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Assura PLC

Annual Report Mar 31, 2013

4924_10-k_2013-03-31_233d51cd-bceb-426a-ad9c-0efa732f03d0.pdf

Annual Report

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ANNUAL REPORT & ACCOUNTS

20 13

INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY

CONTENTS

DIRECTORS' REPORT AND BUSINESS REVIEW

OVERVIEW
Business highlights 4
Chairman's statement 5
Chief Executive's statement 7
The Assura portfolio 9
Case studies 10
BUSINESS & FINANCIAL REVIEW
Our market 13
Key performance indicators 17
Business review 21
Risk management 31
GOVERNANCE
The Board 34
Corporate Governance 35
Remuneration Committee report 48
Statement of Directors' responsibilities 64

FINANCIAL STATEMENTS AND OTHER INFORMATION

FINANCIAL STATEMENTS

Independent auditor's report 65
Consolidated income statement 66
Consolidated balance sheet 67
Consolidated statement of
changes in equity
68
Consolidated cash flow statement 69
Notes to the accounts 70
Independent auditor's report 105
Company income statement 106
Company balance sheet 107
Company statement of
changes in equity
108
Company cash flow statement 109
Notes to the company
financial statements
110
OTHER INFORMATION
Corporate information 113
Charities 1 14

We believe patients and health professionals deserve modern primary care property which promotes wellbeing at the heart of the community.

TRANSFORMING PATIENT CAREAssura Group is the leading investor and developer of primary care property

BUSINESS HIGHLIGHTS

for the year ended 31 March 2013

STRONG RESULTS OUTPERFORMING THE MARKET, DRIVEN BY MANAGEMENT ACTION

  • Total property assets of £569 million (2012: £549 million)
  • Valuation uplift of £6.0 million (2012: £1.5 million)
  • Profit for the year of £14.1 million (2012: loss £60.7 million)
  • Long weighted average lease length on core portfolio of 15.1 years (2012: 15.8 years)
  • Dividend 160% covered2 . The Board targets a progressive dividend policy as evidenced by the 6% increase in quarterly dividend from April 2013
  • Substantial progress made in realising non-core assets. Two-thirds3 sold or contracts exchanged
  • Total Property Return of 7.2% (2012: 6.2%)

ASSURA OPERATES IN A LARGE, GROWING MARKET

  • Health spending is non-discretionary, with ever increasing pressure on primary care infrastructure from an ageing and more demanding population
  • Tenants are private businesses underwritten by Government, with the majority of rent reimbursed by the NHS
  • Two-thirds of GP premises are not suitable for future needs. Regulation of GPs by Care Quality Commission started in 2013, meaning primary healthcare facilities are required to meet their standards
  • GPs engaged in commissioning decisions since April 2013

ASSURA IS WELL POSITIONED TO CONTINUE OUTPERFORMING THE MARKET

  • Deep understanding of GP issues and specialist building requirements; strong relationships with key stakeholders including GPs and communities
  • Strong development capability; development is demand-led
  • 5 new developments completed for a 7.1% yield on cost. 9 projects on site and a further 40 potential schemes identified with an aggregate value exceeding £100 million
  • Converted to REIT status from 1 April 2013, enabling the Group to compete with other tax efficient investors and access a global specialist investor base

  • 2 Dividend cover calculated on an annual basis and related to underlying profit

  • 3 Two-thirds of those identified as non-core and held for sale in June 2012

Net Asset Value – note 12

CHAIRMAN'S STATEMENT

for the year ended 31 March 2013

This has been the year that Assura has started once again to deliver value to our shareholders by developing, owning and managing primary care properties. We completed the formation of a totally new Board with two appointments, Jenefer Greenwood as a Non-Executive Director, and Jonathan Murphy as Finance Director. This is on top of the appointment of Graham Roberts as Chief Executive right at the start of the financial year.

The turnaround of Assura has been based on a number of steps. Firstly, on appointment as Chairman in September 2011, I led the refinancing, Rights Issue and clear out of a historical derivative, as well as the completion of the refocusing of the business back to a pure primary care property group and the assembling of a 'FTSE 100 quality' Board. The appointment of Graham Roberts in March 2012 has since enabled him to take the business forward; building the strongest management team in the sector, investing in new properties for growth, selling non-core assets, and rebuilding Assura's reputation with investors.

Your Board believes that the primary care property market remains a highly attractive one with excellent risk-adjusted returns. Our business model, with internal management, means that we are, by some way, the lowest cost operator in the sector. It also means that we can capture more of the development opportunity and profits by providing an integrated 'develop, own & manage' service. It also means that as we grow, all of the benefits and scale gains accrue directly to our shareholders, and thence drive a progressive dividend. Everyone at Assura works for the benefit of our shareholders.

Finally we believe in being open and straightforward. We pay dividends out of earnings, not debt nor equity. We fully disclose our key metrics and operate a transparent balance sheet.

The performance of Assura has indeed reflected the success of this strategy, and we continue to lead the sector in delivering long-term property returns. Underlying profits were up 44% to £10.2 million, and EPRA net assets per share were up 6.3%, to 38.6 pence per share. We have also commenced quarterly dividends, already increasing them once and they are currently 1.21 pence per share on an annual basis. Investors have noticed this turnaround, with our share price finishing the year at 35.5 pence, up 16% on last year.

BUILDING THE STRONGEST MANAGEMENT TEAM IN THE SECTOR

We have a strong Board, with Jenefer Greenwood now adding extra property expertise from 25 years in private practice, 10 years at Grosvenor and as a Non-Executive Director at The Crown Estate. Jonathan Murphy brings extensive financial control and financing experience. Graham Roberts has shown himself to be a dynamic and inspiring Chief Executive. Andrew Darke, who is our long-serving Property Director, has continued to ensure that we outperform the market in property returns as well as find new investments for the future.

We have only 26 employees in Assura, and I would like to thank each and every one for their hard work and contribution to this business.

INVESTING FOR GROWTH AND DIVESTING NON-CORE ASSETS

In the year, we invested £22 million in new GP surgeries, as well as maintain a pipeline of £64 million in new planned developments. Developments have contributed £3.5 million development profits, equivalent to 15.3% profit on costs. £6.5 million of non-core assets held for sale at 30 September 2012 have been divested, amounting to 37% of the total identified with a further 34% under contract.

WE CONTINUE TO LEAD THE SECTOR IN DELIVERING LONG-TERM PROPERTY RETURNS

BUILDING ASSURA'S REPUTATION WITH INVESTORS

The company held 80 meetings with investors and attracted several large new institutions to the share register. We converted to REIT status allowing us to invest and divest without distortions caused by historical tax valuations.

We recognise the needs of investors to see sustainable long-term capital and dividend growth. Our principles are;

    1. We set the standard for financial transparency. We began this last summer with disclosing a level of additional information on current rent review settlements that is still unmatched by competitors.
    1. We only pay dividends out of free cash flow. This gives us the ability to grow the dividend in line with real rental growth and provide the confidence that it is sustainable.
    1. We aim to deliver superior returns relative to risk. This year we delivered an 8.7% Total Accounting Return (or £16.7 million value created) from a portfolio which retains 15 years income unexpired and financed with 11 year average debt, all at fixed rate. The inflation proof characteristics of our balance sheet are compelling.

The Board looks forward to another year of progress, as the NHS reorganisation settles down and the overwhelming need for better quality primary care health facilities, funded by private sector capital, continues to reassert itself.

Simon Laffin Chairman

CHIEF EXECUTIVE'S STATEMENT

for the year ended 31 March 2013

I am pleased to be reporting to you on a year of excellent progress, where our focus has been on building the business for the future. We have achieved this whilst delivering an increase in underlying profits to £10.2 million, up 44%, and an increase in EPRA net assets of £12.2 million, up 6.3%, an increase of 2.3 pence per share to 38.6 pence per share. We commenced quarterly dividends. We will usually review once a year and did so recently with effect from the April payment with an increase of 6%. The current quarterly payment is equivalent to 1.21 pence per share on an annual basis.

HIGHLIGHTS

The REIT conversion in April 2013 was an important milestone for the company. This is an important favourable government-backed tax regime that enables us to compete effectively with other tax efficient investors. It also confirms our commitment to remain property investors.

Our development pipeline continues to add value with a profit of £3.5 million in the year mainly from five completions. We have nine schemes now on site, with eleven new projects in the immediate future including four extensions. The flow of new projects in the market has slowed, as we forecast last year, so this pipeline is a positive reflection on the Assura brand and a credit to our team.

We made progress with selling non-core assets with two thirds of those assets identified for sale now either sold or under contract. The non-core portfolio has already become insignificant in size.

Our re-launched investor communication programme has attracted greater interest in our business from a wider audience.

MARKET OPPORTUNITY

There remains a considerable backlog of underinvestment in primary care infrastructure. We estimate in excess of £10 billion and the current NHS infrastructure is under severe pressure as acute hospitals and Accident and Emergency wards bear too much of the burden of ailments that are neither acute nor emergencies.

Our leadership position in providing state of the art primary care premises, adapted to each local community that it serves, means we are ideally placed to exploit this growing demand. The current market is however in somewhat of a hiatus due to the recent NHS reorganisation, which has led to a temporary slowing of the development pipeline over the short term. Market fundamentals nonetheless indicate this should continue to be one of the best performing sectors in the UK real estate market over the medium and long term.

NEXT STEPS

Executing our strategy requires continuous improvement from our property team pursuing asset management and development opportunities. We will increase our marketing efforts to ensure we are best placed to capture new projects.

Going forward we will be engaging more fully with the new commissioning bodies giving our input into the strategic thinking about estates planning. This was not adequately dealt with in the Health and Social Care Act 2012 and we have a contribution to make to ensure it gets the priority it deserves. It is clear from recent ministerial and NHS comments that the fundamental structural shift of service provision from hospitals into the community has to become a reality soon. The process of getting there is challenging but the technical and financial wherewithal to provide the right premises exists. Low cost private sector capital is readily available for the NHS.

We are looking to expand even faster. Our internally managed business model is highly scalable, with only marginal additional costs as we add to our portfolio, leaving more for shareholders by way of a progressive dividend. In addition, by developing properties ourselves we consistently achieve 7% yields taking a profit on development, whereas our rivals who buy only developed premises achieve 1% lower yields.

We shall continue to set the standard for transparency. We began this last summer with new additional information on current rent review settlements from industry practice. We will also continue to target superior returns, paying progressive dividends from our secure cash flows.

MARKET OUTLOOK

Over the short term we consider that open market rental growth will remain subdued. In the meantime we benefit from our RPI linked and stepped leases. Capital growth will be modest although there remains a possibility of some favourable yield shift given the yield gap between property yields and the cost of finance.

There are encouraging signs that local area teams in NHS England are beginning to address the backlog of schemes, however this varies on a regional basis. We expect a pick up during the year although the long lead times from approvals to development starts, mean that competition for schemes in the current year will remain intense.

In the medium term, the dynamics of the sector are that healthcare, delivered by primary carers, is both preferred by patients and cheaper for the NHS. This however requires better GP premises, and we stand ready not only to provide the capital, but also the expertise and the ambition, to enable this. These strong market dynamics will, we believe, deliver healthy growth opportunities for Assura.

Graham Roberts

Chief Executive

THE ASSURA PORTFOLIO

ASSURA LOCATIONS

CASE STUDIES

New surgery bringing two branch surgeries under one roof with an on-site pharmacy.

Assura originally acquired both former surgery premises for St Hilary Brow Group Practice back in 2004, by way of a sale and leaseback arrangement. A plot of land adjacent to St Hilary's Church was later identified and acquired by Assura and planning permission gained for a new surgery development. In conjunction with development partner LSP Developments, proposals were developed and works started in 2011, with the centre being completed ahead of schedule in June 2012.

The development provides state of the art facilities for St Hilary Brow Group Practice, including a minor surgery suite and additional diagnostic services such as ultrasound and x ray, together with an on-site pharmacy operated by J. Cubbins & Son.

The building has been constructed with sustainability in mind and has a BREEAM rating of Very Good. It was officially opened in July 2012 by Sir David Nicholson, Chief Executive of the NHS.

DEVELOPMENT TEAM

Assura: Funder and long term landlord LSP Developments: Development Partner West Hart Partnership: Architect Pochins: Building Contractor

SIZE 1,050 SQM value £2.5 million

completed June 2012

TESTIMONIAL

DR. JAMES KINGSLAND OBE

SENIOR PARTNER ST HILARY GROUP PRACTICE

"The practice has been completed to an extremely high standard. The extended services offered at the new centre will allow us to make speedier diagnoses, make more specific use of hospital resources and allows us to complete the cycle of care in one location."

CASE STUDIES (continued)

MANCHESTER SQUARE HEALTH CENTRE, MILFORD HAVEN

New surgery co-locating two GP practices under one roof with an on-site pharmacy.

Assura, together with development partner LSP developments, were appointed by the GP practices and Local Health Board to deliver this much needed new facility for Milford Haven. A former supermarket site was identified as the ideal location to relocate the Robert Street and Barlow House practices and was quickly secured for the development.

Completed in November 2012, the new primary care centre extends to just over 2,000m2 and provides state of the art facilities for the two practices and the Local Health Board, including modern treatment and minor operation suites. The building also boasts an integrated pharmacy and additional expansion space to support patient list and clinical service growth.

DEVELOPMENT TEAM

Assura: Funder and long term landlord LSP Developments: Development Partner West Hart Partnership: Architect Opco Construction: Building Contractor

TESTIMONIAL

DR. MACKINTOSH LEAD GP AT ROBERT STREET SURGERY MILFORD HAVEN

"Our team is delighted with the new facilities – it's a major step forward for patients and the local community to have a large and up to date health centre with many trustees under one roof."

SIZE 2,066 SQM value £4.8 million

completed November 2012

OUR MARKET

In a period of uncertainty in the wider property market the primary care property sector continues to provide investors with excellent risk adjusted returns.

The distinctive features of the sector provide the combination of long-term secure income, underpinned by the NHS, and continued rental growth. The attractiveness of the sector can clearly be seen in the stability of the returns it has delivered throughout the more challenging economic backdrop of the past few years:

The demand of the NHS on our primary care infrastructure is increasing as the broad trend for the migration of services away from acute hospitals into community based facilities continues. This is a policy that is supported by all of the major political parties. The combination of increasing demands (and costs) on the NHS and the national priority to reduce the budget deficit means that the more cost effective provision of medical care at the primary level is imperative. This underpins the demand for our properties.

OUR MARKET (continued)

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 14OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION The current primary care estate is in need of major investment in order to meet these increasing clinical demands. It is estimated that over 40% of the current 7,500 GP practices are not compliant with the requirements of the NHS. From 1 April 2013 all GPs premises are required to be registered and compliant with the requirements of the Care Quality Commission ("CQC"). The CQC is the regulatory body that monitors and regulates health organisations and health premises to ensure they meet certain minimum standards. We anticipate that there will be a significant number of GPs premises that will not be able to comply with the required standards from their current premises. We are already discussing these changes with GPs and we believe this will further increase the demand for modern purpose built premises across the sector.

Government policy is highly unlikely to support the required level of investment directly from the public purse. As a result, significant investment and involvement from the private sector is going to be required. It is likely that the majority of the investment will have to come from the GPs themselves or specialist sector investors such as Assura. We believe we are well placed to meet this demand.

The supply of premises has been suppressed as this is a sector where no speculative development occurs and premises are only ever built for an identified and agreed need by the health sector. In addition there is reduced residual risk as a purpose built medical centre providing services to a local community is unlikely to be relocated by the local GPs at the end of their lease. The level of disruption this would involve materially increases the likelihood of leases being renewed on expiry, which acts as a key differentiator in the sector to the office or retail property market.

STRUCTURAL CHANGES IN THE NHS

On 1 April 2013 the changes enacted by the Health and Social Care Act (the "Act") came into force resulting in a fundamental reorganisation of the NHS and the way it commissions services. The key change is to place a large part of the NHS budget within the control of GPs under the auspices of the Clinical Commissioning Groups ("CCGs"). The CCGs replace the Primary Care Trusts ("PCTs"), which were abolished on the same day.

The changes have altered the way the NHS administers its property estate. NHS Property Services Limited ("NHS PropCo") a company wholly owned and funded by the Department of Health, was created in the year. NHS PropCo has taken on all of the premises previously leased to the PCTs and now represents 17% of our rent roll. The transfers have all now been completed and the risk profile of the business remains unchanged by the transfer of the estate from one Government entity to another. The majority of our premises are leased directly to GPs and the previous arrangements whereby GP's rent is reimbursed directly by the NHS remains unaffected.

The philosophy behind the changes is that the people closest to the patients and the ultimate service delivery are the ones best placed to make decisions on which services are to be provided and from which suppliers. This places GPs at the heart of commissioning services and can only accelerate the trend of a gradual increase in the range and volume of services provided at local primary care premises. In order to meet these needs the provision of purpose built specialist primary care premises will be essential.

The recent structural changes in the NHS have resulted in a slow-down in the commissioning of new premises as the bodies earmarked for abolition focused more on the proposed structural changes than commissioning new premises. The underlying requirement for investment in UK primary care health infrastructure remains unchanged. We remain well placed to support this essential investment and we anticipate sustained demand for this investment going forward.

