remove equipment. 

The  amount  recognized as  a  provision  is  the  best  estimate  of the consideration  required  to  settle  the 
present  obligation  at  the  end  of  the  reporting  period,  taking  into  account  the  risks  and  uncertainties 
surrounding the obligation.  When the final determination of such obligation amounts differs from the 
recognized provisions, the Company’s financial statements will be impacted. 

23 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

4.3 

Income taxes 

The Company computes income taxes using the liability method, under which deferred income taxes are 
provided for the temporary differences between the financial reporting bases and the tax bases of the 
Company’s assets and liabilities.  Deferred tax assets and liabilities are measured using the enacted and 
substantively enacted income tax rates that are expected to apply to taxable income in the years in which 
those temporary differences are expected to be recovered or settled. 

Deferred tax  assets also reflect estimates of the recoverability of non-capital loss carry forwards.  The 
Company has recognized the benefit of loss carry forwards to the extent that it is probable that taxable 
income will be available in the future against which the non-capital loss carry forwards can be utilized. 

The financial reporting bases of the Company’s assets reflect the useful lives of depreciable assets, as well 
as the carrying amounts of assets with indefinite useful lives.  Accordingly, management estimates that 
impact the carrying amounts of depreciable and non-depreciable assets also have an impact on deferred 
income tax assets and liabilities. 

4.4 

Convertible Debenture 

Management estimates the interest rate on a similar instrument of comparable credit status and providing 
for substantially the same cash flows, on the same terms, but without the equity conversion option in the 
calculation of the fair value of the liability portion of the convertible debenture upon initial recognition. 
Management also estimates the fair values of the derivative liability related to the convertible debenture 
at initial recognition and at the end of each reporting period using the Black-Scholes option pricing model 
which requires management estimates.  Details of these can be found in Note 16. 

4.5 

Leases and right of use assets 

The preparation of consolidated financial statements requires that the Company’s management makes 
assumptions  and  estimates  on  the  classification  of  operating  and  finance  leases.  When  assessing  the 
classification  of  a  lease  agreement,  certain  estimates  and  assumptions  need  to  be  made  and  applied, 
which include, but are not limited to, the determination of the expected lease term and minimum lease 
payments,  the  discount  rate/implicit  borrowing  rate,  the  assessment  of  the  likelihood  of  exercising 
options, and estimation of the fair value of the leased property at lease inception. 

5. 

CAPITAL MANAGEMENT 

The Company’s policy is to maintain a strong capital base so as to maintain investor, creditor and market 
confidence  and  to  sustain the  future  development of  the  business.   The  Company manages  its  capital 
structure  and  makes  adjustments  to  it  in  light  of  changes  in  economic  conditions  and  the  risk 
characteristics  of  the  underlying  assets.    The  Company  considers  its  capital  structure  to  include 
shareholders’ equity and indebtedness.  In order to maintain or adjust the capital structure, the Company 
may from time to time issue common shares, issue additional debt, adjust its capital spending, modify its 
dividend policy, and/or dispose of certain assets to manage current and projected debt levels. 

The Company manages its capital in order to meet its growth objectives while continuing to pay quarterly 
dividends to its shareholders.  The dividend policy of Swiss Water is subject to the discretion of the Board 
of Directors, which reviews the level of dividends periodically on the basis of a number of factors including 
Swiss  Water’s  financial  performance,  future  prospects,  and  the  capital  requirements  of  the  business.  
Quarterly dividends are paid on a level basis in order to smooth out normal seasonal fluctuations that 
occur over the course of a year. 

24 | P a g e    

 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

6. 

ACCOUNTS RECEIVABLE 

Accounts receivable are amounts due from customers for goods sold or services performed in the ordinary 
course of business.  Information about the Company’s exposure to foreign currency risk, interest rate risk 
and  credit  risk  can  be  found  in  Note  26.  The  Company's  accounts  receivable  has  been  reviewed  for 
indicators  of  impairment.    Accounts  receivable  as  at  December  31,  2019  and  December  31,  2018  are 
recorded net of expected credit losses of $ nil. Non-current receivables include a $0.1 million (2018: $0.1 
million) balance due from a related party, refer to Note 22. 

7. 

INVENTORIES 

During the year ended December 31, 2019, the cost of inventories recognized in cost of sales was $75.4 
million  (2018:  $68.0 million).    The  hedge  accounting  component  represents  the  derivative  adjustment 
related to designated hedges for inventory on hand as at each period.  The inventory provision was $0.05 
million during the year (2018: $0.03 million). 

8. 

DERIVATIVE FINANCIAL INSTRUMENTS – assets (liabilities) 

The Company’s derivative financial instruments were carried at fair value through profit or loss as follows: 

The Company’s derivative financial instruments were carried at fair value through other comprehensive 
income as follows: 

25 | P a g e    

Accounts receivable$14,588                      $14,313                      Non-current receivables   $230                            $235                            December 31, 2019December 31, 2018Raw materials$9,081                        $6,718                        Finished goods6,819                        7,252                        Carbon568                            360                            Packaging113                            109                            Hedge accounting component1,291                        (588)                          $17,872                      $13,851                      December 31, 2019December 31, 2018Coffee futures contracts, net$576                            $495         US Dollar forward contracts, current41                              (193)       US Dollar forward contracts, long-term(37)                            (300)       Derivative financial liability, convertible debenture(1,680)                      (910)       $(1,100)                      $(908)       December 31, 2019December 31, 2018US Dollar forward contracts, current$(107)                          $(876)       US Dollar forward contracts, long-term(825)                          (2,442)    $(932)                          $(3,318)    December 31, 2019December 31, 2018 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

9. 

PROPERTY, PLANT AND EQUIPMENT 

Property, plant and equipment comprise owned and leased right-of-use assets. 

9.1 Property, plant and equipment 

During the year ended December 31, 2019 the Company included in construction in progress $0.8 million 
(2018: $nil) of depreciation expense for right of use of assets, $0.8 million (2018: $nil) of financing costs 
related to lease liabilities, $0.7 million (2018: $0.02 million) of interest expense on the construction loan 
and $0.5 million (2018: $nil) of asset retirement obligations. 

For the year ended December 31, 2019, depreciation expense of $1.4 million (2018: $1.3 million) has been 
charged to  cost of sales and  $0.1  million (2018: $0.1 million) was  included in administrative expenses. 
There was no impairment loss recognized for the years ended December 31, 2019 and 2018. 

