REG - Close Bros Grp PLC - Preliminary results for year ended 31 July 2016 <Origin Href="QuoteRef">CBRO.L</Origin> - Part 2
27/09/2016 07:06
- Part 2: For the preceding part double click ID:nRSa8726Ka
847.4 1,038.0
Settlement balances 478.1 398.3
Loans and advances to banks 121.5 84.6
Loans and advances to customers 7 6,431.6 5,737.8
Debt securities 8 221.3 149.5
Equity shares 9 28.2 41.2
Loans to money brokers against stock advanced 52.4 38.4
Derivative financial instruments 44.7 19.7
Intangible assets 10 147.9 144.2
Property, plant and equipment 185.8 148.4
Deferred tax assets 55.2 39.4
Prepayments, accrued income and other assets 134.1 117.8
Total assets 8,748.2 7,957.3
Liabilities
Settlement balances and short positions 12 475.6 404.3
Deposits by banks 13 71.1 35.1
Deposits by customers 13 4,894.6 4,481.4
Loans and overdrafts from banks 13 469.1 381.2
Debt securities in issue 13 1,422.8 1,365.0
Loans from money brokers against stock advanced 30.0 -
Derivative financial instruments 16.3 7.1
Current tax liabilities 20.0 17.9
Accruals, deferred income and other liabilities 205.4 209.0
Subordinated loan capital 46.4 46.4
Total liabilities 7,651.3 6,947.4
Equity
Called up share capital 37.7 37.7
Share premium account 284.0 284.0
Retained earnings 797.5 694.4
Other reserves (22.1) (6.3)
Total shareholders' equity 1,097.1 1,009.8
Non-controlling interests (0.2) 0.1
Total equity 1,096.9 1,009.9
Total liabilities and equity 8,748.2 7,957.3
COnsolidated Statement of CHANGES IN EQUITY
for the year ended 31 July 2016
Other reserves
Called up share capital Share premium account Retained earnings Available for sale movements reserve Share-basedpayments reserve Exchange movements reserve Cashflow hedging reserve Total attributable to equity holders Non-controlling interests Total equity
£ million £ million £ million £ million £ million £ million £ million £ million £ million £ million
At 1 August 2014 37.7 283.8 589.8 9.6 (7.5) 1.0 2.1 916.5 1.1 917.6
Profit for the year - - 185.7 - - - - 185.7 - 185.7
Other comprehensive (expense)/income - - (1.6) (6.3) - (3.8) (4.4) (16.1) - (16.1)
Total comprehensive income/(expense) for the year - - 184.1 (6.3) - (3.8) (4.4) 169.6 - 169.6
Exercise of options - 0.1 - - - - - 0.1 - 0.1
Dividends paid - - (74.3) - - - - (74.3) (0.1) (74.4)
Shares purchased - - - - (18.2) - - (18.2) - (18.2)
Shares issued - 0.1 - - - - - 0.1 - 0.1
Shares released - - - - 20.5 - - 20.5 - 20.5
Other movements - - (8.3) - 0.7 - - (7.6) (0.9) (8.5)
Income tax - - 3.1 - - - - 3.1 - 3.1
At 31 July 2015 37.7 284.0 694.4 3.3 (4.5) (2.8) (2.3) 1,009.8 0.1 1,009.9
Profit for the year - - 186.5 - - - - 186.5 (0.2) 186.3
Other comprehensive (expense)/income - - (1.6) (3.3) - 1.7 (4.4) (7.6) - (7.6)
Total comprehensive income/(expense) for the year - - 184.9 (3.3) - 1.7 (4.4) 178.9 (0.2) 178.7
Exercise of options - - - - - - - - - -
Dividends paid - - (80.3) - - - - (80.3) - (80.3)
Shares purchased - - - - (24.4) - - (24.4) - (24.4)
Shares issued - - - - - - - - - -
Shares released - - - - 12.8 - - 12.8 - 12.8
Other movements - - (2.5) - 1.8 - - (0.7) (0.1) (0.8)
Income tax - - 1.0 - - - - 1.0 - 1.0
At 31 July 2016 37.7 284.0 797.5 - (14.3) (1.1) (6.7) 1,097.1 (0.2) 1,096.9
Consolidated Cash Flow Statement
for the year ended 31 July 2016
2016 2015
Note £ million £ million
Net cash outflow from operating activities 15(a) (18.8) (18.0)
Net cash (outflow)/inflow from investing activities
Purchase of:
Property, plant and equipment (13.6) (14.8)
Intangible assets - software (21.7) (19.1)
Subsidiaries and non-controlling interest 15(b) (3.6) (1.0)
Sale of:
Property, plant and equipment 0.1 0.1
Equity shares held for investment 7.6 5.6
Subsidiary 15(c) 2.3 23.2
(28.9) (6.0)
Net cash outflow before financing activities (47.7) (24.0)
Financing activities
Issue of ordinary share capital, net of transaction costs 15(d) - 0.1
Purchase of own shares for employee share award schemes (24.4) (18.2)
Equity dividends paid (80.3) (74.2)
Dividends paid to non-controlling interests - (0.1)
Interest paid on subordinated loan capital and debt financing (28.0) (18.6)