NEW RENT REVIEW PROCESS

In April 2013 NHS England published new guidelines covering the agreement of rent reviews subject to GP rent reimbursement. Previously the negotiation of the rent review settlement was between the landlord and the District Valuer, acting for the NHS. Under the new arrangement the GP must negotiate directly with the landlord and reach a settlement, which is then subject to the approval of the District Valuer. This increases the costs and the risks for the GP. Overall rent settlement levels should be unaffected, though this is likely to lead to increased delays in agreeing rent review settlement.

DEVELOPMENT TRENDS

In addition to higher demand for new premises the required standard of specification for these premises continues to increase. One of the key objectives of Government policy is to ensure environmental responsibility throughout the NHS. Assura has long been involved in promoting the green building standards as measured by the Building Research Establishment Environmental Assessment Method ("BREEAM") and since the Department of Health introduced their guidelines in 2008 we continue to target a performance of "Excellent" for all of our new build schemes.

All of our current developments on-site are set to achieve an "Excellent" rating and incorporate a variety of sustainable technologies including passive design, ground/air source heat pumps and photovoltaic panels. In addition significant emphasis is given to high quality landscaping that adds to the ecological value of the site, with Sustainable Urban Drainage Systems ("SUDS"), biodiverse roofs and living walls, all features of current schemes.

To meet these standards and specifications there is an additional capital cost, which will lead to an upward pressure on market rents over time.

RENTAL REVIEWS

The primary care property sector has continued to enjoy rental growth in contrast to many other property sectors. In our sector rent reviews are agreed with the District Valuers, effectively acting for the NHS. However, the twin pressures of slower economic growth and government austerity measures have reduced the overall rate of rental growth.

A key driver of rental growth is the volume and increasing quality of new developments which "raises the bar" for rental settlements across the whole sector. As the number of new developments has been reduced as a result of the organisation changes in the NHS this has dampened this inflationary effect. We anticipate that once the new structures are bedded in and the development pipeline builds across the whole sector this inflationary pressure on rents should begin to build again. These impacts are unlikely to be in the current financial year.

MARKET OUTLOOK

The demand for primary care property remains strong and unaffected by any short term reduction in supply caused by NHS restructuring. The sector continues to deliver rental growth underpinned by excellent lease length and a strong covenant. The yield spread over long dated gilts has increased to some 355 bps on the core portfolio. This spread provides support for capital growth in the future and the prospects for the sector are strong.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 16OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION NURTURING GROWTH

KEY PERFORMANCE INDICATORS

Our vision is to be the UK's leading owner-manager and developer of primary care property. In order to be the leading player we need to demonstrate that we can consistently outperform over time. In order to measure ourselves against this objective we have a wide range of key performance indicators, but these can be distilled into three key areas.

Firstly Total Property Return, which measures our success in choosing the right investments and managing these over time. Secondly Total Accounting Return, which measures the returns we have delivered to our shareholders in the form of dividends paid and our growth in net asset value. Lastly, we consider Total Shareholder Return as measured by the stock market, which reflects the value of dividends paid and the relative movement in our share price over the period.

These measures are complementary and should build on each other although the share price movement is also affected by other external factors outside of our control. By managing the property and accounting

return over the medium term we should be able to deliver a superior Total Shareholder Return to our investors. This overriding objective is reflected in the long-term management incentive scheme, which was approved by shareholders this year. The Value Creation Plan ("VCP") provides incentives to management based on the Total Shareholder Return delivered to investors over a five-year time horizon. This is explained in more detail in the Remuneration Committee Report on pages 48 to 62.

In order to achieve these objectives we have established three strategic priorities and how we monitor ourselves against them is outlined below:

Strategic priority KPI and benchmarks Explanation Performance
Focused: Maintaining
strategic focus on a highly
attractive market
Current and
prior year
All property KPIs are for the
total portfolio including both
Core and Non-Core
Assura has been a developer
and owner-manager of
primary care property for
almost ten years. It is a
sector where we have deep
expertise and knowledge.
Rental growth:
2013 – 2.4%
2012 – 3.4%
Rental growth is the weighted
average annualised uplift in rent
reviews settled in the year.
We have delivered strong
rental growth of 2.4% against a
backdrop of very slow growth
in the property sector as a
whole. The rate of growth is on
a reducing trend though this
represents a strong result.
The sector provides an
attractive combination of
long-term, secure income
and by building on our
strengths we believe we
can generate superior Total
Property Return from this
sector.
Total Property Return:
2013 – 7.2%
2012 – 6.2%
Total Property Return measures
the overall return generated by
our properties on a debt free
basis. It is calculated as the net
rental income generated by
the portfolio plus the change in
our market values, divided by
opening property assets plus
additions.
We have continued to deliver a
Total Property Return in excess
of our net initial yield as a result
of a positive valuation result.
IPD 5 Year Total Return:
Assura – 6.4%
IPD – 4.0%
We measure our performance
against the All Healthcare
Benchmark as calculated by IPD.
Over the last 5 years, our Total
Return of 6.4% compares to the
All Healthcare Benchmark of 4.0%.
Lease length:
2013 – 14.8 yrs
2012 – 15.2 yrs
The weighted average unexpired
lease term ("WAULT") provides
the average period until the first
available break in our underlying
property leases calculated
on the basis of the weighted
average of the underlying rent.
Our lease length of 14.8 years
provides an exceptional level of
income certainty to underpin
investor returns.
% of Tenant covenant
NHS/GP:
2013 – 85.0%
2012 – 83.5%
The proportion of our rent roll
that is paid directly by GPs or
NHS PropCo.
An effective Government
backing for 85% of our income
provides exceptional security for
our income at a healthy premium
to the equivalent gilt rates.

KEY PERFORMANCE INDICATORS (continued)

Strategic priority KPI and benchmarks Explanation Performance
Customer oriented: Adopting
a broad and flexible approach
to our customers
Current and
prior year
At the heart of our strategy
is our customer and our
willingness to work flexibly
in delivering the property
solutions to enable the
delivery of a wider range
of health services at
primary care premises
in the community.
Number and value
of developments
completed:
2013 – 5 sites
2012 – 9 sites
2013 – £14.4m
2012 – £43.4m
The number and valuation
on completion of completed
developments during the year.
The NHS reorganisation has
inevitably led to a slowdown in
development activity and so the
number of schemes we have
been able to deliver has reduced.
Despite this we have continued
to work with the NHS on future
developments and we currently
have an indicative pipeline in
excess of 40 schemes and
£100 million.
We work with a range of
suppliers to optimise the
solution in each case.
We also engage with our
customer at the policy level
both directly and indirectly
through our trade bodies to
ensure we are collaborating
on the vision of the future of
the health services provision
in the primary care estate.
Number and value of
developments on site:
2013 – 9 sites
2012 – 6 sites
2013 – £34.9m
2012 – £18.0m
The number and estimated
valuation on completion
of developments currently
commenced at the year end.
We believe the needs of
the modern NHS require a
significant increase in investment
over the medium term and we
remain confident of securing an
increasing level of development
opportunities as a result.
Investor aligned: Delivering
transparent reporting and
returns for investors
Current and
prior year
In addition to delivering
excellent property level
returns we must ensure that
this is converted into returns
for our shareholders as
efficiently as possible.
We work across a whole
range of debt providers to
ensure we source capital
as efficiently as possible
to enable us to fund our
investments over the longer
term at the optimal pricing
point appropriate for the
longevity of our income
streams.
Total Accounting
Return:
2013 – 8.7%
2012 – (18.4%)
Total Accounting Return is the
overall return generated by the
Group including the impact
of debt. It is the combination
of net income distributed to
shareholders in the form of
dividends and the growth in
EPRA net asset value (EPRA
NAV). It is calculated as the
movement on EPRA NAV for
the year plus the dividends
paid, divided by the opening
EPRA NAV for the year and
is expressed as a percentage.
Over time we would expect
our Total Accounting Return to
be a good proxy for our Total
Shareholder Return.
Our Total Accounting Return is
in excess of our Total Property
Return of 7.2%, which reflects
the net positive impact of our
borrowings and our efficient
cost base. This level of return is
a strong inflation-beating return
for investors and is in line with
our estimated cost of equity.
Our internally managed
structure enables us to
increase the scale of our
operations with only a
relatively modest increase in
our cost base and enables us
to retain all our development
profits for shareholders.
Admin costs as
% of average
portfolio value:
2013 – 0.89%
2012 – 0.87%
This is measured as the total
administrative costs for the
year divided by the average
investment property value for
the year. It is expressed as a
percentage.
Our internally managed model
enables us to ensure the maximum
efficiency in converting our
rental receipts into net returns
for investors. This efficiency is
magnified with a larger portfolio as
our property management costs
would increase only marginally
despite a much higher rent roll. In
the short-term we are intending to
make further investments in our
marketing efforts and so anticipate
that this metric will decline slightly
before rebounding strongly
once the benefits of future growth
are realised.

KEY PERFORMANCE INDICATORS (continued)

Strategic priority KPI and benchmarks Explanation Performance
Investor aligned: Delivering
transparent reporting and
returns for investors
Current and
prior year
As well as delivering these
efficiencies it is essential
that we communicate
our strategy and our
performance transparently
and consistently to our
shareholders.
Total Shareholder
Return:
2013 – 18.6%
2012 – (25.6%)
Total Shareholder Return is the
combination of dividends paid
to shareholders and the net
movement in the share price
during the year. It is calculated
as the movement in the share
price for the period plus the
dividends paid, divided by the
opening share price for the year
expressed as a percentage.
To further increase this
efficiency we have converted
to a REIT on 1 April 2013, which
means we shall no longer suffer
corporation tax on our property
related business.
Total Shareholder Return will
differ to Total Accounting Return
to the extent that there has also
been a movement during the
period of the ratio of the share
price to the EPRA NAV. During
the year we have successfully
increased the average median
daily volume of shares traded
from an average of 45,000
in the first half of the year to
an average of 145,000 in the
second half of the year. The
opening discount to EPRA
NAV was some 15.6% and at
31 March 2013 was 8.1%.
Finally, the incentives for
management are aligned
with investors by the VCP
being driven entirely by Total
Shareholder Return over a
five year period.
Underlying profit per
share:
2013 – 1.9p
2012 – 1.5p
Dividend per share:
2013 – 0.855p
2012 – 1.25p
The underlying profit per share
is calculated as the underlying
profit (see Income Statement
definitions on page 72 for more
detail on this definition) divided
by the average number of shares
in issue during the year.
The prior year return was
impacted by the realisation of
a swap loss at £52.7 million and
the Rights Issue.
We have successfully increased
underlying profits by 44% from
£7.1 million to £10.2 million and
on a per share basis by 26% from
1.5 pence per share to 1.9 pence
per share.
During the year the dividend
policy was amended to be paid
quarterly. We will usually review
once a year and did so recently
with effect from the April
payment with an increase of 6%.
The current quarterly payment
is equivalent to 1.21 pence per
share on an annual basis.

18.6% DELIVERED A TOTAL SHAREHOLDER RETURN FOR THE YEAR OF

A YEAR OF FOCUS ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 20OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION

BUSINESS REVIEW

For the period under review the refreshed management team has been focused on the core expertise and knowledge that has been built up over almost ten year's experience in the primary care sector.

OVERVIEW OF STRATEGY

We have established three strategic priorities:

  • Focused: maintaining strategic focus on a highly attractive market
  • Customer oriented: adopting a broad and flexible approach to our customers
  • Investor aligned: delivering transparent reporting and returns for investors

CORE PORTFOLIO £524.4 MILLION4 (2012: £505.7 MILLION)

Our business is built on our core investment portfolio of 162 medical centres. This has a passing rent roll of £34.1 million (2012: £32.2 million), which provides an excellent base for future shareholder returns with 89% of its income underpinned by the NHS and a weighted average unexpired lease term ("WAULT") of 15.1 years. The portfolio is diversified both geographically and by size.

4 Calculated as investment property (£523.6 million), plus investment property held for sale (£0.8 million)

We have continued to deliver rental growth despite the backdrop of the wider economic uncertainty and have successfully concluded on 118 rent reviews during the year to generate a weighted average annual rent increase of 2.4% (2012: 3.4%) on those properties.

Our portfolio benefits from a 20% weighting in fixed and RPI uplifts which generated an average uplift of 3.2% during the year. The majority of our portfolio is subject to open market reviews and these have generated an average uplift of 2% during the year. In common with the wider sector we have experienced a reduction in the rate of growth in open market reviews and we anticipate this trend will continue.

At 31 March 2013 our core portfolio was valued at a total of £524.4 million (2012: £505.7 million), which produced a net initial yield of 5.95% (2012: 5.89%) and a net equivalent yield of 6.15% (2012: 6.11%). Consistent with prior years our valuations have remained largely stable with an increase of 0.5% despite significant movements in the gilt markets.

Being customer oriented is one of our three strategic priorities and this is essential for sustaining and building our development pipeline. We work very hard at developing and maintaining customer relationships and this approach is carried across the range of services we provide both during development and on completion as an asset manager.

We have a dedicated team of asset managers that are in regular communication with our customers and we monitor progress through regular customer satisfaction surveys. All asset managers are appraised on their success in a continuous improvement on tenant interaction.

Our approach to development sourcing, which includes direct development, partnering with other developers and sale and leasebacks, means that we are able to meet a wide range of our potential customers' needs. In addition we offer potential customers a long-term commitment as development partner, landlord and asset manager. Our flexible approach, long track record and commitment as a long-term owner and asset manager of the sites we develop provides us with a distinctive position in the sector.

We have completed five developments during the year with a valuation at completion of £14.4 million. This has added £0.9 million to our annual rent roll and generated a 7.1% yield on cost and a 15.3% return on cost. We are currently on site with a further 9 developments with an estimated valuation on completion of £34.9 million.

Leading GPs recognise the operational improvements that can be achieved through investing in their premises' infrastructure enabling them to deliver more community-based services. This represents a clear alignment of GPs' interests and the policy developments of the NHS. In this context we are confident that renewed attention will be given to approvals for new primary care centre developments, reversing an observable decline over the last 18 months as the commissioning bodies within the NHS have been reorganised.

We have a strong track record in identifying opportunities and our focus on our customers will position us well to benefit from the pickup in development activity in due course.

Our asset management team is in constant contact with our GP tenants. This enables us to screen for value enhancing asset management opportunities such as lease extensions and redevelopment opportunities within our existing estate.

During the year we have successfully concluded on the renegotiation of five leases with an annual rent roll of £0.3 million. Negotiations are on-going with a further 12 tenants for new leases with an annual rent roll of some £1.2 million.

The core portfolio contributed to earnings before interest and exceptional items in the year as follows:

2013 2012
£m £m
Net rental income 32.1 29.6
Valuation movement 5.4 8.5
Total Property Return 37.5 38.1

2.4% OVER THE LAST 5 YEARS, OUR TOTAL RETURN IS ABOVE THE ALL HEALTHCARE BENCHMARK

MUCH OF THIS OUTPERFORMANCE DERIVES FROM THE PERFORMANCE OF THE NEW ADDITIONS AND OUR FOCUS ON RENT REVIEWS.

LIFT: £9.0 MILLION LOAN NOTES AND £2.2 MILLION EQUITY STAKES IN PUBLIC-PRIVATE CONSORTIA

NON-CORE: £20.5 MILLION (2012: £26.3 MILLION) (COMPRISING £11.2 MILLION ASSETS HELD FOR SALE AND £9.3 MILLION OF INVESTMENT PROPERTY)

MUCH OF THIS OUTPERFORMANCE DERIVES FROM THE PERFORMANCE
OF THE NEW ADDITIONS AND OUR FOCUS ON RENT REVIEWS.
LIFT: £9.0 MILLION LOAN NOTES AND £2.2 MILLION EQUITY STAKES IN PUBLIC-PRIVATE CONSORTIA
We have investments in 7 LIFT companies, comprising loan notes and equity.
Local Improvement Finance Trusts ("LIFTs") are companies held by the public and private sector to develop
and own medical centres predominantly let on long term inflation linked leases to NHS Commissioning Boards.
The Group receives most of its current returns through its £9.0 million of loan stock. The carrying value of the
LIFT investments at 31 March 2013 is £2.2 million, interest received was £1.0 million and our share of the profit
in the consortia companies was £0.4 million contributing £1.4 million to underlying profit.
Our strategy is to provide flexible solutions for our customer in addressing their property needs. Further evidence
of our flexibility is in our on-going support for LIFT schemes. We invested £0.7 million this year in Merseycare
Development Company to support the £28 million redevelopment of a mental health facility in Walton. Although
not significant this is a further way we can support our customer base and assist the NHS as it continues to
modernise its estate. LIFT companies have priority for funding developments in their local areas and offer us
the opportunity for adding value through development funding.
NON-CORE: £20.5 MILLION (2012: £26.3 MILLION) (COMPRISING £11.2 MILLION ASSETS HELD FOR SALE
AND £9.3 MILLION OF INVESTMENT PROPERTY)
We have prioritised the disposal of our surplus land and properties during the year and we have made excellent
progress in selling 14 non-income producing properties, our former head office in Daresbury and surplus plots of
land. These have resulted in proceeds of £8.4 million during the year and a further £1.7 million has been realised
post year-end.
2013 2012
The valuation of our non-core portfolio produced a net initial yield of 13.6%.
The non-core portfolio contributed to earnings in the year as follows:
£m £m
Net rental income
Valuation movement
1.6
0.6
1.3
(7.0)
Total Property Return 2.2 (5.7)
The non-core portfolio includes three retail malls (valued at £5.1 million) in hospitals which are held on short
leases which expire on average in 16 years. These are challenging retail assets and have high direct property
costs due to vacancies. Their valuation yields at 31 March 2013 were initial 16.11% (2012: 15.97%) and equivalent
12.44% (2012: 13.16%).
Other properties within non-core comprise surplus land of £9.7 million (2012: £9.1 million). Following the successful
disposals in the year the largest asset available for sale is a plot of land in Scarborough, which is the subject of a
conditional sale contract to a national supermarket chain. The land is valued at £6.25 million.