26 | P a g e    

Property, plant and equipment$70,125                      $46,035                      Right-of-use assets24,000                      -                                 $94,125                      $46,035                      December 31, 2019December 31, 2018 BuildingCostJanuary 1, 2019$34,025          $-                   $5,127          $1,285          $196             $34,329       $74,962       Additions8                    90                72                1                  36                25,383       25,590       Disposals(30)                -                   (63)              (468)            (20)              -                   (581)            Transfers437                1,511          24                35                -                   (2,007)        -                   December 31, 2019$34,440          $1,601          $5,160          $853             $212             $57,705       $99,971       Accumulated depreciationJanuary 1, 2019$(23,981)        $-                   $(3,791)        $(999)            $(156)            $-                   $(28,927)      Depreciation(1,031)          (14)              (314)            (108)            (14)              -                   (1,481)        Disposals12                  -                   62                468             20                -                   562             December 31, 2019$(25,000)        $(14)              $(4,043)        $(639)            $(150)            $-                   $(29,846)      December 31, 2019$9,440            $1,587          $1,117          $214             $62                $57,705       $70,125        BuildingCostJanuary 1, 2018$33,744          $-                   $5,113          $1,204          $189             $10,660       $50,910       Additions108                -                   22                38                7                  23,948       24,123       Disposals(61)                -                   (8)                (2)                -                   -                   (71)              Transfers234                -                   -                   45                -                   (279)            -                   December 31, 2018$34,025          $-                   $5,127          $1,285          $196             $34,329       $74,962       Accumulated depreciationJanuary 1, 2018$(23,061)        $-                   $(3,501)        $(862)            $(145)            $-                   $(27,569)      Depreciation(981)              -                   (298)            (139)            (11)              -                   (1,429)        Disposals61                  -                   8                  2                  -                   -                   71                December 31, 2018$(23,981)        $-                   $(3,791)        $(999)            $(156)            $-                   $(28,927)      December 31, 2018$10,044          $-                   $1,336          $286             $40                $34,329       $46,035       Machinery andLeaseholdComputerFurniture andequipmentimprovementequipmentfixturesin progressTotalConstructionTotalMachinery andLeaseholdComputerFurniture andConstructionequipmentimprovementequipmentfixturesin progress 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

9.2 Right-of-use assets 

The  Company  has  adopted  IFRS  16  retrospectively  from  January  1,  2019,  but  has  not  restated 
comparatives for the 2018 reporting period, as permitted under the specific transitional provisions in the 
standard.  The  reclassifications  and  the  adjustments  arising  from  the  new  leasing  rules  are  therefore 
recognized in the opening balance, on the statement of financial position, on January 1, 2019. The right-
of-use assets were measured at the amount equal to the lease liability, adjusted by the amount of any 
prepaid or accrued lease payments relating to that lease recognized in the statement of financial position 
as at December 31, 2018. There were no onerous lease contracts that would have required an adjustment 
to the right-of-use assets at the date of the initial application. 

For the year ended December 31, 2019, depreciation expense of $1.8 million (2018: $nil) was charged to 
cost  of  sales  and  $0.2  million  (2018:  $nil)  was  included  in  administrative  expenses.  There  was  no 
impairment loss recognized for the year ended December 31, 2019 (2018: $nil). 

10. 

INTANGIBLE ASSETS 

For the year ended December 31, 2019, amortization expense of $0.2 million (2018: $0.2 million) relating 
to proprietary process technology (“PPT”) has been charged to cost of sales and $0.02 million (2018: $0.02 
million)  relating  to  brand  was  included  in  administrative  expenses.    There  was  no  impairment  loss 
recognized for the years ended December 31, 2019 and 2018. 

27 | P a g e    

EquipmentCostBalance at January 1, 2019$110                            $19,023                      $19,133                      Additions-                                 7,788                        7,788                        Disposals-                                 (997)                          (997)                          Balance at December 31, 2019$110                            $25,814                      $25,924                      Accumulated depreciationBalance at January 1, 2019$-                                 $-                                 $-                                 Depreciation(26)                            (2,734)                      (2,760)                      Disposals-                                 836                            836                            Balance at December 31, 2019$(26)                            $(1,898)                      $(1,924)                      Balance at December 31, 2019$84                              $23,916                      $24,000                      PropertyTotalCostBalance January 1, 2019$3,246                        $1,000                        $4,246                        Balance December 31, 2019$3,246                        $1,000                        $4,246                        AmortizationBalance January 1, 2019$(2,161)                      $(918)                          $(3,079)                      Amortization(247)                          (16)                            (263)                          Balance December 31, 2019$(2,408)                      $(934)                          $(3,342)                      Balance at December 31, 2019$838                            $66                              $904                            PPTBrandTotal 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

11. 

INCOME TAXES 

11.1 Income tax expense 

For the year ended December 31, 2019, tax recovery on other comprehensive income related to hedging 
activities was $0.7 million (2018: $1.5 million expense). 

11.2 Reconciliation 

Income tax expense for the year can be reconciled to the accounting profit as follows: 

11.3 Current income tax receivable and payable 

As at December 31, 2019 income tax receivable was $0.01 million (2018: payable $0.8 million). 

11.4 Deferred income tax assets (liabilities) 

Deferred tax assets and liabilities are offset when there is a legally enforceable right to offset current tax 
assets and liabilities and when the deferred tax balances relate to the same taxation authority. 

The movement in deferred income tax assets and liabilities during the year was as follows: 

28 | P a g e    

CostBalance January 1, 2018$3,246                        $1,000                        $4,246                        Balance December 31, 20183,246                        1,000                        4,246                        AmortizationBalance January 1, 2018$(1,920)                      $(899)                          $(2,819)                      Amortization(241)                          (19)                            (260)                          Balance December 31, 2018$(2,161)                      $(918)                          $(3,079)                      Balance at December 31, 2018$1,085                        $82                              $1,167                        PPTBrandTotalCurrent income tax (recovery) expense$(60)                          $1,103                      Deferred tax expense1,119                      586                         Total income tax expense$1,059                      $1,689                      December 31, 2019December 31, 2018Statutory rate27%27%Income before tax$4,003                      $6,220                      Income tax calculated at applicable tax rates$1,081                      $1,679                      Non-deductible expenses(12)                          18                            Foreign tax rate differential(10)                          (8)                            Income tax expense$1,059                      $1,689                      December 31, 2019December 31, 2018 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

During  the  year  ended  December  31,  2019,  the  Company  collected  $0.02  million  (2018:  $0.4  million) 
related  to  Canadian  Scientific  Research  and  Experimental  Development,  a  Canadian  Government  tax 
incentive program and it is included in the Administrative expenses. 