Net decrease in cash (180.4) (135.0)
Cash and cash equivalents at beginning of year 1,103.7 1,238.7
Cash and cash equivalents at end of year 15(e) 923.3 1,103.7
THE NOTES
1. Basis of preparation and accounting policies
The financial information contained in this announcement does not constitute the statutory accounts for the years ended 31
July 2016 or 31 July 2015 within the meaning of section 435 of the Companies Act 2006, but is derived from those accounts.
The accounting policies used are consistent with those set out in the Annual Report 2015.
The financial statements are prepared on a going concern basis.
Whilst the financial information has been prepared in accordance with the recognition and measurement criteria of
International Financial Reporting Standards ("IFRS"), this announcement does not itself contain sufficient information to
comply with IFRS. The company expects to publish full financial statements that comply with IFRS by 3 October 2016.
The financial information for the year ended 31 July 2016 has been derived from the audited financial statements of Close
Brothers Group plc for that year. Statutory accounts for 2015 have been delivered to the Registrar of Companies and those
for 2016 will be delivered following the company's Annual General Meeting. The auditor, Deloitte LLP, has reported on those
accounts: their report was unqualified, did not draw attention to any matters by way of emphasis and did not contain
statements under Section 498(2) or (3) of the Companies Act 2006.
Re-presentation of consolidated income statement
As announced on 13 September 2016, following a review of our financial reporting, we have implemented minor changes to the
calculation of key metrics in the Banking division to better represent the contribution of operating lease assets and the
role of Treasury. This has resulted in depreciation of operating lease assets, previously included in administrative
expenses, to be reported as a cost of sales and included in operating income in the consolidated income statement.
To enable comparisons and in line with the treatment adopted for the 2016 consolidated income statement, the 2015
comparative information has also been re-presented. This has resulted in non-interest income and operating income to
decrease by £16.7 million with a corresponding decrease in administrative expenses and total operating expenses before
amortisation of intangible assets on acquisition.
There has been no impact on profit attributable to shareholders or equity.
2. Segmental analysis
The Executive Committee, which is considered to be the group's chief operating decision maker, manages the group by class
of business as determined by the products and services offered and presents the segmental analysis on that basis. The
group's activities are organised in three primary operating divisions: Banking, Securities and Asset Management. The Group
segment includes the group's central functions which comprise Group Executive, Finance, Marketing, Communications, Investor
Relations, Legal, Human Resources, Internal Audit, Compliance, Corporate Development, Company Secretariat and Risk. Group
administrative expenses include staff costs, legal and professional fees and property costs attributable to the central
functions which support and assist the development of the divisions. Income within Group is typically immaterial and will
include interest on cash balances at Group. In the segmental reporting information which follows, Group consists of the
central functions described above as well as various non-trading head office companies and consolidation adjustments, in
order that the information presented reconciles to the consolidated income statement and balance sheet.
Divisions charge market prices for services rendered to other parts of the group. Funding charges between Banking
businesses are determined by the Banking division's Treasury operation taking into account commercial demands. Funding
arrangements between other segments is limited. More than 90% of all the group's activities, revenue and assets are
located in the UK.