UNDERLYING PROFIT

2013 2012
£m £m
Net rental income
Core 32.1 29.6
Non-Core 1.6 1.3
33.7 30.9
LIFT
Interest receivable 1.0 0.9
Share of profits 0.4 0.6
1.4 1.5
Administration (4.9) (4.5)
Other finance revenue 0.5 0.4
Finance costs (20.5) (21.2)
Underlying profit 10.2 7.1

The movement in underlying profit can be summarised as follows:

£m
Year ended 31 March 2012 7.1
Net rental income 2.8
Administrative expenses (0.4)
Share of profits of associates (0.2)
Finance revenue 0.2
Finance costs 0.7
Year ended 31 March 2013 10.2

Underlying profit has grown 44% to £10.2 million in the year to 31 March 2013. The majority of this growth has been generated from underlying rental growth and the successful completion of developments. The result for 2013 includes £0.5 million of net underlying profit from rental income net of financing costs that relates to the former head office building in Daresbury, which was sold in December 2012 and therefore will not recur in 2014.

ADMINISTRATIVE COSTS

The Group measures its operating efficiency as the proportion of administrative costs to the average gross investment property value. This ratio during the year was 0.89% (2012: 0.87%) and administrative costs stood at £4.9 million (2012: £4.5 million). In order to maximise the opportunities in the sector the Group is considering further investment in the marketing area over the coming year.

The management structure of the Group means that it is able to manage increases in the number of properties under management with relatively modest increases in employee numbers. This should enable the Group to reduce the cost ratio as the portfolio expands, to the benefit of overall returns for shareholders.

TAXATION

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 26OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION On 1 April 2013 the Company elected to join the REIT regime. Following this date the Group will be free from taxes on rental income and capital gains from investment property disposals. Non-property related income will continue to be subject to corporation tax, though the Group currently has brought forward losses, which should minimise this liability from a cash perspective.

The charge for taxation recorded in the accounts relates to a movement on the deferred tax asset during the year. At the year-end the deferred tax asset was £1.1 million (2012: £1.3 million).

EARNINGS PER SHARE

The adjusted (EPRA) basic and diluted earnings per share from continuing operations for the year was 3.1 pence (2012: 2.5 pence).

DIVIDENDS

The Company has adopted a progressive dividend policy, payable on a quarterly payment cycle in line with the timing of its rental receipts.

Total dividends paid in the year to 31 March 2013 were £4.5 million or 0.855 pence per share (2012: 1.25 pence per share). The Board has announced an increase in the quarterly dividend for the year to 31 March 2014 of 6% to 0.3025 pence per share or 1.21 pence per share on an annual basis.

The increase in the quarterly dividend reflects the Board's confidence in the quality of the assets and in particular the underlying rental growth and the quality and longevity of the underlying tenant covenant. The level of dividend cover is consistent with the Group's policy of delivering sustained dividend growth over the medium term.

CASH FLOW

2013 2012
£m £m
Net cash from operations 12.9 13.4
Cash flows from investing activities:
Investment acquisitions (3.6) (5.1)
Development expenditure (18.1) (18.9)
Sale of properties 8.4 2.6
Sale of businesses 3.6 22.3
Other (0.3) (0.9)
Cash flows from financing activities:
Proceeds from share issues - 33.5
Dividend paid (4.5) (5.1)
Net borrowings movement 15.9 (59.3)
Net increase/(decrease) in cash 14.3 (17.5)

Net cash inflow from operating activities was £12.9 million (2012: £13.4 million), which represents a slight reduction from the prior year following the sale of the Pharmacy and LIFT consulting divisions in 2012. Development expenditure was £18.1 million (2012: £18.9 million) which was largely debt financed with facilities from both Aviva and Santander. Proceeds from the sale of properties were £8.4 million (2012: £2.6 million), which primarily represented the sale of the head office at Daresbury and were used to repay the associated loan with RBS at £4 million. Dividends paid were £4.5 million. Cash and cash equivalents increased by £14.3 million (2012: reduced by £17.5 million).

BALANCE SHEET

At 31 March 2013 the EPRA NAV per share was 38.6 pence per share, an increase of 6.3% compared with the prior year. The growth has predominantly been driven by the continued successful delivery of our development pipeline and the growth in rental values achieved in the year and interest savings. This has been achieved from the activities and expertise of our development and asset management teams rather than a general re-rating of the sector. The cost effective provision of these value-enhancing services ensures the maximum efficiency in the conversion of rental receipts into investor returns.

EPRA NAV MOVEMENT

£m Pence
per share
EPRA NAV at 31 March 2012 192.2 36.3
Underlying profit 10.2 1.9
Capital (revaluations and capital gains) 5.9 1.1
Dividend (4.5) (0.9)
Other 0.6 0.2
EPRA NAV at 31 March 2013 204.4 38.6

FINANCE

192.2
10.2
5.9
(4.5)
0.6
204.4
2013
£359.5m
11.3 years
5.25%
99%
154%
62%
£m Pence
per share
EPRA NAV at 31 March 2013
Our Total Accounting Return for the year ended 31 March 2013 of 8.7% comprises an income return of 0.855 pence per
share (2.4%) that has been distributed to shareholders and a movement on EPRA NAV of 2.3 pence per share (6.3%).
FINANCE
Financing statistics
Lending volumes to commercial property companies remains subdued. In these circumstances we are pleased
that our existing lenders remain supportive including funding developments. We believe it is beneficial to broaden
the base of lenders into the primary care sector and we are entering into discussions with a range of new possible
lenders and investors. The security and longevity of our cash flows means that our assets can comfortably support
the current level of borrowings. Over time we will seek to reduce the level of gearing.
5 Interest cover is the number of times net interest payable is covered by underlying profit before net interest.
EPRA NAV at 31 March 2012 36.3
Underlying profit 1.9
Capital (revaluations and capital gains) 1.1
Dividend (0.9)
Other 0.2
38.6
2012
Net debt £357.3m
Weighted average debt maturity 12.3 years
Weighted average interest rate 5.26%
% of debt at fixed/capped rates 99%
Interest cover 5 136%
Loan to value 64%

The weighted average debt maturity of 11.3 years compares to a weighted average lease length of 14.8 years, which highlights the security of the cash flows of the business. The maturity of the facilities is spread over a significant number of years, as is highlighted below:

Details of the facilities and their covenants are set out in note 22 to the accounts.

Net finance costs in the year amounted to £19.0 million (2012: £19.9 million) including £1.0 million receivable on LIFT loan notes (2012: £0.9 million). The reduction is attributable to the impact of the settlement of the swap in December 2011 and replacing it with lower fixed rate debt from the bond which carries an interest rate of 4.75% and runs to December 2021. These savings of £2.7 million have been affected by a drawdown of new facilities to fund the on-going development pipeline.

TRANSFORMING LOCAL COMMUNITIES

RISK MANAGEMENT

Risk management is integral to the way we operate. With a small head office team with a flat structure and detailed day to day engagement of Executive Directors, emerging risks are identified and existing risks monitored constantly. It is inherent in the nature of risk that it is not possible to eliminate all risk. In fact it is not desirable as assuming manageable risk is key to enhancing profits and returns to investors. The level and type of risk assumed is regularly monitored by the Board and key to this is having an appropriate internal controls and risk management process, which is subject to regular review by the Board.

Many of the key external risks are areas where we have limited control, such as government policy towards the NHS and the strength of the economy. Although these cannot be controlled we regularly review their potential impact on our business and consider how our strategy and its implementation can be adjusted to mitigate any potential impact.

A summary of the more critical risks identified through that review and identified by the Board as having potential to affect the Group's operating results, financial control and its reputation are summarised below:

EXTERNAL RISKS

Risks and impacts
Change from last year
Key mitigating factors

Government policy
Changes in NHS procurement and funding
could adversely affect the Group.
Reduced funding for premises expenses in
the primary care sector of the NHS could lead
to a reduction in our development pipeline
and growth prospects.
A change to the reimbursement mechanism
for GPs could lead to a change in the risk
profile of our underlying tenants.
The increased provision of health care services in the community is a stated
policy objective of all three major political parties and so a reduction in
funding to this sector is considered unlikely.
The recent changes under the Health & Social Care Act have now been
implemented and so the risk profile to the Group has been reduced slightly,
though we are at an early stage in implementation.
The covenant for property directly let to the former PCTs has improved
as the leases have transferred to NHS PropCo with an indemnity from the
Department of Health.
The Group actively engages with the Government over policy that could
impact the business, both directly and through the relevant trade bodies.
The reimbursement mechanism is not currently under review. Any change
would probably result in an increased cost in the future supply of primary
care properties, which could reduce the opportunities to increase
healthcare provision in the community.

Availability and cost of finance
Reduced availability of Real Estate financing
could adversely affect the Group's ability
to source new funding and refinance
existing facilities.
Reduced availability of new financing
could delay or prevent the development of
new premises.
The Group predominantly has long-term facilities, which reduces the
refinancing risk both in terms of availability and potential rate increases.
The Group has a policy of active engagement in capital and banking
markets and engages with a range of funders to ensure a breadth
of financing options.
The Group regularly monitors and manages its re-financing profile.
Increasing financing costs could increase the
overall cost of debt to the Group and
so reduce underlying profits.
99% of current debt is fixed on a long-term basis.

RISK MANAGEMENT (continued)

EXTERNAL RISKS (continued)


Investor demand
Reduction in investor demand for UK
primary care real estate may result in falls
in asset valuations, which could reduce the
Group's future profits and net asset values
and could arise from:
The overall economic position and its impact on the Group's operations is
regularly assessed and is considered in reviewing the Group's strategy.
The Group's focus on the primary care sector provides a strong covenant
and long-term income, which reduces the impact of the wider economy.

Changes in NHS policy

Health of the UK economy

Availability of finance

Relative attractiveness of other
asset classes
Future strategy is to remain focused on this attractive market segment.

INTERNAL RISKS

Investor demand
Reduction in investor demand for UK
primary care real estate may result in falls
in asset valuations, which could reduce the
Group's future profits and net asset values
and could arise from:

Changes in NHS policy

Health of the UK economy

Availability of finance

Relative attractiveness of other
asset classes
The overall economic position and its impact on the Group's operations is
regularly assessed and is considered in reviewing the Group's strategy.
The Group's focus on the primary care sector provides a strong covenant
and long-term income, which reduces the impact of the wider economy.
Future strategy is to remain focused on this attractive market segment.
INTERNAL RISKS
Risks and impacts
Change from last year
Key mitigating factors

Development
Development risk could adversely impact the
performance of the Group including:
The Group has a dedicated and experienced development management
team to manage this exposure.

Cost overruns and delays on new projects

Delays in letting parts of premises
The Group's policy is to engage in developments that are substantially
pre-let with fixed price or capped price build contracts.
The Group has a long experience of developments in the sector and has
strong relationships with suppliers.
Capital structure – gearing
A fall in property values or income could
adversely affect the covenants on facilities
with lenders.
All financial forecasting, including scenario analysis of prospective
transactions, incorporates consideration of the impact on gearing and
covenant headroom.
If covenants were breached this could lead to
forced asset disposals which could reduce the
Group's net assets and profitability.
Covenant headroom and gearing is monitored with reference to possible
valuation movements and future expenditure.
CORPORATE AND COMPLIANCE RISKS
Risks and impacts
Change from last year
Key mitigating factors

Communication
Failure to adequately communicate the
Company's strategy and explain performance
in respect of this may result in an increased
Strategic priorities in corporate communications, including the
Annual Report, are clearly articulated and reiterated.
disconnect between investors' perceptions of
value and actual performance.
The Group reports performance transparently and communicates
regulary with investors and analysts.

People
Failure to recruit, develop and retain staff and
Directors with the right skills and experience
may result in underperformance.
Succession planning is regularly evaluated.
Director and employee remuneration and incentives are aligned with an
appropriate peer group and regularly benchmarked.
The Group has a regular performance appraisal process with a focus on
continuous personal development and an employee engagement programme,
which promotes its corporate values and culture.

CORPORATE AND COMPLIANCE RISKS

Risks and impacts
Change from last year
Key mitigating factors

Communication
Failure to adequately communicate the
Company's strategy and explain performance
in respect of this may result in an increased
disconnect between investors' perceptions of
value and actual performance.
Strategic priorities in corporate communications, including the
Annual Report, are clearly articulated and reiterated.
The Group reports performance transparently and communicates
regulary with investors and analysts.

People
Failure to recruit, develop and retain staff and
Directors with the right skills and experience
may result in underperformance.
Succession planning is regularly evaluated.
Director and employee remuneration and incentives are aligned with an
appropriate peer group and regularly benchmarked.
The Group has a regular performance appraisal process with a focus on
continuous personal development and an employee engagement programme,
which promotes its corporate values and culture.

TRANSFORMING HEALTH & WELLBEING

THE BOARD

SIMON LAFFIN Non-Executive Chairman

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 34OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION Simon Laffin (aged 54 and appointed in August 2011) is a Non-Executive Director of Quintain Estates & Development plc and an advisor to CVC Capital Partners. Previously he has served as Chairman of Hozelock Group and Mitchells & Butlers plc and as a Director of Aegis Group plc and Northern Rock plc (as part of the rescue team). Between 1995 and 2004 he was Group CFO of UK grocery retailer Safeway plc, latterly also responsible for property, which he joined in 1990. Prior to that, Simon held a variety of finance and management roles in Mars Confectionery, Rank Xerox and BP. He is a qualified accountant.

GRAHAM ROBERTS

Chief Executive

Graham Roberts (aged 55 and appointed in March 2012) was Finance Director at The British Land Company PLC from 2002 to 2011, and before that was Senior Partner for Real Estate at Arthur Andersen, where he also headed up the public sector assurance practice, which included clients such as NHS Estates and a number of NHS trusts. His early career was at Binder Hamlyn. He is currently Non-Executive Director and Chairman of the Audit Committee at Balfour Beatty plc.

JONATHAN MURPHY

Finance Director

Jonathan Murphy (aged 41 and appointed in January 2013) was previously Finance Director of the fund management business of Brooks Macdonald Group plc, having joined through the acquisition of Braemar Group plc in 2010, where he was Finance Director for 4 years. Jonathan has extensive experience in the creation and management of property funds and was previously Managing Director for the property management business of Brooks Macdonald. His earlier career included commercial and strategic roles at Spirit Group and Vodafone. Jonathan qualified as a Chartered Accountant with PricewaterhouseCoopers, holding management roles in both the UK and Asia, and holds an MBA from IESE, the leading European Business School in Barcelona.

JENEFER GREENWOOD Non-Executive Director

Jenefer Greenwood (aged 55 and appointed in May 2012) was appointed to the Board of The Crown Estate in 2004, and chairs its Remuneration Committee. Jenefer is a Chartered Surveyor and has spent a 35 year career in the commercial property sector starting at Hillier Parker and ultimately reaching the position of Executive Director, Head of Retail division following the merger with CBRE. She worked for Grosvenor from 2003 until 2012, having also been Chair of the National Skills Academy for Retail and President of the British Council of Shopping Centres.

DAVID RICHARDSON Non-Executive Director

David Richardson (aged 62 and appointed in January 2012) is currently, Chairman of Bilfinger Berger Global Infrastructure SICAV SA and a Board member of Worldhotels AG. Previously he spent 22 years at Whitbread PLC where he was the Strategic Planning Director for eight years and the Finance Director for four years. At Whitbread he played a pivotal role in transforming the Group from a brewing and pubs company into a market leader in hotels, restaurants and leisure clubs. Following this he has held a number of non-executive roles in FTSE listed companies including Serco Group plc, Forth Ports PLC, Tomkins plc, Dairy Crest plc and De Vere Group plc. He is a Chartered Accountant.

CORPORATE GOVERNANCE

DIRECTORS

The Directors who served during the year and thereafter were:

  • Simon Laffin
  • Graham Roberts
  • David Richardson
  • Jenefer Greenwood (appointed 8 May 2012 and appointed Chair of the Remuneration Committee on 22 May 2012)
  • Jonathan Murphy (appointed 2 January 2013)
  • Clare Hollingsworth (resigned 22 May 2012)

Other than Mr Roberts and Mr Murphy, all of the Directors were Non-Executive Directors throughout their period of tenure.