Swiss Water has $2.2 million non-capital tax losses carry forwards as the end of December 31, 2019, while 
Seaforth has non-capital tax loss carry forwards of $0.7 million, which will begin to expire in 2033. 

12.  OTHER LIABILITIES 

Other liabilities balances represent the fair value of the deferred share units (“DSUs”) and the cash-settled 
portion of the restricted share units (“RSUs”) outstanding as follows: 

13. 

CREDIT FACILITY 

Credit Facility  

On October 18, 2019, Swiss Water entered into a revolving credit facility agreement (“Credit Facility”), 
with a Canadian Bank, for borrowings up to the lower of the Borrowing Base (defined herein) and $30.0 
million.    The  Credit  Facility’s  Borrowing  Base  margins  eligible  inventories  and  accounts  receivable, 
commodity hedging account equity margin plus its market-to-market gains, which are netted against any 
losses in the commodity account and foreign exchange contract facility.  Amounts can be drawn in either 
Canadian  or  in  US$  dollars  and  can  be  borrowed,  repaid,  and  re-borrowed  to fund  operations, capital 
expansions, letters of credit and for general corporate purposes.  As at December 31, 2019, the Company’s 
borrowing availability was calculated as follows: 

29 | P a g e    

 Goodwill and intangibles  Property plant and equipment  Financing issuance costs and other  ARO  Lease Liability  Share based compen-sation  Derivative liability and convertible debenture  Other compre-hensive income  Tax Losses  Total Balance at January 1, 2018692$            (2,723)$      225$         217$   -         172$       (171)$            (532)$    178$    (1,942)$  To income tax expense(9)                  (54)              (88)            -      -         (16)          (408)              1,461    (12)       874         Balance at December 31, 2018683$            (2,777)$      137$         217$   -         156$       (579)$            929$      166$    (1,068)$  Balance at January 1, 2019683$            (2,777)$      137$         217$   -         156$       (579)$            929$      166$    (1,068)$  To income tax expense(1)                  (8,752)        (96)            117     6,674    183         (50)                 (692)      808      (1,809)    Balance at December 31, 2019682$            (11,529)$   41$           334$   6,674$  339$       (629)$            237$      974$    (2,877)$  Other liabilities, current$1,004                        $473                            Other liabilities, non-current253                            105                            $ 1,257$ 578December 31, 2019December 31, 2018Gross borrowing base availability$17,554                          Advances, fees and interest(3,506)                           Outstanding letters of credit(300)                               $ 13,748December 31, 2019 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

The Credit Facility is classified in the consolidated statement of financial position as a part of non-current 
liabilities  as  the  Company is  not  required  to  repay  any  balance  outstanding  until  the  maturity  date of 
October 18, 2022, as long as the outstanding balance is not in excess of the Borrowing Base.  The maturity 
date can be  extended, subject  to lenders’ approval.   As at December 31, 2019, the Credit  Facility  was 
comprised of: 

The Credit Facility has multiple interest rate options that are based on the Canadian Prime Rate, Base Rate, 
LIBO Rate, Bankers’ Acceptance Rate plus an acceptance fee, in addition to an Applicable Margin for each 
of these rates.  Fees apply to outstanding letters of credit and the unused portion of the credit.  The finance 
costs for the year ended December 31, 2019 and the effective interest rate based on the average balance 
drawn were as follows: 

The Company incurred $0.3 million  in financing transaction costs in connection with the Credit Facility 
which  were  recorded  as  deferred  financing  transaction  costs  in  the  non-current  period  of  loans  and 
borrowings.  These transactions costs are amortized until the Credit Facility’s maturity date. 

The Company has pledged substantially all of its assets, except for assets pledged to BDC under the Term 
Loan (see Note 15), as a collateral for the Credit Facility, including a first priority security interest over all 
inventory, accounts receivable, excess margin and gains on the commodity account, gains in the foreign 
exchange  line  of  credit  and  other  assets  of  the  Company.    As  at  and  during  the  fiscal  period  ended 
December 31, 2019, the Company was in compliance with all covenants. 

This Credit Facility replaced two former credit facilities, a $14.5 million revolving operating line of credit 
and a $1.5 million swing operating line of credit, where Canadian denominated borrowings were subject 
to an interest at the bank’s prime lending rate plus 0.75% per annum while the US$ denominated revolving 
operation line of credit was subject to LIBOR plus 2.35% per annum. The Company was in compliance with 
the former credit facilities during the years 2018 and 2019. 

30 | P a g e    

Credit facility, current$3,506                             Less unamortized transaction costs(324)                               $ 3,182December 31, 2019Weighted average daily balance$1,795                             Finance costs$6                                     Number of days outsanding22                                   Effective interest rate%5.46                               December 31, 2019Balance, open$-                                      $n/aAdvances3,500                             n/aFees and interest6                                     n/aFinancing transaction costs(341)                               n/aAmortized financing transaction costs17                                   n/aBalance, end$3,182                             $-                                      December 31, 2019December 31, 2018 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

Foreign exchange and commodity futures contract facility 

As part of the Credit Facility, the Company has a US$8.0 million foreign exchange and commodity futures 
contract facility, which allows the Company to enter into spot, forward and other foreign exchange rate 
transactions and commodity futures transactions with the bank with a maximum term of up to 60 months. 

14. 

LEASE LIABILITIES 

14.1 Lease liabilities 

Lease liabilities are as follows: 

The Company leases the following offices, warehouses and equipment:  

  On August 26, 2016, Swiss Water signed a lease agreement for a build-to-suit production facility.  The 
lease  has  an  initial  term  of  five  years  and  can  be  renewed  at  the  Company’s  option  in  five-year 
increments  up  to  a  total  of  30  years.    The  lease  commenced  in  July  2018.    Under  the  lease,  the 
Company has multiple options to buy-out the lease starting at the end of the second five-year term.  
The buy-out value will be equal to the fair market value of the property as determined by an appraisal 
process, subject to specified maximum and minimum values. 

  Swiss Water leases a sales office in France which expires in October 2027. 