Banking Securities Asset Management Group Continuing operations
£ million £ million £ million £ million £ million
Summary Income Statement for year ended 31 July 2016
Net interest income/(expense) 422.2 (0.6) 0.4 0.6 422.6
Non-interest income 89.0 82.9 91.9 1.0 264.8
Operating income 511.2 82.3 92.3 1.6 687.4
Administrative expenses (229.7) (61.7) (75.9) (24.2) (391.5)
Depreciation and amortisation (20.6) (1.6) (2.0) (0.2) (24.4)
Impairment losses on loans and advances (37.9) - - - (37.9)
Total operating expenses (288.2) (63.3) (77.9) (24.4) (453.8)
Adjusted operating profit/(loss)1 223.0 19.0 14.4 (22.8) 233.6
Amortisation of intangible assets on acquisition (0.5) - (4.6) - (5.1)
Operating profit/(loss) before tax 222.5 19.0 9.8 (22.8) 228.5
External operating income/(expense) 524.6 82.3 92.9 (12.4) 687.4
Inter segmentoperating(expense)/income (13.4) - (0.6) 14.0 -
Segment operating income 511.2 82.3 92.3 1.6 687.4
1 Adjusted operating profit/(loss) is stated before amortisation of intangible assets on acquisition, profit on disposal
of discontinued operations and tax.
Banking Securities Asset Management Group Total
£ million £ million £ million £ million £ million
Balance Sheet Information at 31 July 2016
Total assets 7,988.7 647.5 104.8 7.2 8,748.2
Total liabilities 7,195.5 577.8 49.1 (171.1) 7,651.3
Equity 793.2 69.7 55.7 178.3 1,096.9
Other segmental information for the year ended 31 July 2016
Property, plant, equipment and intangible asset expenditure 95.0 3.4 3.0 - 101.4
Employees (average number) 2,077 238 570 61 2,946
The following table provides further detail on operating income:
2016 20151
£ million £ million
Banking
Retail Finance 204.6 186.3
Commercial Finance 202.3 195.9
Property Finance 104.3 99.7
Securities
Market-making and related activities 82.3 94.6
Asset Management
Investment management 57.4 54.1
Advice and other services 32.1 36.1
Other income 2.8 5.4
Group 1.6 0.7
Operating income from continuing operations 687.4 672.8
1 Re-presented - see note 1.
Banking Securities Asset Management Group Continuing operations
£ million £ million £ million £ million £ million
Summary Income Statement for year ended 31 July 20151
Net interest income/(expense) 396.5 (0.9) 0.2 0.7 396.5
Non-interest income 85.4 95.5 95.4 - 276.3
Operating income 481.9 94.6 95.6 0.7 672.8
Administrative expenses (214.6) (69.0) (76.4) (26.3) (386.3)
Depreciation and amortisation (16.7) (1.0) (1.4) (0.6) (19.7)
Impairment losses on loans and advances (41.9) - - - (41.9)
Total operating expenses (273.2) (70.0) (77.8) (26.9) (447.9)
Adjusted operating profit/(loss)2 208.7 24.6 17.8 (26.2) 224.9
Amortisation of intangible assets on acquisition (0.5) - (4.5) - (5.0)
Operating profit/(loss) before tax 208.2 24.6 13.3 (26.2) 219.9
External operating income/expense 511.8 94.6 96.5 (13.4) 689.5
Inter segment operating (expense)/income (13.2) - (0.9) 14.1 -
Segment operating income 498.6 94.6 95.6 0.7 689.5
1 Re-presented - see note 1.
2 Adjusted operating profit/(loss) is stated before amortisation of intangible assets on acquisition, profit on disposal
of discontinued
operations and tax.