BOARD COMMITTEES

To assist in the proper discharge of its corporate governance responsibilities, the Board has established standing committees. In the year under review the committees comprised the following members:

• Audit Committee

  • David Richardson (Chair of the Committee)
  • Simon Laffin
  • Jenefer Greenwood (appointed 8 May 2012)
  • Clare Hollingsworth (resigned 22 May 2012)

• Nominations Committee

  • Simon Laffin (Chair of the Committee)
  • David Richardson
  • Jenefer Greenwood (appointed 8 May 2012)
  • Clare Hollingsworth (resigned 22 May 2012)

• Remuneration Committee

  • Jenefer Greenwood (Chair of the Committee from 22 May 2012)
  • Simon Laffin
  • David Richardson
  • Clare Hollingsworth (Chair of the Committee until 22 May 2012)

In relation to these committees non-executive members now serve on all committees. This is appropriate given the relatively small size of the Board.

BOARD AND BOARD COMMITTEE ATTENDANCE

Name Board
(9 meetings)
Renumeration Committee
(4 meetings)
Audit Committee
(7 meetings)
Nominations Committee
(3 meetings)
Simon Laffin 9/9 4/4 7/7 3/3
Graham Roberts 9/9 n/a n/a 3/3
Jonathan Murphy 2/2 n/a n/a n/a
David Richardson 8/9 4/4 7/7 3/3
Jenefer Greenwood 7/7 4/4 7/7 2/2
Clare Hollingsworth 1/2 1/1 1/1 1/1
to smaller companies.
The Company has applied the main principles of the Code as follows:
the Company has applied the principles and the provisions of the Code. The Company has completed a thorough
review of the Code and can confirm that there are no areas of non-compliance which are required to be brought to
the attention of the shareholders. The Board has taken account of the flexibility in the Code in its application
Leadership
Operation of the Board
any important additional or urgent business.
The Company has an effective Board which is collectively responsible for the long-term success of the Company.
The Board meets six times per annum for scheduled Board meetings. The Board also meets as required to consider
and amendments to delegated authorities. The Board has approved a schedule of matters reserved for decision by the Board. This includes all corporate
acquisitions or corporate disposals, debt raising above £50 million, remuneration policy, annual budget approval
Roles of the Chairman and Chief Executive The roles of the Chairman and the Chief Executive are distinct. Mr Laffin is the Non-Executive Chairman, and
Mr Roberts is the Chief Executive. Mr Laffin is responsible for setting the Board's agenda and ensuring that
adequate time is available for discussion of all agenda items, in particular strategic issues. Mr Laffin promotes a
culture of openness and debate by facilitating the effective contribution of Non-Executive Directors in particular
and ensures constructive relations between the Executive and Non-Executive Directors. He is also responsible
for ensuring that the Directors receive accurate, timely and clear information.
Senior Independent Director
independently of other Directors or management.
Mr Richardson is the Senior Independent Director and, if requested, is available for discussions with shareholders
Non-Executive Directors The Non-Executive Directors scrutinise the performance of management in meeting agreed goals and objectives
and monitor the reporting of performance. They satisfy themselves on the integrity of financial information
and that financial controls and systems of risk management are robust and defensible. They are responsible for
determining appropriate levels of remuneration of Executive Directors and have a prime role in appointing and,
where necessary, removing Executive Directors, and in succession planning.

COMPLIANCE WITH THE UK CORPORATE GOVERNANCE CODE

Leadership

Operation of the Board

Roles of the Chairman and Chief Executive

Senior Independent Director

Non-Executive Directors

Delegations of Authority

To facilitate efficient and where necessary, swift operational management decisions without the necessity of convening a meeting of the full Board, the Board has granted delegated authority (within clearly described parameters) to the Executive Board in relation to day to day operational matters.

All Directors have access to the advice and services of the Company Secretary who is responsible for ensuring Board procedures and internal authorisations are complied with and for the correct application of delegated authorities. In addition, and to ensure efficient and effective discharge of the administrative affairs of the Group, the Board has formally delegated authority to the Company Secretary in relation to a series of administrative matters.

Executive Board

The Executive Board comprises the Chief Executive, the Finance Director and the Managing Director of Property. The Executive Board considers a number of differing issues including the day to day operational matters for the running of the business. These include the performance of the Group's assets and development programme, financings, cost control and risk management. Scheduled meetings are held monthly with ad-hoc meetings as required.

Effectiveness

Appointments to the Board

Under the Articles of Incorporation of the Company, Directors may be appointed, either to fill a vacancy or as an additional Director, either by the Company by way of ordinary resolution, or by the Board, subject, in each case, to any maximum number of Directors. Any Director appointed by the Board shall retire and offer themselves for re-election at the next Annual General Meeting.

The Company's Articles of Incorporation include provisions whereby Directors are, to the extent permitted by Guernsey Company Law, indemnified against liabilities to third parties as a result of any act or omission in carrying out their duties or in any other way in connection with their duties, powers or posts.

The Company has made one appointment since the date of the last Annual Report being Mr Murphy as Finance Director.

Training and induction for Board members

On appointment, new Directors receive a full briefing on the role, duties and responsibilities of a Director of a listed company and on the Company and its Board and an induction pack with important information is provided. Training needs are reviewed annually as part of the Board evaluation.

Board performance evaluation

The Board has recently been refreshed and its members have been working together for only a few months. It has reviewed its performance based on an internal evaluation and concluded that its access to relevant information is good, discussions are carried out in an appropriate manner, the strategy and goals of the Company have been clarified and the Board is appraised promptly and fully of investor views. There were no major changes adopted in the way the Board operates.

Independent advice

The Board has an agreed policy to permit Directors to take professional advice on any matter which relates to their position, role and responsibilities as a Director (but not on personal matters) at the cost of the Group.

Accountability

Going concern

The Group's business activities together with factors likely to affect its future performance are set out in the Business Review on pages 21 to 29. In addition, note 32 to the Financial Statements includes the Group's objectives, policies and processes for managing its capital, its financial risk management objectives, details of its financial instruments and its exposure to credit risk and liquidity risk.

The Group has facilities from two financial institutions, neither of which is repayable before November 2016 other than modest annual amortisation and much of the debt is not repayable before 2021. In addition to surplus available cash of £15.6 million at 31 March 2013 (2012: £12.2 million), the Group has surplus security comprising un-mortgaged property assets totalling £3.3 million at that date (2012: £2.8 million).

The Group's medical centre property developments in progress are all substantially pre-let and in the main have funding in place.

The Group has benefitted from periodic sales of non-core assets which included the former head office building in the year under review. Non-core assets represent marketable properties which can be readily sold if cash constraints necessitate sales.

The Group has adequate headroom in its banking covenants. The Group has been in compliance with all financial covenants on its loans throughout the year.

The Group's properties are substantially let with rent paid or reimbursed by the NHS and they benefit from a weighted average lease length of 14.8 years. They are also diverse both geographically and by lot size and therefore represent excellent security.

The Group's financial forecasts show that borrowing facilities are adequate and the business can operate within these facilities and meet its obligations when they fall due for the foreseeable future. The Directors believe that the business is well placed to manage its current and reasonably possible future risks successfully despite the current economic climate.

Accordingly, the Financial Statements have been prepared on a going concern basis.

Internal control and risk management

The Board accepts and acknowledges that it is both accountable and responsible for ensuring that the Group has in place appropriate and effective systems, procedures, policies and processes for internal controls.

In relation to internal controls:

  • there is in place a comprehensive set of internal procedures reviewed and approved by the Audit Committee and communicated across the Group;
  • the Board has implemented a formal budget preparation process which leads to the adoption of an annual budget;
  • a clear definition of authority levels and segregation of responsibilities between relevant individuals and managers exists;
  • management accounts and key performance indicators are prepared on a monthly basis, distributed internally and reviewed at Board meetings;
  • detailed sales and forecasting policies and procedures are in place;
  • general ledger and management reporting systems are in place;
  • a process for consolidating the accounts which ensures that information is collated and presented in a consistent way, and facilitating regular financial reporting has been adopted;
  • a comprehensive property management system which integrates with the general ledger system is in place; and
  • an electronic document filing system is operated.

The Group requires all employees and other stakeholders to operate professionally and honestly in all their dealings with or on behalf of the Company and to report any concerns which they may feel should be brought to the attention of management.

The Group has adopted a whistle blowing policy and a fraud and theft reporting policy. These policies are reviewed on an annual basis. The Group's equal opportunities policy is described on page 39.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 38OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION The whistle blowing policy and fraud and theft reporting policy are available within the Group's internal policies and procedures enabling any such matters to be raised through appropriate channels. In addition the Company Secretary is available to provide advice to any member of staff on any matter which may give rise to cause for concern. Responsibility for the implementation of the Group's internal controls and risk management policies has been delegated by the Board to the Executive Board.

The Executive Board consider risk management at each of its regular meetings according to an assurance framework which is summarised below.

Risks are mapped into key categories and given scores by reference to their impact and likelihood. Controls are identified to mitigate each risk, or the risk is identified as one which is outside of the control of the Group, and the sources of assurance are noted which can demonstrate the effectiveness of the controls that are in place. In this way any gaps in controls are identified with action plans agreed and monitored to reduce the risks.

This involves:

  • regularly reviewing, monitoring and evaluating the nature and extent of the risks to which the Group is exposed;
  • reviewing the overall and detailed corporate risk profile of the Group;
  • identifying emerging risks as the nature and scope of the Group's activities evolves;
  • recommending appropriate risk management strategies to the Board and managing their implementation;
  • supervising the effectiveness of those risk strategies; and
  • reporting to the Board major risks and mitigating action in place to minimise their impact.

The Board regularly reviews all of the major risks, those newly identified risks, and the mitigation action for each major risk.

Throughout the period covered by this report and up to the date of this report the Board believes that there have been appropriate internal controls and risk management processes in place which have been reviewed and updated as outlined in this report.

This process ensures that the Company and the Group complies with the relevant corporate governance requirements and best practice on risk management including the Turnbull Guidance.

Corporate responsibility

The Group plays an important role in the community. It takes seriously its corporate responsibilities and in particular the requirement to maintain high standards of governance and probity in all of its dealings with Government, the public, its workforce and its customers.

Employees

Assura is not a large employer of staff, but it relies heavily on the experience, skills and capabilities of its employees to operate its business successfully.

Staff are encouraged to maximise their individual contribution to the Group. In addition to competitive remuneration packages, they participate in an annual bonus scheme which links personal contribution to the goals of the business. Outperformance against the annual targets can result in a bonus of up to 20% for all staff below the Executive Board. Employees are provided with information regarding progress against the budget, financial and economic factors affecting the business's performance and other matters of concern to them regularly. In addition staff are eligible to participate in a defined contribution pension scheme and the Value Creation Plan. Both schemes have been introduced in the current period. The views of employees are taken into account when making decisions that might affect their interests. Assura encourages openness and transparency, with staff having regular access to the Chief Executive and being given the opportunity to express views and opinions.

The Group has a pro-active approach to the promotion of equal opportunities, supported by its equal opportunity and valuing diversity policy. The policy reflects both current legislation and best practice. It highlights the Group's obligations to race, gender and disability equality. Full and fair consideration is given to applications for employment from disabled persons and appropriate training and career development is provided.

Environmental policy

The Group is committed to minimising the environmental impact of its activities and achieving continual improvement in its environmental performance by:

  • openly addressing the environmental risks of the work carried out and identifying and managing the environmental risks associated with the business on an on-going basis;
  • setting and reviewing annual environmental objectives and targets, and monitoring performance;
  • complying with applicable environmental legislation and other requirements relevant to the Group's operations;
  • gaining certification to the ISO14001: 2004 management standard and carrying out regular internal and external audits to ensure good performance and identify opportunities for improvement;

  • working with partners, sub-contractors and suppliers to promote good environmental management and performance;

  • reducing the environmental impacts of new developments by achieving a Building Research Establishment Environmental Assessment Method ('BREEAM') excellent rating where possible;
  • reducing the environmental impacts of all owned and leased premises by adopting or promoting reasonable controls for preventing pollution, improving resource efficiency, reducing waste and reducing the Group's carbon footprint; and
  • training employees appropriately and promoting environmental awareness and commitment amongst all staff.

This policy is reviewed and updated annually by the Board and is available to the public.

The Group gained ISO14001: 2004 accreditation in February 2013.

Health and safety

The Group is committed to maintain safe working environments, and regularly undertakes programmes to identify, evaluate and eliminate risk in the work place and on-site. Risk reviews, supported by executive management reporting are presented to the Board on a regular basis.

Social and community matters

Assura Group aspires to operate in a responsible, professional, ethical and reliable manner and is trusted as a provider of services and facilities. Reflecting the nature of the Group's customer base, Assura intends to align itself increasingly with the wider corporate and social responsibility interests of the NHS. Accordingly, the Group has a formal Environmental Management System and has gained accreditation of ISO14001: 2004 standard.

The Group's role in developing new medical facilities in the community, thereby bringing services closer to the patient, helps to improve quality of life.

In developing a new medical centre, the Group enters into consultation with local communities. Many of the Group's developments are part of regeneration schemes that enhance the facilities for local communities.

Responsibility for reporting to the Board on environmental, social and community matters sits with the Chief Executive, who has a responsibility to maintain attention on policy and ensure implementation. Current examples of work in this area include the soon to be completed developments at Leicester, Chapel House & Maidstone, which are all due to achieve BREEAM excellent rating.

Social and community matters (continued)

A new health centre being developed in Leicester will incorporate a 'Biodiversity Roof' and wetlands Sustainable Urban Drainage System area, with the aim of creating a habitat which encourages local wildlife. Similarly in Maidstone the new health centre there will feature a combined heat and power plant, photovoltaic cells and a "green wall" to enhance biodiversity. Assura supports a charity close to its Head Office which is heavily involved with the local communities.

Conduct of business

The Group is committed to maintaining the highest standards of integrity and corporate governance practices, and conducts its business in an honest and ethical manner. The Group has adopted policies on:

  • The Bribery Act;
  • Share dealing;
  • Whistle blowing;
  • Fraud and theft reporting; and
  • Equal opportunities.

Key contractual relationships include those with the Group's principal developer partners, contractors and professional firms. As the Group works with several such firms, no particular relationship or contract is critical to the business.

Remuneration

Details of the remuneration policy and structure can be found in the Remuneration Committee Report on pages 48 to 62.

Relations with shareholders

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 40OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION The Board welcomes open communication with its shareholders and works with its stockbrokers Espirito Santo Investment Bank and Oriel Securities to ensure an appropriate level of communication is maintained. The dialogue with shareholders is facilitated by a series of investor relations mechanisms including regular meetings between senior members of the Company's executive management with institutional investors and sales teams and industry/sector analysts. Feedback from these meetings is regularly relayed to the Board in order to ensure that all Board members and Non-Executive Directors in particular, develop an understanding of the views of major shareholders. This process augments the regular dissemination of annual and quarterly interim management statements. Copies of these announcements and any accompanying presentational materials are available on the Company's website at www.assuragroup.co.uk

The Board responds to ad-hoc requests for information from shareholders and all shareholders have access to the Board and senior management, with an opportunity to raise questions, at the Annual General Meeting and other shareholder meetings.

During the period under review both Executive and Non-Executive Directors, including the Chairman and the Chief Executive have held meetings with a number of the Company's institutional and private shareholders.

AUDIT COMMITTEE REPORT

The Board is satisfied that Mr Richardson has the requisite recent and relevant financial experience to be Chairman of the Audit Committee and is an independent Non-Executive Director. Mr Laffin, who is company Chairman, sits on the Committee, under the smaller company rule, and brings a wealth of financial experience. Ms Greenwood is also a member of the Committee. The Board is satisfied that each Non-Executive Director has appropriate experience, understanding and knowledge of financial, risk and accounting matters to contribute effectively and appropriately to the work of the Committee.

On a regular basis, the Chief Executive and Finance Director are invited to attend the meetings of the Committee.

Summary of the role of the Audit Committee

The Audit Committee is appointed by the Board from the Non-Executive Directors of the Company. The Audit Committee's terms of reference include all matters indicated by Disclosure and Transparency Rule 7.1 and the UK Corporate Governance Code. The terms of reference are considered annually by the Audit Committee and are then referred to the Board for approval.

AUDIT COMMITTEE REPORT (continued)

The Audit Committee is responsible for:

  • monitoring the integrity of the Financial Statements of the Group and any formal announcements relating to the Group's financial performance and reviewing significant financial reporting judgements contained therein;
  • reviewing the Group's internal financial controls and the Group's internal control and risk management systems;
  • making recommendations to the Board on the appointment of the external auditor and the approval of the remuneration and terms of engagement of the external auditor;
  • reviewing and monitoring the external auditor's independence and objectivity and the effectiveness of the audit process, taking into consideration relevant UK professional and regulatory requirements; and
  • developing and implementing a policy on the engagement of the external auditor to supply non-audit services, taking into account relevant guidance regarding the provision of non-audit services by the external audit firm.

The Audit Committee is required to report its findings to the Board, identifying any matters on which it considers that action or improvement is needed, and make recommendations on the steps to be taken.

Two members constitute a quorum.

Numbers of meetings

The Terms of Reference require there to be at least four meetings of the Committee a year. During the year under review, the Committee met seven times.