  On January  15, 2019, Seaforth  entered into an agreement to lease  a warehouse  facility. The lease 
commenced on April 1, 2019 and expires in June 2027. The Company has two options to renew the 
lease for an additional term of five years each. 

  Swiss Water leases a facility that houses its decaffeination plant and offices.  The lease expires in May 
2023.  Beyond expiry in 2023, the landlord has to approve any subsequent renewal of the lease. 

  Seaforth leases a truck. The lease expires in April 2023. 

  Swiss Water Decaffeinated Coffee Company USA, Inc. leases two sales offices in Seattle, Washington, 

one of which expires in March 2020, while the second one expires in October 2022. 

  Seaforth’s two warehouse leases expired in June and September 2019.  

14.2 Adjustments recognized on the adoption of IFRS 16 

On adoption of IFRS 16, the Company recognized $19.1 million in lease liabilities in relation to leases which 
had previously been classified as operating leases under the principles of IAS 17 Leases. These liabilities 
were measured at the present value of the remaining lease payments plus anticipated exercise of renewal 
options that are at the discretion of the Company, discounted using the incremental borrowing rate as of 
January  1,  2019.  The  weighted  average  incremental  borrowing  rate  applied  to  the  lease  liabilities  at 
inception was 4.92%. 

31 | P a g e    

Lease liability, current$1,525                        $-                                 Lease liability, non - current23,385                      -                                 $24,910                      $-                                 December 31, 2019December 31, 2018 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

A reconciliation between the amount of the lease liability recognized as at the date of initial application 
and operating lease commitments disclosed as at December 31, 2018 is as follows: 

14.3 Amounts recognized in the statement of net income and statement of cash flows 

During the year, finance expense in the amount of $0.8 million (2018: nil) related to a lease was added to 
construction in progress. Also, during the year a gain of 0.03 million was recognized upon the termination 
of a lease (2018: nil). 

From  the  total  of  lease  cash  payments,  the  portion  relating  to  finance  expense  is  recognized  in  the 
operating  activities  while  the  principal  portion  of  lease  payments  is  recognized  in  the  financing 
component of statement of cash flows. 

14.4 Minimum lease payments 

As at December 31, 2019, the minimum payments under leases liabilities are as follows: 

15. 

CONSTRUCTION LOAN 

Business Development Bank (BDC) loan 

During  the  year  ended  December  31,  2018,  the  Company  entered  into  a  term  loan  facility  with  the 
Business Development Bank of Canada (“Term Loan”) of up to $20.0 million. The purpose of the Term 
Loan is to assist in the financing of new equipment for the facility being built in Delta, British Columbia. 
Principal repayments commence on July 1, 2021 and are repaid in equal monthly installments until the 
Term Loan maturity date of June 1, 2033. 

32 | P a g e    

Operating lease commitments as at December 31, 2018$8,451                      Effect of discounts using incremental borrowing rates (4.55%-4.95%)(10,010)                  Extension and termination options reasonably certain to be exercised20,692                   Balance at initial application on January 1, 2019$19,133                   Total Balance January 1, 2019$19,133                      Additions7,788                        Terminations(186)                          Finance expense1,181                        Lease cash payments(3,006)                      Balance at December 31, 2019$24,910                      TotalNo later than 1 year$2,698                               Later than 1 year and no later than 5 years8,873                               Later than 5 years3,176                               $14,747                             December 31, 2019 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

As of December 31, 2019, the loan amount outstanding was as follows: 

The Term Loan bears interest at 4.95% per annum over twelve years.  Interest is based on the outstanding 
loan balance and is paid monthly.  

The  Term  Loan  is  secured  by  a  general  security  agreement  and  a  first  security  interest  on  all  existing 
equipment and machinery plus new equipment and machinery financed with the  Term Loan. Seaforth 
provided a guarantee for the Term Loan. 

Landlord construction loan 

During the year ended December 31, 2018 the Company fully repaid a $6.1 million construction loan and 
$0.1 million in related interest that was due to the landlord. The construction loan pertained to accrued 
construction costs for a new building that houses the new production plant in Delta BC. Interest on that 
construction loan was capitalized during the construction phase. 

16. 

CONVERTIBLE DEBENTURE 

On October 11, 2016, the Company issued an unsecured subordinated convertible debenture for gross 
proceeds of $15.0 million.  The convertible debenture bears interest at a rate of 6.85% per annum to be 
paid quarterly in arrears and is due on October 11, 2023.  The 6.85% interest rate is subject to reaching 
specific covenant thresholds, in excess of these, the interest rate increases to 7.85% per annum. 

The convertible debenture is convertible into common shares of the Company at a conversion price of 
$8.25 per common share.  Under the terms of the agreement, Swiss Water had the option to pay interest-
in-kind for the first two years. If elected, this option would have increased the principal sum by the interest 
owing. The Company chose not to elect to pay interest-in-kind. 

The convertible debenture also includes a net share settlement feature that allows Swiss Water, upon 
conversion, to elect to pay cash equal to the face value of the convertible debenture and to issue common 
shares  equal  to  the  excess  value  of  the  underlying  equity  above  the  face  value  of  the  convertible 
debenture.  If  the  net  share  settlement  option  is  elected,  it  will  result  in  fewer  common  shares  being 
issued.  In 2016, the Company paid financing costs of $0.5 million in respect of issuing the convertible 
debenture. 

The  liability  component  was  initially  measured  at  a  fair  value  of  $11.2  million,  which  represents  the 
present value of the contractually determined stream of cash flows discounted at the prevailing market 

33 | P a g e    

Accrued interest in accrued liabilities$84                              $15                              Construction loan in non-current liabilities20,000                      9,400                        $20,084                      $9,415                        December 31, 2019December 31, 2018Balance, open$9,415                        $-                                 Additions10,600                      9,400                        Interest charged733                            15                              Interest paid(664)                          -                                 Balance, end$20,084                      $9,415                        December 31, 2019December 31, 2018 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

interest rate at that time applicable to instruments of comparable credit status and providing substantially 
the same cash flows, on the same terms, but without derivative components, of 12.15% per annum. 

The  Company  uses  the  residual  value  method  to  allocate  the  fair  value  of  the  convertible  debenture 
between the liability component and the derivative liability.  Under this method, as at December 31, 2019, 
the derivative liabilities include the fair value of the derivative liability related to the convertible debenture 
in  the  amount  of  $1.7  million  (2018:  $0.9  million).    During  the  year  ended  December  31,  2019,  this 
revaluation resulted in losses of $0.8 million being recorded in the statement of income (2018: gain of 
$1.8 million). 