Banking Securities Asset Management Group Total
£ million £ million £ million £ million £ million
Balance Sheet Information at 31 July 2015
Total assets 7,303.1 538.7 101.1 14.4 7,957.3
Total liabilities 6,592.0 466.8 53.5 (164.9) 6,947.4
Equity 711.1 71.9 47.6 179.3 1,009.9
Other segmental information for the year ended 31 July 2015
Property, plant, equipment and intangible asset expenditure 74.7 3.5 2.6 0.1 80.9
Employees (average number) 1,910 232 562 63 2,767
3. Taxation
2016 2015
£ million £ million
Tax charged/(credited) to the income statement
Current tax:
UK corporation tax 56.5 49.1
Foreign tax 2.5 2.6
Adjustments in respect of previous years (1.1) (0.2)
57.9 51.5
Deferred tax:
Deferred tax credit for the current year (16.5) (6.5)
Adjustments in respect of previous years 0.8 0.4
42.2 45.4
Tax on items not (credited)/charged to the income statement
Current tax relating to:
Share-based transactions tax allowance in excess of expense recognised (2.1) (4.1)
Deferred tax relating to:
Cash flow hedging (1.7) (1.1)
Defined benefit pension scheme (0.3) (0.4)
Financial instruments classified as available for sale (0.7) (1.0)
Share-based transactions tax allowance in excess of expense recognised 1.1 1.0
Currency translation gains/(losses) 1.5 (0.4)
(2.2) (6.0)
Reconciliation to tax expense
UK corporation tax for the year at 20.0% (2015: 20.7%) on operating profit 45.7 45.5
Gain on sale of subsidiaries and available for sale investment (0.5) -
Effect of different tax rates in other jurisdictions (0.6) (0.8)
Disallowable items and other permanent differences 1.5 0.3
Banking surcharge 8.2 -
Deferred tax impact of (increased)/decreased UK corporation tax rate (11.8) 0.2
Prior year tax provision (0.3) 0.2
42.2 45.4
The standard UK corporation tax rate for the financial year is 20.0% (2015: 20.7%). From 1 January 2016 an additional 8%
surcharge applies to banking company profits as defined in legislation.
The effective tax rate is 18.5% (2015: 20.6%) which is below the UK corporation tax rate. This reflects a write up of
deferred tax assets due to the introduction of the bank corporation tax surcharge, more than offsetting the surcharge
payable on profits for the period since 1 January 2016.
Movements in deferred tax assets and liabilities were as follows:
Capital allowances Pension scheme Share-based payments and deferred compensation Available for sale assets Cash flow hedging Intangible assets Other Total
£ million £ million £ million £ million £ million £ million £ million £ million
At 1 August 2014 27.8 (1.0) 10.9 (1.7) (0.5) (4.2) 0.4 31.7
Credit to the income statement 4.9 - 0.3 - - 0.9 - 6.1
Credit to other comprehensive income 0.4 0.4 - 1.0 1.1 - - 2.9
Charge to equity - - (1.0) - - - - (1.0)
Acquisition - - - - - (0.3) - (0.3)
At 31 July 2015 33.1 (0.6) 10.2 (0.7) 0.6 (3.6) 0.4 39.4
Credit to the income statement 13.3 - 1.1 - - 1.0 0.3 15.7
(Charge)/credit to other comprehensive income (1.5) 0.3 - 0.7 1.7 - - 1.2
Charge to equity - - (1.1) - - - - (1.1)
Acquisition - - - - - - - -
At 31 July 2016 44.9 (0.3) 10.2 - 2.3 (2.6) 0.7 55.2
As the group has been and is expected to continue to be consistently profitable, it is appropriate to recognise the full
deferred tax assets.
4. Discontinued operations
On 5 January 2015, the group completed the sale of Close Brothers Seydler ("Seydler") to Oddo & Cie for a gross cash
consideration of E46.5 million (£36.4 million), which includes a post year end adjustment of £0.5 million following
finalisation of completion accounts. The profit on disposal was £10.3 million.
Based in Frankfurt, Seydler provided equity and debt capital markets services, securities trading and research primarily in
German small and mid-sized companies and was part of the Securities division.
The transaction fulfilled the requirements of IFRS 5 to be classified as "Discontinued operations" in the consolidated
income statement, the results of which are set out below:
Results of discontinued operations
2016 20151
£ million £ million
Operating income - 11.7
Operating expenses - (10.4)
Operating profit before tax - 1.3
Tax - (0.4)
Profit after tax - 0.9
Profit on disposal of discontinued operations, net of tax - 10.3
Profit from discontinued operations - 11.2
1 Profit after tax is up until the point of disposal.
Cash flow from discontinued operations
2016 20151
£ million £ million
Net cash flow from operating activities - 6.6
Net cash flow from investing activities - (0.1)
Net cash flow from financing activities - -
1 Up until the point of disposal.
5. Earnings per share
The calculation of basic earnings per share is based on the profit attributable to shareholders and the number of basic
weighted average shares. When calculating the diluted earnings per share, the weighted average number of shares in issue is
adjusted for the effects of all dilutive share options and awards.