At those meetings of the Committee at which the external auditor presents their findings, members of the Committee meet with the external auditor without management being present. The Committee uses these opportunities to discuss any issues that the auditor has identified that reflect on the conduct of the business or financial reporting by management. Any relevant issues are then reported to the full Board.

Overview of the actions taken by the Audit Committee to discharge its duties

Since the beginning of the year the Audit Committee has:

  • reviewed the Annual Report and Financial Statements and the half-yearly financial report. As part of these reviews the Committee received a report from the external auditor on their audit of the Annual Report and Financial Statements and review of the half-yearly financial report;
  • reviewed the effectiveness of the Group's internal controls, processes and disclosures made in the Annual Report and Financial Statements on this matter;

  • reviewed and agreed the scope of the audit work to be undertaken by the auditor;

  • agreed the fees to be paid to the external auditor for the audit of the Financial Statements and September half-yearly financial report;
  • following the appointment of a new Finance Director the Committee reviewed the appropriateness of the accounting policies and the design and operation of the internal controls;
  • reviewed its own effectiveness;
  • reviewed the effectiveness, performance and fees of the external auditor;
  • reviewed the effectiveness, performance and fees of the external valuer;
  • reviewed the requirement for an internal audit function; and
  • reviewed the approved treasury counterparties.

Terms of Reference

The Terms of Reference include all matters that an audit committee is recommended to address by the FRC's "Guidance for Audit Committees", dated September 2012.

Furthermore at the meeting which considers the Annual Report and Accounts the Company Secretary sets out for the Committee the way in which the terms of reference have been met over the course of the year.

Internal audit

The Committee does not consider that there are any trends or current factors relevant to the Group's activities, markets or other aspects of its external environment that have increased, or are expected to increase, the risks faced by the Group.

The Audit Committee is satisfied that the current level of control and risk management within the business adequately meets the Group's current needs and that therefore there is no economic case for having an internal audit department.

Policy for non-audit services

The Committee has developed and adopted a policy for the provision of non-audit services by its external auditor and approves, before any significant nonaudit services are commissioned from its external auditor, the fees payable for such services. This process is in accordance with the Committee's agreed policy of ensuring that the independence and objectivity of the external auditor is not impaired by such non-audit services or fees but recognises that, in certain circumstances, it is in the Group's interests to use the firm's particular skills or knowledge.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 42OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION

PARTNER OF CHOICE

CORPORATE GOVERNANCE (continued)

AUDIT COMMITTEE REPORT (continued)

In relation to non-audit work, the Group's auditor is not permitted to carry out certain types of work for the Group which could impair their objectivity and independence including:

  • Bookkeeping
  • Financial information system design or implementation
  • Appraisals or valuations
  • Internal audit outsourcing
  • Management functions
  • Executive recruitment services
  • Legal services

Level of fees for non-audit work

All audit fees and any material non-audit services fees require approval from the Audit Committee. For this purpose, materiality is set at cost, before VAT and expenses, in excess of £25,000 or 20% of the audit fee, whichever is the lower. The threshold for large consultancy contracts to be considered for specific procurement review is set at cost in excess of £50,000 before VAT and expenses.

Audit/non-audit fees payable to external auditor

An analysis of the fees earned by the Group's external auditor (divided between audit and non-audit services) is disclosed in note 6(a) to the audited accounts on page 77.

During the year under review Deloitte LLP has undertaken two pieces of tax consultancy work. The first relates to a capital allowances review which commenced in November 2011 prior to Deloitte's appointment as external auditors. The fees paid in the year in relation to this piece of work totalled £0.1 million. The second engagement relates to the preparation for REIT conversion in April 2013. The fees paid to date for this piece of work total £0.1 million. The external auditor was engaged on an exceptional basis to provide these services since they are widely recognised as the market leader in this area. Both engagements were commissioned on an arm's length basis.

The Audit Committee carefully considered the level of total non-audit fees in the current year and satisfied itself that they were elevated due to the REIT conversion and would revert to normal levels from 2013. The Audit Committee was able to satisfy itself that Deloitte's independence was not prejudiced.

Whistle blowing

The Committee reviewed the arrangements for individuals to report matters confidentially to the Group and was satisfied that they were effective.

Significant financial reporting matters

In considering the Financial Statements for the year ended 31 March 2013, the Committee paid particular attention to and discussed with both management and the auditors, Deloitte, the key judgment areas as follows:

    1. Valuation of investment properties including those under construction
    1. The basis of revenue recognition and the effectiveness of the cut off procedures
    1. The validity of the going concern basis and the availability of finance going forward

We were satisfied that there are no matters that we wish to draw to the attention of the shareholders.

Re-appointment of auditor

The Committee considers that Deloitte is independent and will review the quality of their audit annually. The Committee has recommended to the Board that Deloitte LLP is re-appointed as auditor.

NOMINATIONS COMMITTEE REPORT

The Committee is chaired by Mr Laffin. The other members of the Committee are Mr Richardson and Ms Greenwood.

Terms of Reference

The Committee's Terms of Reference are reviewed annually.

Appointments

During the period there were two appointments to the Board being the Finance Director, Jonathan Murphy and the Non-Executive Director, Jenefer Greenwood.

Numbers of meetings

The Terms of Reference require there to be at least one meeting of the Committee a year. During the year under review, the Committee met three times.

Two members constitute a quorum.

Role of the Committee

The principal roles of the Committee are to:

  • review prospective candidates for appointment to the Board;
  • ensure that prospective candidates are of a sufficient calibre and have the correct level of experience and understanding of the Group's activities and market place;
  • review the structure and composition of the Board to ensure planned and progressive refreshing of the Board; and
  • review the structure and composition of the Executive Board.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 44OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION In accordance with the Code all Directors will submit themselves for re-election at the 2013 AGM. The Nomination Committee has confirmed that the Directors continue to perform effectively and demonstrate commitment to their respective roles.

ADDITIONAL DISCLOSURES

The Directors present their Annual Report on the affairs of the Group, together with the Financial Statements and auditor's report, for the year ended 31 March 2013. The Corporate Governance Report set out on pages 35 to 46 forms part of this report.

Principal activities

Assura Group is the UK's leading primary care property investor and developer. It owns and procures good quality primary healthcare properties across the UK.

The subsidiary and associated undertakings principally affecting the profits or net assets of the Group in the year are listed in note 13 to the Financial Statements.

Business review

The Group is required to include a business review in this report. The information that fulfils the requirements of the business review can be found on pages 21 to 29, which are incorporated in this report by reference.

Dividends

Details of the dividends can be found in note 25.

ADDITIONAL DISCLOSURES (continued)

Supplier payment policy

The Group has not signed up to any specific supplier payment code; it is Assura's policy to comply with the terms of payment agreed with its suppliers. Where specific payment terms are not agreed, the Group endeavours to adhere to the suppliers' standard payment terms. As at 31 March 2013, the average number of days taken by the Group to pay its suppliers was 36 days (2012: 15 days).

Events after the balance sheet date

There were no reportable events after the balance sheet date.

Directors' liability insurance

The Company has arranged insurance cover in respect of legal action against its Directors.

Major shareholder notifications

As at 1 July 2013 the Company had been notified of the following interests representing 5% or more of its issued Ordinary Share capital.

Name of shareholder 31 March 2013 1 July 2013
Number of
shares
% of ordinary
shares
Number of
shares
% of ordinary
shares
Somerston Investments Limited 157,499,999 29.74 157,499,999 29.74
INVESCO Asset Management 96,783,097 18.28 96,783,097 18.28
Aviva Investors 45,239,606 8.54 44,396,994 8.38
Artemis Investment Management 44,915,063 8.48 45,259,184 8.55

Company share schemes

The Assura Group Employee Benefit Trust holds 4,218,219 (0.8%) of the issued share capital of the Company on trust for the benefit of employees of the Group and their dependents. The voting rights in relation to these shares are exercised by the Trustees who will take into account any recommendation made to them by the Board of Assura Group Limited.

Political and charitable donations

We recognise the importance and benefits of supporting charities and local communities. During the period the Company supported two charities. The first of these was St Rocco's Hospice, a Warrington based charity which provides specialist care for patients with cancer and other life threatening illnesses. The second charity was Medecins Sans Frontieres which is an independent international medical humanitarian organisation that delivers emergency aid in more than 60 countries to people affected by armed conflict, epidemics, natural or man-made disasters or exclusion from healthcare. In the year to 31 March 2013 we donated £23,451 to charities (2012: £10,000), all of which were UK registered charities, and no contributions were made for political purpose (2012: nil). More details of our chosen charities can be found on page 114.

ADDITIONAL DISCLOSURES (continued)

Auditor

Each of the persons who is a Director at the date of approval of this Annual Report confirms that:

  • so far as the Director is aware, there is no relevant audit information of which the Company's auditor is unaware; and
  • ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 46OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION • the Director has taken all the steps that he/she ought to have taken as a Director in order to make himself/herself aware of any relevant audit information and to establish that the Company's auditor is aware of that information.

The Directors, on recommendation from the Audit Committee, intend to place a resolution before the Annual General Meeting to re-appoint Deloitte LLP as auditor for the year ending 31 March 2014.

Amendments to the Articles of Incorporation

The Articles of Incorporation of the Company may be amended by special resolution of the Company.

Annual General Meeting

The Annual General Meeting of the Company will be held at the offices of Addleshaw Goddard, 60 Chiswell Street, London EC1Y 4AG on 19 September 2013 at 10am.

By order of the Board

Jonathan Murphy Company Secretary 19 July 2013

INVESTING IN THE FUTURE

CHAIRMAN'S SUMMARY REPORT

Overview of 2012/13

The financial year saw the important stabilisation of the Company, the rebuilding of the management team and a significant repositioning of the Company in the market.

The Chief Executive, Graham Roberts, joined the Company on 29 March 2012 replacing his predecessor who left shortly thereafter. His tasks, as the only Executive Director, were identified at the outset as improving the market perception of the Company, its operations and the team.

His appointment followed the Rights Issue in November 2011, supported by shareholders, which enabled the Company to settle a swap liability of some £69 million. In the course of 2012 the Board was entirely refreshed, led by Chairman Simon Laffin, who had joined the Board in August 2011.

This situation posed obvious challenges to the Remuneration Committee on day one, not least the understandable lack of knowledge at Board level about the business, its people, its portfolio, its customers and the absence of a business strategy.

The prime focus for the year for the Remuneration Committee was to put in place an appropriate long-term incentive plan for the Chief Executive and the team he would build. However this could not be decided ahead of establishing the right strategy for the business and the consultation process was planned for the second half year allowing a properly developed strategy to be formulated, for the Board to gain sufficient knowledge of the business to assess the strategy and its risks and for this to be fully debated by the Board.

Following this, we developed proposals for a long term incentive plan which rewards outstanding achievement but not excessive risk taking. Key principles include: a 5 year time horizon reflecting the long-term nature of the business; a Total Shareholder Return basis; alignment of shareholder and management interests; a cap; no early crystallisation until year 3 and potential for clawback on unvested rewards; inclusion of all staff.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 48OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION We undertook an extensive consultation exercise with principal shareholders and the main shareholder representative bodies. We would like to thank shareholders for their constructive engagement during this process. The culmination of this exercise was the adoption of the remuneration policy set out in this report and the approval of a new long-term incentive plan, the Assura Group Value Creation Plan ("VCP"), by shareholders at a general meeting on 15 February 2013. Full details of the awards made under the new VCP were set out in the Circular issued to shareholders and the Circular is summarised in this report.

By the end of the financial year the Committee considered the Company had been repositioned substantially and this underlies the decision to award the maximum potential bonus to the Chief Executive of 100% and a proportionately full award of 12.5% to the Finance Director, who joined in January 2013.

At the end of the year:

  • Total Shareholder Return was 18.6% with a threefold increase in median share trading in Q4 compared to the Q4 in the prior year
  • 54 institutions had held meetings with the Company for the first time
  • The Board believes that the Company now leads its sector in transparency
  • The Board targets a sustainable and progressive dividend policy
  • Underlying profit from continuing operations up 44% to £10.2 million (2012: £7.1 million)
  • Valuation uplift of £6.0 million (2012: £1.5 million)
  • Adjusted EPRA NAV per share up 6.3% to 38.6 pence (2012: 36.3 pence)
  • Following unanimous shareholder support the Company has achieved REIT status
  • Substantial progress made in realising non-core assets: two thirds sold or contracts exchanged
  • The team has been bolstered by the recruitment of a talented Finance Director
  • The Board has greater clarity on performance with detailed, timely financial analyses
  • A leading practitioner, Dr James Kingsland OBE, has been appointed to advise on developments in the medical arena enabling the Company to target its legitimate lobbying efforts to contribute to enhancing healthcare in the UK

CHAIRMAN'S SUMMARY REPORT (continued)

2013/2014

The Remuneration Committee has made the following decisions in relation to the Executive Directors' remuneration for 2013/14:

Salary CEO +3%, FD + 2% Inflation adjustment.
Benefits/Pension No change.
Bonus plan No change in operation. Types of stretch
targets have been modified to reflect
new requirements.
The Remuneration Committee feels that
these types of performance condition
remain appropriate for the Company
for 2013/14 (see Policy section of the
Report for details).
Assura Value Creation Plan No change. The Executive Directors were granted
an award on the adoption of the Plan.

General activities

In addition to the specific projects set out above the Committee's programme of work included:

  • Agreeing the remuneration package of the Finance Director
  • Assessing pay policies of other employees and considering the context of the wider economic/social environment in all decisions
  • Reviewing salaries in the context of inflation but not with regard to any external benchmarking

I trust you find this report helpful and informative.

Jenefer Greenwood

Non-Executive Director

POLICY REPORT

Introduction

This report has been prepared in accordance with the Listing Rules of the Financial Services Authority and describes how the Board has applied the principles of good governance relating to Directors' remuneration as set out in the UK Corporate Governance Code. A resolution to approve the report will be proposed at the Annual General Meeting of the Company at which the Financial Statements will be approved. The report has been divided into separate sections for audited and unaudited information. This report has been prepared by the Committee having regard to the proposed regulations put forward by the UK Government Department of Business, Innovation and Skills (BIS) but does not fully adopt them, as the regulations are expected to apply to the Company's financial year ending March 2014.

Remuneration Committee policy

Unaudited information

The Company's remuneration policy continues to be based on 5 key principles:

    1. the interests of shareholders and management should be aligned;
    1. excessive risk taking should be discouraged and effective risk management is given due consideration;
    1. it should retain and motivate, based on selection and interpretation of appropriate benchmarks;
    1. poor performance should not be rewarded; and
    1. the long term interests of the Company should be promoted.

The Committee has reviewed the policy for the year ahead and has concluded it remains appropriate. The policy considers the wider economic conditions and pay and reward packages elsewhere. No benchmarking against the real estate sector has been performed this year. The Terms of Reference for the Committee include the responsibility for setting the policy on incentive reward for senior employees, including those who could have a material impact on the risk profile of the Group.

POLICY REPORT (continued)

Future policy

Purpose and how it
supports the strategy
Operation Opportunity Performance
measures
and period
Changes for
2013/14 (if any)
Base Salary
Policy: Lower Quartile –
Median
Base salaries are set at the
lower quartile to median of
an appropriate comparator
group.
The Committee wishes
to ensure that fixed costs
are minimised and that
an above median level of
total remuneration is only
provided where the annual
bonus and VCP pays out.
The performance elements
are directly linked to
the achievement of the
Company's strategy
(see below).
An Executive Director's
basic salary is considered
by the Committee on their
appointment and then
reviewed periodically
or when an individual
changes position or
responsibility.
When making a
determination as to the
appropriate remuneration,
the Committee considers
firstly remuneration
practices within the
Group as a whole and,
where considered
relevant, conducts
objective research on
companies within the
Company's peers.
It should be noted
that, as is currently the
case, the results of the
benchmarking will only
be one of many factors
taken into account by the
Remuneration Committee,
other factors include:

the individual
performance and
experience of the
Executive Director;

pay and conditions for
employees across the
Group;

the general performance
of the Company; and

the economic
environment.
The Remuneration
Committee policy in
relation to salary is:

up to median salary on
appointment depending
on the experience and
background of the new
Executive Director; and

on promotion up to the
lower quartile salary for
the new role.
The annual salaries for the
Executive Directors for
2013/14 are:
Graham Roberts:
£309,000
Jonathan Murphy:
£153,000
The Committee is satisfied
that the salaries conform to
its strategy. No comparison
has been made against
similar roles within the
relevant peer group in
the period.
There are no
performance
conditions
attached to
the payment of
salary although
there are a
number of
performance
based factors,
both at the
individual and
Company level
that influence
the level of
salaries provided
to Executive
Directors.
CEO 3%
increase.
FD 2% increase.
Benefits
Policy: Market Practice
The Company provides a
benefits package in line
with standard market
practice.
Executive Directors receive
a benefit package which
includes:

health insurance;

death in service benefits;
and

company car allowance.
The payments are not
included in salary for the
purposes of calculating
any benefit or level of
participation in incentive
arrangements.
The following table sets
out the annual cost of
benefits provided to
the Directors:
Value of benefits
Graham Roberts
£13,856
Jonathan Murphy
£11,908
None. No change.