The fair value of the derivative liability was determined using the Black-Scholes Option Pricing Model. The 
variables and assumptions used in computing the fair value are based on management’s best estimate. 
The value varies with different variables of certain subjective assumptions. Inputs into the Black-Scholes 
Option Pricing Model to determine the fair value of the conversion option were: 

17.  ASSET RETIREMENT OBLIGATION (“ARO”) 

The Company estimates the total undiscounted amount of any cash flows required to settle its ARO is 
approximately $1.6 million.  Of that amount $0.9 million, is estimated to be incurred on or about the expiry 
of a lease renewal term in 2023 and $0.7 million is estimated to be incurred on or about the year 2038.  
As at December 31, 2019, the Company has a long-term liability ARO of $1.3 million (2018: $0.8 million), 
reflecting the present value of the ARO using credit adjusted risk-free rates between 1.25% and 1.76%. 

18. 

SHARE CAPITAL 

Swiss Water is authorized to issue an unlimited number of common shares.  Each share is equally eligible 
to receive dividends when declared and represents one vote at meetings of shareholders.  As of December 
31, 2019, there were 9,061,210 common shares issued and outstanding. 

34 | P a g e    

Balance, open$12,082                      $11,658                      Interest charged1,506                        1,452                        Interest paid(1,028)                      (1,028)                      Balance, end$12,560                      $12,082                      December 31, 2019December 31, 2018Balance, open$910                            $2,709                        Change in fair valuation of derivative embedded option 770                            (1,799)                      Balance, end$1,680                        $910                            December 31, 2019December 31, 2018Share price $                        6.92  $                        4.97 Exercise price $                        8.25  $                        8.25 Option life3.78 years4.78 yearsVolatility31%37%Risk-free interest rate1.68%1.88%Dividend yield3.61%5.03%December 31, 2019December 31, 2018 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

18.1 Restricted share units 

The Company has a restricted share unit plan (“RSU Plan”) which allows it to grant RSUs to officers, 
employees and consultants of Swiss Water or its subsidiaries.  The RSU Plan is administered by the Board 
of Directors, which sets the terms of incentive awards under the RSU Plan.  On June 19, 2019, Swiss 
Water shareholders approved an increase in the number of common shares available for issuance under 
the 2011 Restricted Share Unit Plan as amended in June 2019.  The increase is from a maximum of 
333,760 common shares to a maximum of 815,509 common shares.  These grants vest on the third 
anniversary of issuance (with certain exceptions) provided the grant recipient is still employed by Swiss 
Water or one of its subsidiaries as at the date of vesting.  Grants are forfeited (with certain exceptions) if 
a recipient is no longer employed by Swiss Water or one of its subsidiaries.  Upon vesting, each RSU 
converts to one common share.  These grants allow participants to receive up to 50% of the market 
value of the award in cash (instead of shares) upon vesting, in order to facilitate payment of taxes owing 
on the awards.  Any RSUs paid in cash are returned to the pool and may be re-issued, subject to the 
maximum number of common shares available under RSU. 

Periodically, the Company grants RSU awards.  Each award is increased by the value of dividends paid to 
shareholders during the vesting period, using a formula  that uses the higher of the then-current share 
price and $3.20. 

The movement in RSUs for the years ended December 31, 2019 and December 31, 2018 was as follows: 

18.2 Deferred share units 

The  Company  has  a  deferred  share  unit  plan  (the  “DSU  Plan”)  in  order  to  issue  deferred  share  units 
(“DSUs”)  to  non-employee  directors  (collectively,  “participants”)  of  Swiss  Water.    The  DSU  Plan  was 
adopted to allow participants the opportunity to defer compensation and encourage a sense of ownership 
in Swiss Water.  Under the DSU Plan, participants may elect to defer compensation and receive DSUs equal 
to the value of the deferred compensation. 

The first DSUs were issued in April 2012.  The number of DSUs was determined by dividing the amount of 
deferred compensation by the Fair Market Value (“FMV”).  The FMV of DSUs is defined in the DSU Plan as 

35 | P a g e    

Number of RSUsAverage remaining vesting period (years)Performance basedBalance at January 1, 2018100,783                 6.58$              1.15                             RSUs granted91,000                    6.35$              2.15                             NoRSUs issued for dividends4,891                      6.08$              1.75                             NoRSUs cash-settled(28,304)                  7.04$              -                               RSUs exercised(22,348)                  7.04$              -                               RSUs forfeited(23,288)                  6.25$              -                               NoBalance at December 31, 2018122,734                 5.01$              1.83                             Balance at January 1, 2019122,734                 5.01$              1.83                             RSUs granted98,000                    5.06$              2.15                             NoRSUs issued for dividends8,142                      6.05$              1.30                             NoRSUs forfeited(4,040)                    6.32$              -                               NoBalance at December 31, 2019224,836                 7.07$              1.40                              Volume based weighted average share price  
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

the weighted average closing price of Swiss Water shares for the five business days immediately preceding 
the relevant date. 

Upon the occurrence of a redemption event, the affected participant will be entitled to receive a lump 
sum cash payment, net of applicable withholding taxes, equal to the product of the number of DSUs held 
by that participant and the FMV on the date of the redemption event.  The DSUs do not contain any vesting 
conditions or forfeiture provisions, as they are issued in exchange for deferred compensation. 

Under the DSU Plan, outstanding DSUs as at the record date are increased by the dividend rate whenever 
dividends are paid to shareholders. 

The movement in DSUs for the years ended December 31, 2019, and December 31, 2018, was as follows: 

19.  DIVIDENDS 

For the year ended December 31, 2019, the Company declared quarterly eligible dividends to shareholders 
totaling  $2.3  million  or  $0.25  per  share  (2018:  $2.3  million  or  $0.25  per  share)  of  which,  the  fourth 
quarterly dividend in the amount of $0.6 million was payable at December 31, 2019 (2018: $0.6 million). 

20.  REVENUE 

20.1 Disaggregation of revenue 

Revenue disaggregated by geographical markets is disclosed in Note 25.  The Company also disaggregates 
revenue  by  major  products  and  services:  decaffeinated  coffee  sales,  decaffeination  services,  and 
distribution with the following results for the years ended December 31, 2019 and 2018: 

20.2 Contract balances 

As at December 31, 2019 the accounts receivable balance of $14.6 million (2018: $14.3 million) consists 
of  amounts  due  from  customer  contracts  and  reflects  the  Company’s  right  to  a  consideration  that  is 
unconditional.  The  Company  did  not  have  other  contract  assets  or  liabilities  from  contracts  with 
customers. 