2016 2015
Continuing operations
Basic 125.7p 117.8p
Diluted 124.3p 116.5p
Adjusted basic1 128.4p 120.5p
Adjusted diluted1 127.0p 119.2p
Continuing and discontinued operations
Basic 125.7p 125.4p
Diluted 124.3p 124.0p
Discontinued operations
Basic - 7.6p
Diluted - 7.5p
1 Excludes amortisation of intangible assets on acquisition, discontinued operations and their tax effects.
2016 2015
£ million £ million
Profit attributable to shareholders 186.5 185.7
Less profit from discontinued operations, net of tax - 11.2
Profit attributable to shareholders on continuing operations 186.5 174.5
Adjustments:
Amortisation of intangible assets on acquisition 5.1 5.0
Tax effect of adjustments (1.0) (1.0)
Adjusted profit attributable to shareholders on continuing operations 190.6 178.5
2016 2015
million million
Average number of shares
Basic weighted 148.4 148.1
Effect of dilutive share options and awards 1.7 1.7
Diluted weighted 150.1 149.8
6. Dividends
2016 2015
£ million £ million
For each ordinary share
Final dividend for previous financial year paid in November 2015: 35.5p (2014: 32.5p) 52.3 47.6
Interim dividend for current financial year paid in April 2016: 19.0p (2015: 18.0p) 28.0 26.7
80.3 74.3
A final dividend relating to the year ended 31 July 2016 of 38.0p, amounting to an estimated £56.1 million, is proposed.
This final dividend, which is due to be paid on 22 November 2016 to shareholders on the register at 14 October 2016, is not
reflected in these financial statements.
7. Loans and advances to customers
On demand Within three months Between three months and one year Between one and two years Between two and five years After more than five years Impairment provisions Total
£ million £ million £ million £ million £ million £ million £ million £ million
At 31 July 2016 58.1 1,746.0 2,014.4 1,279.3 1,328.2 65.3 (59.7) 6,431.6
At 31 July 2015 45.4 1,543.5 1,797.8 1,108.2 1,254.1 44.9 (56.1) 5,737.8
2016 2015
£ million £ million
Impairment provisions on loans and advances to customers
At 1 August 56.1 48.3
Charge for the year 37.9 41.9
Amounts written off net of recoveries (34.3) (34.1)
At 31 July 59.7 56.1
Loans and advances to customers comprise
Hire purchase agreement receivables 2,782.4 2,552.9
Finance lease receivables 440.1 473.0
Other loans and advances 3,209.1 2,711.9
At 31 July 6,431.6 5,737.8
At 31 July 2016, gross impaired loans were £158.5 million (31 July 2015: £162.3 million) and equate to 2% (31 July 2015:
3%) of the gross loan book before impairment provisions. The majority of the group's lending is secured and therefore the
gross impaired loans quoted do not reflect the expected loss.
8. Debt securities
Held for trading Available for sale Loans and receivables Total
£ million £ million £ million £ million
Long trading positions 20.3 - - 20.3
Certificates of deposit - - 201.0 201.0
Gilts - - - -
At 31 July 2016 20.3 - 201.0 221.3
Held for trading Available for sale Loans and receivables Total
£ million £ million £ million £ million
Long trading positions 14.1 - - 14.1
Certificates of deposit - - 115.3 115.3
Gilts - 20.1 - 20.1
At 31 July 2015 14.1 20.1 115.3 149.5
Movements on the book value of gilts comprise:
£ million
At 1 August 2014 45.6
Redemptions at maturity (25.0)
Movement in value (0.5)
At 31 July 2015 20.1
Redemptions at maturity (20.0)
Movement in value (0.1)
At 31 July 2016 -
9. Equity shares
31 July 31 July
2016 2015
£ million £ million
Long trading positions 26.1 31.1
Other equity shares 2.1 10.1
28.2 41.2
Movements on the book value of other equity shares comprise:
Available for sale Fair value through profit or loss Total
£ million £ million £ million
At 1 August 2014 19.5 0.1 19.6
Disposals (8.1) - (8.1)
Currency translation differences (0.4) - (0.4)
Movement in value of:
Equity shares classified as available for sale (1.0) - (1.0)
At 31 July 2015 10.0 0.1 10.1
Disposals (7.7) - (7.7)
Currency translation differences 0.4 - 0.4
Movement in value of:
Equity shares classified as available for sale (0.7) - (0.7)
At 31 July 2016 2.0 0.1 2.1
10. Intangible assets
Goodwill Software Intangible assets on acquisition Total
£ million £ million £ million £ million
Cost
At 1 August 2014 156.1 68.8 42.4 267.3
Additions 0.3 20.3 1.5 22.1
Disposals (10.4) (8.1) - (18.5)
Foreign exchange - - - -
At 31 July 2015 146.0 81.0 43.9 270.9
Additions 1.7 24.1 0.4 26.2
Disposals (6.9) (0.5) - (7.4)
Foreign exchange - - - -
At 31 July 2016 140.8 104.6 44.3 289.7
Amortisation and impairment
At 1 August 2014 68.0 35.2 17.8 121.0
Amortisation charge for the year - 13.5 5.0 18.5
Disposals (6.2) (6.5) (0.1) (12.8)
At 31 July 2015 61.8 42.2 22.7 126.7
Amortisation charge for the year - 17.2 5.1 22.3
Disposals (6.9) (0.3) - (7.2)
At 31 July 2016 54.9 59.1 27.8 141.8
Net book value at 31 July 2016 85.9 45.5 16.5 147.9
Net book value at 31 July 2015 84.2 38.8 21.2 144.2
Net book value at 1 August 2014 88.1 33.6 24.6 146.3
Additions in goodwill of £1.7 million and intangible assets on acquisition of £0.4 million in 2016 relates to the 100%
acquisition of Finance for Industry Group ("FFI"). The principal activities of FFI are those of provision of instalment
credit (mainly asset backed finance) to business customers to assist in their acquisition of business equipment and
financial brokering to third party lenders. Cash consideration of £3.6 million was paid and a contingent consideration of
£1.3 million is expected to be paid in the future for the equity of the business. Additions in goodwill of £0.3 million
and intangible assets on acquisition of £1.5 million in 2015 relates to the 100% acquisition of Mackay Stewart and Brown
Limited, a Scottish Independent Financial Adviser with £72.0 million of client assets, for cash consideration of £1.8
million for the equity of the business. These acquisitions are not regarded as material in the context of the group's
financial statements and therefore information required for material acquisitions by IFRS 3 has not been disclosed.
Disposal of £6.9 million goodwill in 2016 relates to the sale of Asset Management's corporate advice and investment
management activities. Disposal of £10.4 million goodwill in 2015 relates to the Seydler disposal of £4.2 million and the
write off of fully impaired goodwill of £6.2 million relating to the wind up of Fortune Asset Management Limited.
Intangible assets on acquisition relates to broker and customer relationships and are amortised over a period of eight to
20 years.
In the 2016 financial year, £5.1 million (2015: £5.0 million) of the amortisation charge is included in amortisation of
intangible assets on acquisition and £17.2 million (2015: £13.5 million) of the amortisation charge is included in
administrative expenses shown in the consolidated income statement.
11. Property, plant and equipment
Leaseholdproperty Fixtures,fittings andequipment Assetsheld underoperatingleases Motorvehicles Total
£ million £ million £ million £ million £ million
Cost
At 1 August 2014 10.1 34.9 132.7 1.2 178.9
Additions 7.4 7.7 43.7 - 58.8
Disposals (0.1) (8.0) (11.3) (0.4) (19.8)
At 31 July 2015 17.4 34.6 165.1 0.8 217.9
Additions 4.3 9.2 61.6 0.1 75.2
Disposals (0.2) (3.6) (25.3) (0.5) (29.6)
At 31 July 2016 21.5 40.2 201.4 0.4 263.5
Depreciation
At 1 August 2014 5.7 26.7 28.9 0.6 61.9
Charge for the year 1.6 4.5 16.7 0.1 22.9
Disposals (0.1) (7.5) (7.5) (0.2) (15.3)
At 31 July 2015 7.2 23.7 38.1 0.5 69.5
Charge for the year 2.5 4.6 19.6 0.1 26.8
Disposals - (2.2) (16.1) (0.3) (18.6)
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