POLICY REPORT (continued)

Purpose and how it
supports the strategy
Operation Opportunity Performance
measures
and period
Changes for
2013/14 (if any)
Pension
Policy: Median
The Company provides
a level of pension
contribution in order
to be competitive and to
ensure it has the ability
to recruit and retain
Executive Directors.
The Executive Directors
receive payments in lieu
of pension payments.
The payments are not
included in salary for the
purposes of calculating
any benefit or level of
participation in incentive
arrangements.
The payments in lieu of
pension payments for the
Executive Directors are the
following percentages of
salary:

CEO: 20%; being £61,800

FD: 12.5%; being £19,125
There are no
performance
conditions
attached to
the payment
of pension
contributions.
No change.
Non-Executive Directors'
Fees
Policy: Median
The Company sets fee
levels necessary to attract
and retain experienced
and skilled Non-Executive
Directors to advise and
assist with establishing and
monitoring the strategic
objectives of the Company.
Fees also reflect the
time commitment and
responsibilities of the roles.
An additional fee is paid
for Chairmanship of a
Board Committee.
Non-Executive Directors
have specific terms of
engagement provided
in formal letters of
appointment, and
their remuneration is
determined by the Board
within the limits set by the
Articles of Incorporation
and based on equivalent
roles in the same
comparators as are used
for the Executive Directors.
The fees for Non-Executive
Directors are considered
periodically.
The Non-Executive
Directors are appointed for
a three year term, subject
to annual re-election by
the shareholders, at the
Company's Annual
General Meeting.
Non-Executive Directors
do not receive any
bonus, do not participate
in awards under the
Company's share plans,
and are not eligible to
join the Company's
pension scheme.
The Company's policy in
relation to fees is:

up to median level
fees on appointment
depending on the
experience and
background of the new
Non-Executive Director.
The Non-Executive
Director fees for
2013/14 are:

basic fee £35,500 p.a.

Senior Independent
Director fee £8,000 p.a.

Chairman of Board
Committee fee of
£8,000 p.a.
The fees for the
Non-Executive Directors
for 2013/14 are:
Simon Laffin:
£126,000
David Richardson:
£51,500
Jenefer Greenwood:
£43,500
None. Non-Executive
Directors £1,500
increase.
Chairman 5%
increase. (First
increase since
appointment in
August 2011)

POLICY REPORT (continued)

Performance based variable remuneration

Purpose and how it
supports the strategy
Operation Opportunity Performance
measures
and period
Changes for
2013/14 (if any)
Bonus Plan
Policy: Median
Performance Conditions
The targets for the
Executive Directors
are based on:

Delivering the budget

Delivering development
surpluses

Growing the dividend
capacity

Embedding a continuous
improvement culture.
Assura Value Creation Plan
Policy: Upper Quartile
The long-term incentive
arrangements are
structured so as to align
The VCP operates by
granting the Executive
Directors, and other
eligible employees, an
award of units that have
no value to the Executive
The maximum annual
bonus level for the CEO is
100% of salary and 50% of
salary for the FD.
Bonuses are paid in cash.
The number of units
granted to the Executive
Directors is set out in the
following table:
The performance
condition is
based on the
absolute total
shareholder
return
No change.
No changes.
the incentives of relevant
participants with the long
term performance of the
business and to motivate
and retain key members
of staff.
The Company obtained
shareholder approval for
a new plan, the Assura
Value Creation Plan on
15 February 2013. The
rationale behind the
design of the Assura Value
Creation Plan is set out in
Note 1 to this table.
Directors on grant, but
which may convert into
nil-cost options over shares
with a value calculated to
be a proportion of the total
shareholder return created
for shareholders. This will
be measured on three
separate dates over a five
year performance period.
The overall effect of the
VCP is that the Executive
Directors and other
eligible employees will
be able to earn shares
equivalent to 10% of any
total shareholder return
created above an 8% p.a.
compound threshold.
In other words, until
shareholders receive an
8% p.a. return, the VCP will
not pay out. Beyond that,
broadly participants may
receive 10% of any further
value created subject to
a cap of 25 million shares.
The base price is 30.25p.
Role
Graham
Roberts
Jonathan
Murphy
Other
Participants
and
Unallocated
Total Units
Number
of units
granted
400,000
175,000
425,000
1,000,000
performance of
the Company
over a five
year period.
Participants
will be able to
earn shares
equivalent to
10% of any total
shareholder
return created
above an 8% p.a.
threshold.
Funding of Share Plans The Company can fund its share incentives through a combination of new issue and market purchased shares. The Company
monitors the levels of share grants and the impact of these on the ongoing requirements for shares. In accordance with the
guidelines set out by the Association of British Insurers ("ABI") the Company can issue a maximum of 10 per cent of its issued
share capital in a rolling ten year period to employees under all its share plans.

Funding of Share Plans

POLICY REPORT (continued)

Notes

  1. Rationale for the Assura Value Creation Plan ("VCP")

Alignment with the strategic aims

  • The Company's annual bonus arrangements are focused on the achievement of short-term operational measures. The new VCP is intended to directly support the achievement of the key long-term performance indicator of the Company, Total Shareholder Return.
  • Growth in Total Shareholder Return is the key measure demonstrating the successful execution of a number of the Company's financial objectives including:
  • capital returns and growth in net asset value per share;
  • growth in income returns and earnings per share; and
  • the reduction of costs and improvement in recovery rates.
  • Further, maximising Total Shareholder Returns supports sustainable growth and a progressive dividend policy.

Alignment of interests with shareholders

  • One of the main criteria of success by which shareholders will judge the executive team is the long-term sustainable increase in absolute Total Shareholder Return. The VCP provides a direct relationship between returns to shareholders and value delivered to participants.
  • Total Shareholder Return is easy to communicate to shareholders and participants and also to explain the basis of the value received by participants as a proportion of the value delivered to shareholders.

Risk adjustment

  • Payout under the VCP is capped. This ensures that participants do not share in a disproportionate amount of the value created for shareholders.
  • Before any awards vest and become exercisable at each measurement date a minimum level of Total Shareholder Return must have been achieved (i.e. 8% p.a. compound growth from the base price). This ensures that participants are focused on sustaining and growing long-term Total Shareholder Returns.

The detailed conditions and calculations attached to the VCP awards are attached in the Circular to shareholders dated 28 January 2013, which is available on the Company's website www.assuragroup.co.uk.

Long Term Incentive Plan

Prior to the inception of the VCP an existing Long Term Incentive Plan was in operation. In respect of this scheme no awards were made and no awards vested in the year.

Following expiry of awards issued in February 2011 only 400,000 units in the existing scheme remain outstanding as at 31 March 2013. These relate to a grant on 29 July 2011 which has a performance period ending on 31 March 2014.

No Executive Director had an interest in these units as at 31 March 2013. Key management personnel had interests in 400,000 units at 31 March 2013. The vesting conditions require Total Shareholder Return over 3 years to exceed 25%.

Loss of office payment policy

Service contracts do not contain liquidated damages clauses. If a contract is to be terminated the Committee will determine such mitigation as it considers fair and reasonable in each case. In determining any compensation it will take into account the best practice provisions of the UK Corporate Governance Code and published guidance from recognised institutional investor bodies and will take legal advice on the Company's liability to pay compensation and the appropriate amount. The Committee periodically considers what compensation commitments the Executive Directors' contracts would entail in the event of early termination. There are no contractual arrangements that would guarantee a pension with limited or no abatement on severance or early retirement. There is no agreement between the Company and its Directors, or employees, providing for compensation for loss of office or employment that occurs because of a takeover bid.

POLICY REPORT (continued)

Remuneration element Treatment on exit
Base Salary Salary will be paid over the notice period. The Company has discretion to make a lump
sum payment on termination of the salary payable during the notice period. In all cases
the Company will seek to mitigate any payments due.
Benefits Benefits will normally be provided over the notice period. The Company has discretion to
make a lump sum payment on termination equal to the value of the benefits payable during
the notice period. In all cases the Company will seek to mitigate any payments due.
Pension/Salary
Supplement
Company pension contributions/salary supplement will normally be provided over the notice
period. The Company has discretion to make a lump sum payment on termination equal to
the value of the Company pension contributions/salary supplement during the notice period.
In all cases the Company will seek to mitigate any payments due.

Remuneration element

Bonus plan

Normal Cessation Good Leaver Change of Control
No entitlement for year
of cessation.
Pro-rated bonus to time and performance
for year of cessation.
The extent to which the performance
requirements are satisfied will determine
the bonus which is earned.
Cessation of employment
where the Executive is not
a good leaver.
Cessation of employment for one or the
following reasons:

death;

injury or disability,

retirement;

redundancy; and

at the discretion of the Committee
(if exercised a full explanation will
be provided to shareholders).
Excludes a reorganisation or reconstruction
where ownership does not materially change.

Value Creation Plan

Remuneration element Treatment on exit
Base Salary Salary will be paid over the notice period. The Company has discretion to make a lump
sum payment on termination of the salary payable during the notice period. In all cases
the Company will seek to mitigate any payments due.
Benefits Benefits will normally be provided over the notice period. The Company has discretion to
make a lump sum payment on termination equal to the value of the benefits payable during
the notice period. In all cases the Company will seek to mitigate any payments due.
Pension/Salary
Supplement
Company pension contributions/salary supplement will normally be provided over the notice
period. The Company has discretion to make a lump sum payment on termination equal to
the value of the Company pension contributions/salary supplement during the notice period.
In all cases the Company will seek to mitigate any payments due.
Remuneration element
Bonus plan
Normal Cessation Good Leaver Change of Control
No entitlement for year
of cessation.
Pro-rated bonus to time and performance
for year of cessation.
The extent to which the performance
requirements are satisfied will determine
the bonus which is earned.
Cessation of employment
where the Executive is not
a good leaver.
Cessation of employment for one or the
following reasons:

death;

injury or disability,

retirement;

redundancy; and

at the discretion of the Committee
Excludes a reorganisation or reconstruction
where ownership does not materially change.
(if exercised a full explanation will
be provided to shareholders).
Value Creation Plan
Normal Cessation
Good Leaver Change of Control
All awards lapse. The Committee will have discretion, if it
decides it is appropriate, to allow some or all
of the awards to vest by deeming there to be:

a new Measurement Date at the date of
cessation and the number of nil-cost options
to be accrued will be calculated as at any
other Measurement Date; or

the nearest normal Measurement Date
to the date of cessation of employment
can be used.
On a change of control there will be a new
Measurement Date deemed to be the date
of the change of control. In determining the
value created, the Measurement Price will be
the offer price for the Company's shares.
The calculation of the number of Company
shares to be allocated to a participant will be
as at any other Measurement Date. All accrued
nil-cost options will vest on a change of
control and be exercisable together with any
other vested nil-cost options immediately for
a set period of up to six months.

POLICY REPORT (continued)

Service contracts

Each of the Executive Directors has a service contract with the Company which is terminable by the Company on not more than six months' notice and by the Director on six months' notice. The Company's practice is to appoint the Non-Executive Directors, including the Chairman, under letters of appointment. Their appointment is usually for a term of three years. Either the Company or the Non-Executive Director may terminate the appointment before the end of the current term on six months' notice. In the event that the Company terminated the Non-Executive Directors' appointment, the maximum compensation payable would be the fees due for the notice period.

In an appropriate case, the Company would have regard to the departing Director's duty to mitigate against costs to the Company. The following table summarises the main contractual terms of the Directors' service agreements:

Maximum entitlement on termination
Date of
contract/
period in
appointment
months
Notice Salary/fees Benefits Pension Annual
bonus
Value
Creation
Plan
Graham
Roberts
29 March
2012
6 £154,500 £6,928 £30,900 See exit
payments
See exit
payments
Jonathan
Murphy
2 January
2013
6 £76,500 £5,954 £9,563 See exit
payments
See exit
payments

Remuneration scenarios

The policy of the Committee is to align Executive Directors' interests with those of shareholders and to give the Executive Directors incentives to perform at the highest levels. To achieve this it seeks to ensure that a significant proportion of the remuneration package varies with the performance of the Company and that targets are aligned with the Company's stated business objectives.

The composition and total value of the Executive Directors' remuneration package for the financial year 2013/14 at minimum, on-target and maximum performance scenarios are set out in the charts below.

POLICY REPORT (continued)

Finance Director

Notes:

Element Minimum On-Target Maximum
Fixed element (salary) Base Salary. Base Salary. Base Salary.
Fixed element (benefits) Value of Benefits paid
in the Year.
Value of Benefits paid
in the Year.
Value of Benefits paid
in the Year.
Annual Variable Element
(Bonus Plan)
0% 75% of maximum entitlement. 100% of maximum
entitlement.
Multiple Reporting Period
Elements (Value Creation
Plan)
0% 50% of IFRS2 annual value
of the award.
100% of the IFRS2 annual
value of the award.

Non-Executive Directors do not receive performance related pay.

Consideration of conditions elsewhere in the Group

The Company has a small number of employees and applies the same policy in relation to incentive compensation throughout the organisation. All employees are eligible for annual bonuses and to participate in the Value Creation Plan. No formal consultation has been undertaken with employees as the views of the employees are openly and regularly communicated to the Board. The general rise in salaries was 3% for 2013/14 with the CEO receiving a 3% increase and the FD 2%.

Consideration of shareholder views

The Committee extensively consulted with shareholders on its executive remuneration policy in 2012/13 and obtained broad support for its proposals which was demonstrated by the positive vote by shareholders on the approval of the Assura Value Creation Plan and associated remuneration policy.

TRANSFORMING PRIMARY CARE PROPERTY

IMPLEMENTATION REPORT

Introduction

This report has been prepared by the Committee having regard to the proposed regulations put forward by the UK Government Department of Business, Innovation and Skills (BIS) but does not fully adopt them, as the regulations are expected to apply to the Company's financial year ending March 2014.

Total shareholdings of Directors

In order that their interests are aligned with those of shareholders, Executive Directors are expected to build up and maintain a personal shareholding equal to 100% of their basic salary in the Company.

Director Unconditional
holdings
%
Salary/fees
Conditional
holdings
Total holdings
Number of shares Number of shares
Executive
Graham Roberts 1,500,000 168 - 1,500,000
Jonathan Murphy - - 460,002 460,002
Non-Executive
Simon Laffin 2,104,095 N/A - 2,104,095
David Richardson 253,616 N/A - 253,616
Jenefer Greenwood - N/A - -

Notes

    1. Value of shares is based on the three month average share price finishing on 31 March 2013.
    1. Conditional shares were granted to Jonathan Murphy under the Executive Recruitment Plan. Awards granted under the ERP to Jonathan Murphy will vest in three equal instalments on the first, second and third anniversary of their award.

Pay for performance at Assura Group Limited

The Committee believes that the current executive remuneration policy and the supporting reward structure provide clear alignment with the Company's performance. Following the sale of the Company's pharmacy business in 2011 and conversion to a REIT in April 2013, the Committee believe it is appropriate to monitor the Company's performance against the FTSE All Share Real Estate Investment Trusts index. The graph below sets out the TSR performance of the Company compared to the FTSE All Share Real Estate Investment Trusts index and for comparison the FTSE All Share index over a five year period.

It should be noted that over the past 18 months the entire Board has been replaced following a period of under-performance.

IMPLEMENTATION REPORT (continued)

Relative importance of spend on pay

The graph below sets out the relative importance of pay; specifically setting out the percentage spend on:

    1. profit retained in the Company;
    1. profit as distributed by way of dividend;
    1. overall expenditure on pay, identifying within that figure the overall spend on pay for Directors, being the aggregate of the single figure for the financial year; and
    1. employment tax paid in the financial year.

The Committee and its advisors

Role of the Remuneration Committee ("Committee")

The Remuneration Committee is responsible for determining the pay and benefits and contractual arrangements for the senior management team, which comprises the Chief Executive, the Finance Director and other senior Executives. The Committee's aims are to develop remuneration policy and recommend remuneration strategies that drive performance and reward it appropriately. The Committee operates under the delegated authority of the Board and its Terms of Reference are reviewed annually.

IMPLEMENTATION REPORT (continued)

Committee members

External advice

Statement of Shareholder voting

For For as a %
of votes cast
Against Against as a %
of votes cast
Abstain
AGM Votes 287,379,666 98.27 % 5,063,362 1. 73% 4,165
EGM Votes 346,064,477 80.40% 84,509,520 19.60% 23,672,207

Table of Directors' interests

IMPLEMENTATION REPORT (continued)
Committee members
The Committee members are Jenefer Greenwood (Chairman), Simon Laffin and David Richardson, all of whom
were independent Non-Executive Directors within the definition of the Code on appointment and did not
participate in discussions in respect of matters relating directly to their own remuneration. Representatives of
PricewaterhouseCoopers LLP ("PwC") attend meetings of the Committee by invitation, as do the Executive
Directors and members of the senior management team where this is pertinent to matters under consideration.
None of the members of the Committee has any personal financial interest (other than as shareholders), conflicts
of interests arising from other directorships or day-to-day involvement in running the business of the Company.
Further information on meetings and attendance by the Committee members is disclosed in the Corporate
Governance Report on pages 35 to 46.
External advice
The Committee received external advice in 2012/13 from PwC, who were appointed by the Committee and are
considered objective and independent. PwC's fees were agreed for the projects carried out during the year and
were not contingent on any remuneration outcome or incurred on a time and disbursements basis.
Statement of Shareholder voting
The table below shows the voting outcome at the September 2012 AGM for the approval of the 2011/12
Remuneration Report and for the approval of the VCP scheme in February 2013.
For For as a %
of votes cast
Against Against as a %
of votes cast
Abstain
AGM Votes 287,379,666 98.27 % 5,063,362 1. 73% 4,165
EGM Votes 346,064,477 80.40% 84,509,520 19.60% 23,672,207
Name of Director 31 March 2013 31 March 2012
Graham Roberts 1,500,000 -
Jonathan Murphy - N/A
Simon Laffin 2,104,095 986,096
David Richardson
Jenefer Greenwood
253,616 - 167,805
N/A

IMPLEMENTATION REPORT (continued)

Audited information

Single total figure of remuneration for each Director

The table below sets out the single figure and breakdown for each Director for 2012/13. An explanation of how the figures are calculated follows the table.