36 | P a g e    

Number of DSUsPerformance basedBalance at January 1, 201870,574                        6.60$                          DSUs issued 24,665                        6.23$                          NoBalance at December 31, 201895,239                        4.97$                          Balance at January 1, 201995,239                        4.97$                          DSUs issued 31,028                        5.85$                          NoBalance at December 31, 2019126,267                      6.92$                           Weighted average share price Decaffeinated coffee sales$82,929$78,974Decaffeination services6,8965,117Distribution7,4055,848$97,230$89,939December 31, 2019December 31, 2018 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

21. 

EMPLOYEE BENEFITS EXPENSES 

Expenses recognized for employee benefits are detailed below: 

Short-term benefits comprise salaries, accrued bonuses, benefits and director fees.  Long-term benefits 
comprise share-based compensation under the RSU Plan and the DSU Plan. 

Post-employment  benefits  are  contributions  to  employee  retirement  accounts,  as  well  as  statutory 
remittances related to post-employment benefits. These are recognized as an expense when employees 
have rendered service entitling them to the contributions. 

22.  RELATED PARTY TRANSACTIONS 

The Company’s related parties include its subsidiaries, key management personnel and a company related 
to a director. Details of transactions between the Company and related parties (other than its subsidiaries 
identified in the Nature of Business Note 1) are discussed below.  All intercompany transactions, balances, 
income and expenses are eliminated on consolidation. 

22.1 Compensation of Key Management Personnel 

The remuneration of directors and key management personnel during the year was as follows: 

22.2 Trading transactions 

During the year, the Company entered into the following transactions with a company that is related to a 
director: 

As  at  December  31,  2019,  the  Company  had  the  following  balances  receivable  from  and  payable  to  a 
company that is related to a director: 

37 | P a g e    

Short-term benefits$9,757                 $8,525                 Long-term benefits868                    254                    Post-employment benefits813                    701                    $11,438               $9,483                 December 31, 2019December 31, 2018Short-term benefits$2,330                 $1,725                 Long-term benefits742                    207                    Post-employment benefits118                    71                      $3,190                 $2,003                 December 31, 2019December 31, 2018Sales$957                    $393                    Purchases of raw materials$3,843                 $5,957                 December 31, 2019December 31, 2018Accounts receivable$11                      $5                        Accounts payable$518                    $310                    December 31, 2019December 31, 2018 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

These transactions were in the normal course of operations and were measured at the fair value of the 
consideration or receivable, which was established and agreed to by both parties. 

22.3 Promissory note 

On March 16, 2017, a subsidiary of the Company and a member of key management (the “borrower”) 
entered into a promissory note in the amount of US$0.1 million.  For as long as the borrower remains an 
employee, the obligation to repay the principal is forgiven against current and future awards under the 
RSU Plan, by forfeiture of awards.  The loan is interest free other than in the event of default, in which 
case the promissory note shall bear simple interest at a rate of 10% per annum. 

23.  BASIC AND DILUTED EARNINGS PER SHARE (“EPS”) 

The following potential common shares are anti-dilutive and are therefore excluded from the weighted 
average number of common shares outstanding for the purposes of calculating the diluted earnings per 
share: 

24. 

SUPPLEMENTAL CASH FLOW INFORMATION 

Cash  and  cash  equivalents  comprise  cash  on  hand  together  with  short-term  investments.    These 
investments consist of highly rated and liquid money market instruments with original maturities of three 
months or less. 

38 | P a g e    

Basic earnings per shareNet income attributable to shareholders$2,944                        $4,531                        Weighted average number of shares9,061,210                9,058,149                Basic earnings per share$0.32                          $0.50                          Diluted earnings per shareNet income attributable to shareholders$2,944                        $4,531                        Interest on convertible debenture-                                 1,063                        Gain on fair value adjustment of embedded option-                                 (1,799)                      Net income after effect of diluted securities$2,944                        $3,795                        Weighted average number of shares - basic9,061,210                9,058,149                Effect of diluted securities: convertible debenture-                                 1,818,182                Weighted average number of shares - diluted9,061,210                10,876,331             Diluted earnings per share$0.32                          $0.35                          December 31, 2019December 31, 2018December 31, 2019December 31, 2018Weighted average number of RSUs granted224,502             95,437               Convertible debenture1,818,182          -                         December 31, 2018December 31, 2019 
 
 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

Changes in non-cash working capital are as follows: 

Interest paid includes $0.7 million of interest on the construction loan and $0.8 million of interest on lease 
liabilities which were capitalized throughout the year during the construction phase of the new facility 
(2018: $nil and $nil). 

For the year ended December 31, 2019, a $7.7 million (2018: $3.7 million) in additions to construction in 
progress  was  accrued  in  accounts  payable  and  accrued  liabilities.  Also,  during  the  year  the  Company 
capitalized $0.8 million of depreciation related to right-of-use assets and $0.5 million of asset retirement 
obligation (2018: $nil and $nil).   These are investing transactions which did not require the  use of the 
Company’s cash or cash equivalents. 

During the year ended December 31, 2018 the Company fully repaid a $6.1 million construction loan and 
related $0.1 million in interest that was due to the landlord. This construction loan was incurred during 
the construction of a building that houses the new production plant.  

Lease payments for a short-term lease not included in the measurement of the lease liability are classified 
as cash flows from operating activities.  The Company has classified the principal portion of lease payments 
within financing activities and the interest portion within operating activities.  

Proceeds from the credit facility were $3.5million and the Company paid $0.3 million in financing costs to 
obtain the credit facility (2018: $nil and nil, respectively). 

25. 

SEGMENT REPORTING 

The Company’s sales are primarily generated by the decaffeination of green coffee segment and in three 
geographic areas: Canada, the United States  and other international markets. The  Company’s revenue 
from  external  customers  and  its  non-current  assets  (excluding  deferred  tax  assets),  by  location,  are 
detailed below. 