Name Base
salary/fees
Benefits Pension Bonus VCP 2012/2013
total
2011/2012
total
Executive Directors' remuneration £'000s
Graham Roberts 300 14 60 300 - 674 3
Jonathan Murphy 38 3 5 19 - 65 -
Nigel Rawlings - - - - - - 613
338 17 65 319 - 739 616
Non-Executive Directors' remuneration £'000s
Simon Laffin1 120 - - - - 120 79
David Richardson 50 - - - - 50 11
Jenefer Greenwood 34 - - - - 34 -
Clare Hollingsworth 6 - - - - 6 54
Peter Pichler - - - - - - 47
Rodney Baker-Bates - - - - - - 30
548 17 65 319 - 949 837

Mr Laffin's fees are paid to Simon Laffin Business Services Limited

Notes

In view of the achievements set out in the Chairman's Summary Report on page 48 bonuses were awarded as a proportion of salary of 100% for the Chief Executive and a proportionately full award of 12.5% for the Finance Director.

Exit payments made in year

No Executives departed the business during the year and therefore no exit payments were made to Executives during the 2012/13 financial year. Nigel Rawlings left the business on 30 April 2012 though the costs relating to his departure were fully provided for in the prior year, given his resignation on 28 March 2012.

Detail on variable pay awarded in the year

Graham Roberts and Jonathan Murphy were granted 400,000 and 175,000 units respectively under the Assura Value Creation Plan ("VCP") during the year. The Non-Executive Directors are not eligible to participate in the VCP.

IMPLEMENTATION REPORT (continued)

Executive Recruitment Plan ("ERP")

Executive Recruitment Plan ("ERP")
Name ERP awards Market Date of Date of
Held at
1 April
2012
Granted Lapsed Held at
31 March
2013
price at
date of
award
award vesting
Jonathan Murphy - 460,002 - 460,002 £0.34 29/01/2013 29/01/2014
29/01/2015
29/01/2016
Notes to the ERP table
During the year the Group recruited Jonathan Murphy as Finance Director. To facilitate his recruitment an award was
made under the ERP at a proportion of the fair value of awards foregone from his previous employer. The awards are
460,002 nil cost options, have no performance criteria and vest in three equal instalments on the first, second and
third anniversary of their award.
Pension benefits
No Director nor any member of staff is entitled to a defined benefit pension arrangement.
Graham Roberts was entitled to receive payments in lieu of pension contributions equivalent to 20% of his salary, and
Jonathan Murphy was entitled to receive payments in lieu of pension contributions equivalent to 12.5% of his salary.
All other employees are entitled to participate in the defined contribution Company pension scheme.
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY

Notes to the ERP table

Pension benefits

TRANSFORMING PATIENT CARE

STATEMENT OF DIRECTORS' RESPONSIBILITIES

The Directors are responsible for preparing the Annual Report and the Financial Statements in accordance with applicable law and regulations.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 64OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION Guernsey company law requires the Directors to prepare financial statements for each financial year. Under that law the Directors have elected to prepare the Group Financial Statements in accordance with International Financial Reporting Standards (IFRSs) as adopted by the European Union and Article 4 of the IAS Regulation and have also chosen to prepare the Parent Company Financial Statements under IFRSs as adopted by the European Union. Under company law the Directors must not approve the accounts unless they are satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period.

In preparing these Financial Statements, International Accounting Standard 1 requires that Directors:

  • properly select and apply accounting policies;
  • present information, including accounting policies, in a manner that provides relevant, reliable, comparable and understandable information;
  • provide additional disclosures when compliance with the specific requirements in IFRSs are insufficient to enable users to understand the impact of particular transactions, other events and conditions on the entity's financial position and financial performance; and
  • make an assessment of the Company's ability to continue as a going concern.

The Directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and enable them to ensure that the Financial Statements comply with The Companies (Guernsey) Law, 2008. They are also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The Directors are responsible for the maintenance and integrity of the corporate and financial information included on the Company's website. Legislation in Guernsey and the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

Each of the Directors in office at the date of approval of this report has confirmed that:

  • the Financial Statements, prepared in accordance with IFRS as adopted by the European Union, give a true and fair view of the assets, liabilities, financial position and profit of the Group and its undertakings included in the consolidation taken as a whole; and
  • the Management Report, which is incorporated into the Directors' Report, includes a fair review of the development and performance of the business and the position of the Group and its undertakings included in the consolidation taken as a whole, together with a description of the principal risks and uncertainties that they face.

The Directors acknowledge their responsibilities for the accuracy of this Report. All sections of this Annual Report, including the Chairman's Statement, Chief Executive's Statement and Business and Financial Review, Corporate Governance Report and Remuneration Committee Report, are regarded as forming one and the same Directors' Report which is the Management Report for the purpose of DTR 4.1.8R.

By order of the Board

Jonathan Murphy

Company Secretary 19 July 2013

INDEPENDENT AUDITOR'S REPORT

To the Members of Assura Group Limited

We have audited the Group Financial Statements of Assura Group Limited ("The Group") for the year ended 31 March 2013 which comprise the Consolidated Income Statement, the Consolidated Balance Sheet, the Consolidated Statement of Changes in Equity, the Consolidated Cash Flow Statement and the related Notes 1 to 34. The financial reporting framework that has been applied in their preparation is applicable law and International Financial Reporting Standards ("IFRSs") as adopted by the European Union.

This report is made solely to the Company's members, as a body, in accordance with section 262 of The Companies (Guernsey) Law, 2008. Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members as a body, for our audit work, for this report, or for the opinions we have formed.

Respective Responsibilities of Directors and Auditor

As explained more fully in the Statement of Directors' Responsibilities set out on page 64, the Directors are responsible for the preparation of the Group Financial Statements and for being satisfied that they give a true and fair view.

Our responsibility is to audit and express an opinion on the Group Financial Statements in accordance with applicable law and International Standards on Auditing (UK and Ireland). Those standards require us to comply with the Auditing Practices Board's Ethical Standards for Auditors.

Scope of the Audit of the Group Financial Statements

An audit involves obtaining evidence about the amounts and disclosures in the Group Financial Statements sufficient to give reasonable assurance that the Group Financial Statements are free from material misstatement, whether caused by fraud or error. This includes an assessment of: whether the accounting policies are appropriate to the Company's circumstances and have been consistently applied and adequately disclosed; the reasonableness of significant accounting estimates made by the Directors; and the overall presentation of the Financial Statements. In addition, we read all the financial and non-financial information in the Annual Report to identify material inconsistencies with the audited Financial Statements. If we become aware of any apparent material misstatements or inconsistencies we consider the implications for our report.

Opinion on Financial Statements

In our opinion the Group Financial Statements:

  • give a true and fair view of the state of the Group's affairs as at 31 March 2013 and of its profit for the year then ended;
  • have been properly prepared in accordance with IFRSs as adopted by the European Union; and
  • have been properly prepared in accordance with the requirements of The Companies (Guernsey) Law, 2008.

Matters on which we are required to report by exception

We have nothing to report in respect of the following matters where The Companies (Guernsey) Law, 2008 requires us to report to you if, in our opinion:

  • adequate accounting records have not been kept by the Group; or
  • the Group's Financial Statements are not in agreement with the accounting records; or
  • we have not received all the information and explanations we require for our audit.

Under the listing rules we are required to review:

• the part of the Corporate Govenance Statement relating to the Company's compliance with the nine provisions of the UK Corporate Governance Code specified for our review.

Other matters

We have also reviewed:

  • the directors' statement, contained within the Governance Report, in relation to going concern; and
  • certain elements of the report to shareholders by the Board on directors' remuneration.

We have reported separately on the Parent Company Financial Statements of Assura Group Limited for the year ended 31 March 2013.

Alan Fendall

Senior Statutory Auditor

For and on behalf of Deloitte LLP, Chartered Accountants and Recognised Auditor Manchester 19 July 2013

CONSOLIDATED INCOME STATEMENT

for the year ended 31 March 2013

Underlying 2013
Capital
and
other
Total Underlying 2012
Capital
and
other
Total
Note £m £m £m £m £m £m
Continuing operations
Gross rental and related income 4 37.1 - 37.1 34.1 - 34. 1
Property operating expenses 5 (3.4) - (3.4) (3.2) - (3.2)
Net rental income 33.7 - 33.7 30.9 - 30.9
Administrative expenses
Revaluation gains 6 (4.9) - (4.9) (4.5) - (4.5)
14 - 6.0 6.0 - 1.5 1.5
(Loss)/gain on sale of property
Share of profits of associates and
- (0.1) (0.1) - 0.1 0. 1
joint ventures 15 0.4 - 0.4 0.6 3.0 3.6
Share-based payment charge 27 - (0.6) (0.6) - - -
Exceptional items 9 - - - - (20.3) (20.3)
Finance revenue 7 1.5 - 1.5 1.3 - 1.3
Finance costs 8 (20.5) - (20.5) (21.2) - (21.2)
Loss on derivative financial
instruments 8 - (1.2) (1.2) - (54.7) (54.7)
Profit/(loss) before taxation 10.2 4.1 14.3 7.1 (70.4) (63.3)
Taxation 10 (0.2) 1.0
Profit/(loss) for the year from
continuing operations
14.1 (62.3)
Discontinued operations
Profit for the year from
discontinued operations
Profit/(loss) for the year
31 - 1.6
14.1 (60.7)
attributable to equity holders
of the parent
Earnings/(loss) per share
From underlying profit
11 1.9p 1.5p
11 2.7p (13.5)p
From continuing operations –
basic and diluted
From continuing operations –
adjusted (EPRA) basic and diluted
11 3.1p 2.5p
On profit/(loss) for year –
basic and diluted
On profit/(loss) for year –
11 2.7p (13.2)p

CONSOLIDATED BALANCE SHEET

as at 31 March 2013

2013 2012
Note £m £m
Non-current assets
Investment property 14 557.3 537.8
LIFT investments and associates 15 11.2 10.5
Property, plant and equipment 16 0.1 0.2
Deferred tax asset 29 1.1 1.3
569.7 549.8
Current assets
Cash, cash equivalents and restricted cash 17 35.7 21.4
Trade and other receivables 18 9.6 13.8
Property assets held for sale 14 12.0 11.4
57.3 46.6
Total assets 627.0 596.4
Current liabilities
Trade and other payables 19 14.3 13.0
Borrowings 22 3.9 6.9
Derivative financial instruments at fair value 23 - 0.2
Deferred revenue 20 8.2 7.8
Provisions 21 0.1 0.1
26.5 28.0
Non-current liabilities
Borrowings 22 388.2 368.7
Obligations due under finance leases 19 3.1 3.1
Derivative financial instruments at fair value 23 3.6 2.3
Deferred revenue 20 6.6 5.5
Provisions 21 0.9 0.9
402.4 380.5
Total liabilities 428.9 408.5
Net assets 198.1 187.9
Capital and reserves
Share capital 24 53.0 53.0
Own shares held 24 (1.9) (1.9)
Share premium 77.1 77.1
Reserves 69.9 59.7
Total equity 198.1 187.9
Basic and diluted net asset value per Ordinary Share 12 37.4p 35.5p
Adjusted basic and diluted net asset value per Ordinary Share 12 38.6p 36.3p

The Financial Statements were approved at a meeting of the Board of Directors held on 19 July 2013 and signed on its behalf by:

Graham Roberts Jonathan Murphy Chief Executive Finance Director

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY

for the year ended 31 March 2013

Share Own
capital shares
held
premium Share Distributable Revaluation
reserve
reserve earnings Retained Reserves Total
equity
£m £m £m £m £m £m £m £m
1 April 2011 41.2 (2.0) 55.4 210.6 3.9 (89.0) 125.5 220.1
Loss attributable
to equity holders
- - - - - (60.7) (60.7) (60.7)
Total comprehensive
income
- - - - - (60.7) (60.7) (60.7)
Dividend (note 25) - - - (5.1) - - (5.1) (5.1)
Issue of
Ordinary Shares
11.8 - 23.5 - - - - 35.3
Issue costs - - (1.8) - - - - (1.8)
Sale of own
shares held
- 0.1 - - - - - 0.1
31 March 2012 53.0 (1.9) 77.1 205.5 3.9 (149.7) 59.7 187.9
Profit attributable
to equity holders
- - - - - 14.1 14.1 14.1
Total comprehensive
income
- - - - - 14.1 14.1 14.1
Transfer/realisation
of reserves (note 26)
Dividend (note 25)
-
-
-
-
-
-
(205.5)
-
(3.9)
-
209.4
(4.5)
-
(4.5)
-
(4.5)
Cost of employee
share-based incentives
31 March 2013
-
53.0
-
(1.9)
-
77.1
-
-
-
-
0.6
69.9
0.6
69.9
0.6
198.1
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY

CONSOLIDATED CASH FLOW STATEMENT

for the year ended 31 March 2013

2013 2012
Note £m £m
Operating activities
Rent received 37.7 36.8
Interest paid and similar charges (20.6) (20.0)
Fees received 0.8 0.8
LIFT and bank interest received 1.5 1.6
Cash paid to suppliers and employees (6.5) (10.8)
Acquisition costs - (0.3)
LIFT fees received - 2.0
Revenue from pharmacies - 10.2
Purchases by pharmacies - (6.9)
Net cash inflow from operating activities 28 12.9 13.4
Investing activities
Purchase of investment property (3.6) (5.1)
Development spend (18.1) (18.9)
Proceeds from sale of property 8.4 2.6
Proceeds from sale of businesses 3.6 22.3
Investment in property, plant and equipment - (0.3)
Proceeds from sale of other fixed assets - 0.5
Net loans advanced to associated companies (0.3) (0.5)
Loans advanced to joint ventures - (0.1)
Subsidiaries acquired 30 - (0.5)
Net cash outflow from investing activities (10.0) -
Financing activities
Issue of Ordinary Shares - 35.3
Issue costs paid on issuance of Ordinary Shares - (1.8)
Own shares sold - 0.1
Dividends paid (4.5) (5.1)
Repayment of loan (7.0) (146.1)
Long-term loans and bond drawdown 23.2 159.0
Swap cash settlement
Loan issue costs
(0.1) (69.5)
(0.2) (2.8)
Net cash inflow/(outflow) from financing activities 11.4 (30.9)
Increase/(decrease) in cash and cash equivalents 14.3 (17.5)
Opening cash and cash equivalents 21.4 38.9
Closing cash and cash equivalents 17 35.7 21.4

for the year ended 31 March 2013

1. CORPORATE INFORMATION AND OPERATIONS

Assura Group Limited ("Assura") was incorporated in Guernsey as a closed-ended investment company with its investment objective to achieve capital growth and rising rental income from the ownership and development of a diversified portfolio of primary care properties.

The Company's Ordinary Shares are traded on the London Stock Exchange. The Company is domiciled in England & Wales for taxation purposes. As of 1 April 2013, the Company has elected to be treated as a UK REIT. See note 10 for further details.

2. SIGNIFICANT ACCOUNTING POLICIES

Basis of preparation

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 70OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION The consolidated Financial Statements have been prepared on a historical cost basis, except for investment properties, including investment properties under construction and land, and derivative financial instruments. The Financial Statements have also been prepared in accordance with IFRS and interpretations adopted by the European Union and in accordance with The Companies (Guernsey) Law, 2008.

Standards affecting the Financial Statements

The following standards and amendments became effective for the Company in the year ended 31 March 2013. The pronouncements either had no material impact on the Financial Statements or resulted in changes in presentation and disclosure only:

  • Amendments to IFRS 7 Financial Instruments: Disclosures Transfer of Financial Assets; effective for periods beginning on or after 1 July 2011.
  • Amendments to IAS 12 Deferred Tax Recovery of Underlying Assets; effective for periods beginning on or after 1 January 2012.

Standards in issue not yet effective

The following standards and amendments are in issue as at the date of the approval of these Financial Statements, but are not yet effective for the Company. The Directors do not expect that the adoption of the standards listed below will have a material impact on the Financial Statements of the Company in future periods.