25.1 Revenue 

39 | P a g e    

Accounts receivable$(261)                          $(2,160)                      Inventories(2,141)                      1,433                        Other assets and liabilities683                            6                                Prepaid expenses and other receivables593                            (322)                          Accounts payable and accrued liabilities2,981                        1,535                        Derivative assets and liabilities and hedged firm       commitments at fair value through profit and loss(1,197)                      (1,215)                      $658                            $(723)                          December 31, 2018December 31, 2019Canada$33,282                      $32,217                      United States46,104                      45,558                      International and other17,844                      12,164                      $97,230                      $89,939                      December 31, 2018December 31, 2019 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

25.2 Non-current assets (excluding deferred tax assets) 

26. 

FINANCIAL RISK MANAGEMENT 

The  Company’s  risk  management  program  focuses  on  the  unpredictability  of  commodity  prices  and 
foreign  exchange  rates  and  seeks  to  minimize  potential  adverse  effects  on  the  Company’s  financial 
performance  and  cash  flows.    The  Company  uses  derivative  financial  instruments  to  hedge  these  risk 
exposures. In addition, the Company monitors other financial risks on a regular basis. 

Risk  management  is  carried  out  under  policies  approved  by  the  Board  of  Directors.    The  Company’s 
exposure to and management of financial risks is discussed in more detail below. 

26.1  Commodity price risk 

Commodity price  risk  is the  risk that the fair value of  inventory will fluctuate as a result of changes in 
commodity prices.  The Company utilizes futures contracts to manage its commodity price exposure.  The 
Company buys and sells futures contracts for coffee on the Intercontinental Exchange in order to offset 
its inventory position and fix the input cost of green coffee.  As at December 31, 2019, the Company had 
futures  contracts  to  buy  3.6  million  lbs  of  green  coffee  with  a  notional  value  of  US$4.7  million,  and 
contracts  to  sell  6.6  million  lbs  of  green  coffee  with  a  notional  value  of  US$8.3  million.    The  furthest 
contract matures in September 2020 (2018: buy 4.5 million lbs of green coffee with a notional value of 
US$4.7 million, and contracts to sell 4.7 million lbs of green coffee with a notional value of US$4.7 million). 

The following tables provide a summary of commodity hedges designated as hedging instruments: 

40 | P a g e    

Canada$94,786                      $47,334                      United States263                            103                            Europe210                            -                                 $95,259                      $47,437                      December 31, 2019December 31, 2018Carrying amount of hedging instrumentsFair value hedgeNominal amount of hedging instruments (in US$'000)$3,665                             $10                                    hedging instrument is located Derivative Assets$576                                $495                                  Derivative Liabilities-                                      -                                       Changes in fair value used for calculating hedge ineffectiveness-                                      -                                       December 31, 2018Commodity price risk Coffee futuresCommodity price risk Coffee futuresDecember 31, 2019Line item in the statement of financial position where  
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

26.2  Foreign currency risk 

The Company realizes a significant portion of its sales in US$, and purchases green coffee in US$ which is, 
in some cases, sold to customers in Canadian dollars.  The Company enters into forward foreign currency 
contracts to manage its exposure to currency rate fluctuations and to minimize the effect of exchange rate 
fluctuations on business decisions.  These contracts relate to the Company’s future net cash flows in US$ 
from sales.  In addition, the Company enters into forward contracts to buy US$ for coffee that it resells in 
Canadian dollars. 

As at December 31, 2019, the Company had forward currency contracts to buy US$3.8 million and sell 
US$53.0  million  (2018:  buy  US$6.6  million  and  sell  US$65.0  million)  from  January  2020  through  to 
September 2023 at various Canadian exchange rates ranging from $1.2147 to $1.3482. 

The  following  tables  provide  a  summary  of  amounts  related  to  foreign  currency  forward  contracts 
designated as hedging instruments. Not included in tables below are fair value changes for swap contracts, 
as these are not designated hedge instruments. 

Currency risk hedges on US$ purchases 

As  at  December  31,  2019,  the  Company  designated  as  hedging  instruments  US$3.8  million  in  forward 
contracts to buy US dollars, which relate to coffee purchases (2018: US$6.6 million). 

41 | P a g e    

Fair value hedgeand coffee inventoryand coffee inventoryNominal amount of hedged item (in '000 lbs)3,031                             245                                  Inventories & hedgedInventories & hedgedhedged item is located firm commitmentsfirm commitmentsAssets  $                               1,617  $                                    614 Liabilities                                   730                                    791 Changes in fair value used for calculating hedge ineffectiveness                                       -                                          - December 31, 2018Purchase commitments Line items in the statement of financial position where Purchase commitments Accumulated amount of fair value hedge adjustment on hedged item included in the carrying amount of the hedged items December 31, 2019Carrying amount of hedging instrumentsFair value hedgeForeign currencyForeign currency purchase forwards  purchase forwardsNominal amount of hedging instruments (in US$'000)$3,797                             $6,593                              Line item in the statement of financial position where hedging instrument is located Derivative Assets$-                                      $385                                  Derivative Liabilities140                                -                                       Changes in fair value used for calculating hedge ineffectiveness-                                      -                                       December 31, 2019December 31, 2018 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

Currency risk on hedge on US$ future revenue: 

As at December 31, 2019, the Company designated as hedging instruments US$35.9 million in forward 
contracts  to  sell  US  dollars,  which  relate  to  highly  probable  forecasted  sales  revenue,  (2018:  US$47.1 
million). 

26.3 

Interest rate risk  

Interest rate risk is the risk that the fair value or future cash flows of a financial instrument will fluctuate 
due to changes in market interest rates.  The Company believes that interest rate risk is low as all cash 
equivalents and short-term investments are  made  in fixed-rate  instruments.  The Company does  have 
some interest rate risk related to its credit facility; however, the obligations are small enough that any 
exposure  is  not  material  at  this  time.   There  is  no  interest  rate  risk  on the  convertible  debenture  and 
construction loan as the interest rates are fixed. 

42 | P a g e    

Fair value hedgeFirm purchase commitmentsFirm purchase commitments& inventories& inventoriesNominal amount of hedged item (in US$'000)$3,797                             $6,593                              Line item in the statement of financial position whereInventories & hedgedInventories & hedgedhedged item is located firm commitmentsfirm commitmentsAssets                                   157                                          - Liabilities                                        -                                    404 Changes in fair value used for calculating hedge ineffectiveness                                       -                                          - Accumulated amount of fair value hedge adjustment on hedged item included in the carrying amount of the hedged items December 31, 2019December 31, 2018Carrying amount of hedging instrumentsCashflow hedgeNominal amount of hedging instruments (in US$'000)$35,870                          $47,111                            hedging instrument is located Derivative Assets39                                   4                                       Derivative Liabilities971                                3,322                              -                                      -                                       December 31, 2019December 31, 2018Currency riskForeign currency forwardsCurrency riskForeign currency forwardsChanges in fair value used for calculating hedge ineffectivenessLine items in the statement of financial position where Cashflow hedgeNominal amount of hedged item (in US$'000)                            35,870                              47,111 Accumulated other Accumulated other hedged item is located comprehensive incomecomprehensive incomeAssets  n/a  n/a Liabilities  n/a  n/a Changes in fair value used for calculating hedge ineffectiveness                                       -                                          - Cashflow hedge reserve                                (932)                             (3,496)December 31, 2018Currency riskForeign currency forwardsCurrency riskForeign currency forwardsLine items in the statement of financial position where Accumulated amount of fair value hedge adjustment on hedged item included in the carrying amount of the hedged items December 31, 2019 
 
 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

26.4  Credit risk 

The Company is exposed to credit risk with respect to its cash and cash equivalents, accounts receivable, 
and derivative financial instruments. 

The Company does not have significant credit risk related to cash and cash equivalents as amounts are 
held with major financial institutions. 

The  Company  follows  a  program  of  credit  evaluations  of  customers  and  limits  the  amount  of  credit 
extended when deemed necessary.  For the year ended December 31, 2019, revenues from three major 
customers of $32.2 million (2018: $32.0 million) represented 33% (2018: 36%) of total revenues for the 
year.    Three  major  customers  represented  53%  of  total  accounts  receivable  as  at  December  31,  2019 
(2018: 43%). 

The Company had 13% of its  accounts  receivable past  due  but  not  impaired as at  December 31, 2019 
(2018: 19%).  Of the past due accounts receivable, 92% are 1-30 days past due (2018: 91%), while 8% are 
over 31 days past due (2018: 9%). 

The Company manages the credit risk related to its derivative financial instruments by entering into such 
contracts only with high credit quality institutions. 

26.5  Liquidity risk 

The Company has in place a planning and budgeting process to assist in determining the funds required 
to support the Company’s normal operating requirements on an ongoing basis and its future plans.  The 
Company ensures that there are sufficient committed financing facilities to meet its short-term business 
requirements,  taking  into  account  its  anticipated  cash  flows  from  operations,  its  existing  bank 
indebtedness  and  additional  borrowing  capacity.    The  Company  has  maintained  compliance  with  its 
banking covenants and remains able to satisfy its liabilities as they become due. 

Non-derivative financial liabilities are as follows: 

26.6  Fair value of financial instruments 

Financial instruments that are measured at fair value are categorized as follows. During the year ended 
December 31, 2019, there were no transfers between level 1 and 2 instruments. 

43 | P a g e    

2021 to 2022Accounts payable$11,103                      $11,103          $-                     $-                     $-                     Credit facility3,500                        -                     3,500            -                     -                     Other liabilities1,257                        1,004            253                -                     -                     Lease liabilities24,910                      2,698            5,591            3,282            3,176            Construction loan 20,000                      -                     2,500            3,333            14,167          Convertible debenture12,560                      -                     -                     15,000          -                     Total $73,330                      $14,805          $11,844          $21,615          $17,343          Carrying AmountContractual Cash FlowsThereafter2023 to 20242020December 31, 2019 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

27. 

COMMITMENTS 

In addition to lease liabilities, the Company has the following commitments: 

The  Company  has  provided  a  standby  letter of  credit  in  the  amount  of  $0.3  million  as  security  to the 
landlord. 

The Company has, in the normal course of business, entered into various contracts.  As at December 31, 
2019, these contracts related to the purchase of green coffee in the amount of $31.5 million (2018: $37.6 
million), and natural gas purchase commitments in the amount of $0.5 million (2018: $0.1 million), and 
capital purchases commitments of $2.8million (2018: $2.4 million). A $34.0 million of these contracts will 
become payable within twelve months from December 31, 2019. 

28. 

SUBSEQUENT EVENTS 

On January 15, 2020, the Company paid an eligible dividend in the amount of $0.6 million ($0.0625 per 
share) to shareholders of record on December 31, 2019. 

On February 24, 2020, a total of 17,570 of the outstanding RSUs vested and were converted to common 
shares, pursuant to the 2011 Restricted Share Unit Plan as amended on June 18, 2019. 

In  March  2020,  the  World  Health  Organization  declared  a  global  pandemic  known  as  COVID-19*.  The 
expected impacts on global commerce are expected to be far reaching. This will impact demand for our 
products and services in the near term and will impact our supply chains. It may also impact expected 
credit losses on our amounts due from customers and whether the entity continues to meet the criteria 
for hedge accounting. For example, if a hedged forecast transaction is no longer highly probable to occur, 
hedge accounting is discontinued. 

44 | P a g e    

Financial assetsCash and cash equivalents$6,739                        $6,739               $-                        $-                        Derivative assets945                            576                  369                  -                        $7,684                        $7,315               $369                  $-                        Financial liabilitiesDerivative liabilities$2,978                        $-                        $2,978               $-                        Credit facility3,182                        -                        3,182               -                        Construction loan  20,000                      -                        20,000            -                        Other liabilities1,257                        -                        1,257               -                        $27,417                      $-                        $27,417            $-                        Financial assetsCash and cash equivalents$8,336                        $8,336               $-                        $-                        Derivative assets883                            495                  388                  -                        $9,219                        $8,831               $388                  $-                        Financial liabilitiesDerivative liabilities$5,109                        $-                        $5,109               $-                        Other liabilities578                            -                        578                  -                        $5,687                        $-                        $5,687               $-                        Level 3Level 3December 31, 2018Level 1Level 2December 31, 2019Level 1Level 2 
 
SWISS WATER DECAFFEINATED COFFEE INC. 
Notes to the Consolidated Financial Statements 
For the Year ended December 31, 2019 
(Tabular amounts are in thousands of Canadian dollars) 

*Under IAS 10, Events after the reporting period, events such as this are considered to be non-adjusting 
subsequent  events.  The  impacts  to  the  Company  are  not  determinable  at  the  date  of  these  financial 
statements,  however  they  could  be  material  and  include  impairments  of  receivables,  inventory  and 
liquidity. 

45 | P a g e    

 
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