  • IAS 27 Separate Financial Statements; effective for periods beginning on or after 1 January 2013.
  • IAS 28 Investments in Associates and Joint Ventures; effective for periods beginning on or after 1 January 2013.
  • IFRS 9 Financial Instruments; effective for periods beginning on or after 1 January 2015.
  • IFRS 10 Consolidated Financial Statements; effective for periods beginning on or after 1 January 2013.
  • IFRS 11 Joint Arrangements; effective for periods beginning on or after 1 January 2013.
  • IFRS 12 Disclosure of Interests in Other Entities; effective for periods beginning on or after 1 January 2013.
  • IFRS 13 Fair Value Measurement; effective for periods beginning on or after 1 January 2013.
  • Amendments to IAS 1 Presentation of Financial Statements Presentation of Items of Other Comprehensive Income; effective for periods beginning on or after 1 July 2012.
  • Amendments to IFRS 7 Financial Instruments: Disclosures Offsetting Financial Assets and Financial Liabilities; effective for periods beginning on or after 1 January 2013.
  • Amendments to IAS 32 Financial Instruments: Presentation Offsetting Financial Assets and Financial Liabilities; effective for periods beginning on or after 1 January 2014.

The Financial Statements are prepared on a going concern basis as explained in the Directors' Report on page 37 and are presented in sterling.

The accounting policies have been applied consistently to the results, other gains and losses, liabilities and cash flows of entities included in the consolidated Financial Statements. All intragroup balances, transactions, income and expenses are eliminated on consolidation.

for the year ended 31 March 2013 (continued)

2. SIGNIFICANT ACCOUNTING POLICIES (continued)

Significant judgments and key estimates

The preparation of the Financial Statements requires management to make judgments, estimates and assumptions that may affect the application of accounting policies and the reported amounts of assets, liabilities, income and expenses.

Property valuations

The key source of estimation and uncertainty relates to the valuation of the property portfolio, where a valuation is obtained twice a year by professionally qualified external valuers. The evidence to support these valuations is primarily based on recent, comparable market transactions on an arms-length basis. However, the assumptions applied are inherently subjective and so are subject to a degree of uncertainty. Property valuations are one of the principal uncertainties of the Group.

Accounting for LIFT investments and associates

Accounting for LIFT investments and associates requires an assessment of the degree of management influence and control that is exercised over the entities. Investments in the LIFT companies are governed by complex shareholder agreements that effectively prevent the Group from exercising control irrespective of the level of shareholding. As a result these are accounted for on the equity basis, which incorporates the Group's share of the net assets of the entities.

Basis of consolidation

Subsidiaries

Subsidiaries are fully consolidated from the date of acquisition, being the date on which the Group obtains control, and continue to be consolidated until the date that such control ceases. Control comprises the power to govern the financial and operating policies of the investee so as to obtain benefit from its activities.

LIFT investments and associates

LIFT investments and associates are accounted for under the equity method, whereby the consolidated balance sheet incorporates the Group's share of the net assets of the entities. The income statement incorporates the Group's share of LIFT investment and associates profits after tax.

Interests in LIFT investments and associates include long term loans receivable, which are held at amortised cost less provision for any impairment.

Property portfolio

Properties are externally valued on an open market basis as at the balance sheet date and are recorded at valuation.

Any surplus or deficit arising on revaluing investment properties and investment property under construction ("IPUC") is recognised in the income statement.

All costs associated with the purchase and construction of IPUC are capitalised including attributable interest. Interest is calculated on the expenditure by reference to specific borrowings where relevant and otherwise on the average rate applicable to short-term loans. When IPUC are completed, they are classified as investment properties.

In determining whether leases and related properties represent operating or finance leases, consideration is given to whether the tenant or landlord bears the risks and rewards of ownership.

Leasehold properties that are leased out to tenants under operating leases are classified as investment properties or development properties, as appropriate, and included in the balance sheet at fair value.

Where an investment property is held under a head lease it is initially recognised as an asset as the sum of the premium paid on acquisition and the present value of minimum ground rent payments. The corresponding rent liability to the head leaseholder is included in the balance sheet as a finance lease obligation.

The market value of investment property as estimated by an external valuer is increased for the unamortised pharmacy lease premium held at the balance sheet date.

for the year ended 31 March 2013 (continued)

2. SIGNIFICANT ACCOUNTING POLICIES (continued)

Net rental income

Rental income is recognised on an accruals basis and recognised on a straight line basis over the lease term. A rent adjustment based on open market estimated rental value is recognised from the rent review date in relation to unsettled rent reviews. Pharmacy lease premiums received from tenants are spread over the lease term, even if the receipts are not received on such a basis. The lease term is the non-cancellable period of the lease.

Property operating expenses are expensed as incurred and property operating expenditure not recovered from tenants through service charges is charged to the income statement.

Gains on sale of properties

Gains on sale of properties are recognised on the completion of contract, and are calculated by reference to the carrying value at the end of the previous reporting period, adjusted for subsequent capital expenditure.

Financial assets and liabilities

Trade receivables and payables are initially recognised at fair value and subsequently measured at amortised cost and discounted as appropriate.

Other investments are shown at amortised cost and held as loans and receivables. Loans and receivables are measured at amortised cost using the effective interest method, less any impairment. Interest income is recognised by applying the effective interest rate.

Debt instruments are stated at their net proceeds on issue. Finance charges including premiums payable on settlement or redemption and direct issue costs are spread over the period to redemption at a constant rate on the carrying amount of the liability.

Financial Instruments

Where the Group uses derivative financial instruments, in the form of interest rate swaps, to hedge its risks associated with interest rate fluctuations they are initially recognised at fair value on the date a derivative contract is entered into and are subsequently re-measured at their fair value by reference to market values for similar instruments. The resulting gains or losses are recognised through the income statement.

Cash equivalents are limited to instruments with a maturity of less than three months.

Tax

Current tax is based on taxable profit for the year and is calculated using tax rates that have been enacted or substantively enacted. Taxable profit differs from net profit as reported in the income statement because it excludes items of income or expense that are not taxable (or tax deductible).

Deferred tax is provided on items that may become taxable at a later date, on the difference between the balance sheet value and tax base value, on an undiscounted basis.

Income statement definitions

Underlying profit represents adjusted EPRA earnings, with further company adjustments to exclude items such as property revaluations and share-based payment charges. These adjustments have been made on the basis they are non-cash fair value adjustments, which are not reflective of the underlying performance of the business.

Capital and other represents all other statutory income statement items that are not considered underlying.

Employee costs

Defined contribution pension plans

Obligations for contributions to defined contribution pension plans are charged to the income statement as incurred.

Share-based employee remuneration

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 72OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION Share-based employee remuneration is determined with reference to the fair value of the equity instruments at the date at which they are granted and charged to the income statement over the vesting period on a straight line basis. The fair value of share options is calculated using the Black Scholes option pricing model or the Monte Carlo Model and is dependent on factors including the exercise price, expected volatility, option life and risk-free interest rate. IFRS 2 Share-based Payment has been applied to share options granted.

for the year ended 31 March 2013 (continued)

3. SEGMENTAL INFORMATION

The Group's operating segments are Core, LIFT and Non-Core, and are all located in the UK.

The Core segment invests in, manages and develops primary care premises.

LIFT companies develop and invest in medical centres in partnership between the public and private sectors. The Group's investments in LIFT companies are held through associated companies which have financial investments in the underlying LIFT companies. In addition to equity accounted profits, interest is receivable on loans made to the LIFT companies.

The Non-Core segment actively manages the assets to realise maximum value through both income and capital receipts from sales.

The discontinued segment in 2012 includes the results of the Pharmacy and LIFT consultancy divisions and the formerly equity accounted interest in Virgin Healthcare Holdings Limited.

The following table presents revenue, profit and certain assets and liability information regarding the Group's business segments:

Year ended 31 March 2013

Core LIFT Non-Core Total continuing
£m £m £m £m
Gross rental income 34.0 - 2.3 36.3
Other related income 0.8 - - 0.8
Property operating expenses (2.7) - (0.7) (3.4)
Net rental income 32.1 - 1.6 33.7
Administration costs (4.9) - - (4.9)
Share of profits of associates and joint ventures - 0.4 - 0.4
Underlying operating profit 27.2 0.4 1.6 29.2
Net finance (cost)/revenue (19.1) 1.0 (0.9) (19.0)
Underlying profit 8.1 1.4 0.7 10.2
Revaluation gains 5.4 - 0.6 6.0
Loss on sale of property - - (0.1) (0.1)
Share based payment charge (0.6) - - (0.6)
Segment result 12.9 1.4 1.2 15.5
Revaluation of derivative financial instruments (1.2)
Taxation (0.2)
Profit for the year 14.1

for the year ended 31 March 2013 (continued)

3. SEGMENTAL INFORMATION (continued)

Year ended 31 March 2012

Core LIFT Non-Core Continuing Discontinued Total
£m £m £m £m £m £m
Gross rental income 30.9 - 2.5 33.4 - 33.4
Other related income 0.7 - - 0.7 12.1 12.8
Property operating expenses (2.0) - (1.2) (3.2) - (3.2)
Other cost of sales - - - - (7.4) (7.4)
Net rental income 29.6 - 1.3 30.9 4.7 35.6
Administration costs (4.5) - - (4.5) (3.5) (8.0)
Share of profits/(losses)
of associates and joint ventures - 0.7 (0.1) 0.6 (3.1) (2.5)
Underlying operating profit 25.1 0.7 1.2 27.0 (1.9) 25.1
Net finance (cost)/revenue (19.8) 0.9 (1.0) (19.9) - (19.9)
Underlying profit 5.3 1.6 0.2 7.1 (1.9) 5.2
Revaluation gains/(losses) 8.5 - (7.0) 1.5 - 1.5
Gain on sale of property - - 0.1 0.1 - 0.1
Release of provision
against associates
- 3.1 - 3.1 - 3.1
Revaluation of derivative
in associates - (0.1) - (0.1) - (0.1)
Exceptional items (note 9) (20.3) - - (20.3) 3.1 (17.2)
Segmental result (6.5) 4.6 (6.7) (8.6) 1.2 (7.4)
Revaluation of derivative
financial instruments
(54.7) - (54.7)
Taxation 1.0 0.4 1.4
(Loss)/profit for the year (62.3) 1.6 (60.7)

for the year ended 31 March 2013 (continued)

3. SEGMENTAL INFORMATION (continued)

Assets and liabilities at 31 March 2013

Core LIFT Non-Core Total
£m £m £m £m
Segment assets
Property assets 546.7 - 22.6 569.3
LIFT investments and associates - 11.2 - 11.2
Current assets 45.1 - 0.3 45.4
Segment assets 591.8 11.2 22.9 625.9
Deferred tax asset 1.1
Total assets 627.0
Segment liabilities
Current liabilities (26.3) - (0.2) (26.5)
Derivative financial instruments (3.6)
Non-current liabilities (398.8)
Total liabilities (428.9)
Other segmental information
Capital expenditure:
Property, plant and equipment 0.1 - - 0.1
Depreciation 0.1 - - 0.1

Assets and liabilities at 31 March 2012

Core LIFT Non-Core Total
£m £m £m £m
Segment assets
Property assets 520.8 - 28.4 549.2
LIFT investments and associates - 10.5 - 10.5
Current assets 34.4 - 1.0 35.4
Segment assets 555.2 10.5 29.4 595.1
Deferred tax asset 1.3
Total assets 596.4
Segment liabilities
Current liabilities (29.0) - (4.3) (33.3)
Derivative financial instruments (2.5)
Non-current liabilities (372.7)
Total liabilities (408.5)
Other segmental information
Depreciation 0.1 - - 0.1

for the year ended 31 March 2013 (continued)

4. REVENUE

2013 2012
Total Continuing
operations
Discontinued
operations
Total
£m £m £m £m
Rental revenue – core 34.0 30.9 - 30.9
Rental revenue – non-core 2.3 2.5 - 2.5
Pharmacy sales - - 10.0 10.0
LIFT consultancy fees - - 2.1 2.1
Other related income 0.8 0.7 - 0.7
Gross rental and related income 37.1 34.1 12.1 46.2
LIFT interest 1.0 0.9 - 0.9
Bank and other interest 0.5 0.4 - 0.4
1.5 1.3 - 1.3
Total revenue 38.6 35.4 12.1 47.5
5. PROPERTY OPERATING EXPENSES
2013 2012
Total Continuing
operations
Discontinued
operations
Total
£m £m £m £m
Property expenses arising
• from core portfolio 2.7 2.0 - 2.0
• from non-core portfolio 0.7 1.2 - 1.2
Purchases by pharmacies - - 6.9 6.9
LIFT consultancy costs - - 0.5 0.5
3.4 3.2 7.4 10.6

5. PROPERTY OPERATING EXPENSES

2013
Total
Continuing
operations
2012
Discontinued
operations
Total
£m £m £m £m
Property expenses arising
• from core portfolio 2.7 2.0 - 2.0
• from non-core portfolio 0.7 1.2 - 1.2
Purchases by pharmacies - - 6.9 6.9
LIFT consultancy costs - - 0.5 0.5
3.4 3.2 7.4 10.6

for the year ended 31 March 2013 (continued)

6. ADMINISTRATIVE EXPENSES

2013 2012
Total Continuing
operations
Discontinued
operations
Total
£m £m £m £m
Wages and salaries 1.5 1.0 2.3 3.3
Social security costs 0.3 0.2 0.2 0.4
1.8 1.2 2.5 3.7
Auditor's remuneration (note 6(a)) 0.4 0.3 - 0.3
Directors' fees (see page 61) 0.9 0.8 - 0.8
Other admin expenses 1.7 2.1 0.9 3.0
Depreciation 0.1 0.1 0.1 0.2
4.9 4.5 3.5 8.0
a) Auditor's remuneration
Group audit including interim 0.1 0.1 - 0.1
Statutory audit 0.1 0.1 - 0.1
Total audit fees 0.2 0.2 - 0.2
Tax services – advisory 0.2 0.1 - 0.1
0.4 0.3 - 0.3

The Group's policy on non-audit fees is discussed in detail in the Audit Committee Report on pages 41 to 43.

The average monthly number of employees during the year was made up as follows:

Number Number Number Number
Property 28 28 - 28
Pharmacy - - 77 77
LIFT consultancy - - 16 16
28 28 93 121

Key management are the Executive Directors and other key management personnel.

2013 2012
£m £m
Key management staff
Salaries, pension, holiday pay, payments in lieu
of notice and bonus
1.4 0.9
Post-employment benefits - 0.1
Cost of employee share-based incentives 0.6 -
Social security costs 0.2 0.1
2.2 1.1

In the prior year, there was also an additional £0.2 million of salaries, pension, holiday pay, payments in lieu of notice and bonus related to discontinued operations.

for the year ended 31 March 2013 (continued)

7. FINANCE REVENUE

2013 2012
£m £m
LIFT interest 1.0 0.9
Bank and other interest 0.5 0.4
1.5 1.3

8. FINANCE COSTS

2013 2012
£m £m
Interest payable 20.4 21.9
Interest capitalised on developments (0.4) (1.0)
Amortisation of loan issue costs 0.5 0.3
20.5 21.2
Change in fair value of interest rate swaps 1.2 54.7
21.7 75.9

9. EXCEPTIONAL ITEMS – YEAR TO 31 MARCH 2012

2013
£m
LIFT interest
1.0
Bank and other interest
0.5
1.5
2013
£m
20.4
(0.4)
0.5
2012
£m
0.9
0.4
1.3
2012
£m
8. FINANCE COSTS
Interest payable
Interest capitalised on developments
Amortisation of loan issue costs
21.9
(1.0)
0.3
20.5 21.2
Change in fair value of interest rate swaps
1.2
54.7
21.7 75.9
2012
Continuing
Discontinued
operations
operations
Total
Note
£m
£m
£m
(20.0)
-
(20.0)
Goodwill impairment
Surplus on disposal of
pharmacy business
31
-
3.4
3.4
Loss on disposal of LIFT
consultancy business
31
-
(0.3)
Acquisition costs
(0.3)
-
(0.3)
(0.3)

Goodwill impairment

for the year ended 31 March 2013 (continued)

10. TAXATION

Consolidated income tax

2013 2012
£m £m
Current tax
Current income tax charge - -
Deferred tax
Relating to origination and reversal of temporary differences 0.2 (1.0)
Income tax charge/(credit) reported in consolidated income statement 0.2 (1.0)

The differences from the standard rate of tax applied to the profit/(loss) before tax may be analysed as follows:

2013 2012
£m £m
Profit/(loss) from continuing operations before taxation 14.3 (63.3)
Profit from discontinued operations before taxation - 1.2
Net profit/(loss) before taxation 14.3 (62.1)
UK income tax at rate of 24% (2012: 26%)
Effects of:
3.4 (16.1)
Capital losses - (26.8)
Non-taxable income (0.9) (1.4)
Expenses not deductible for tax purposes - 5.7
Utilisation of losses brought forward (1.3) (0.7)
Gain on disposal of investments/assets - (0.9)
Movement in unrecognised deferred tax (1.0) 38.9
Adjustment in respect of prior years - 0.3
0.2 (1.0)

The Group elected to be treated as a UK REIT with effect from 1 April 2013. The UK REIT rules exempt the profits of the Group's property rental business from corporation tax. Gains on properties are also exempt from tax, provided they are not held for trading or sold in the three years post completion of development. The Group will otherwise be subject to corporation tax at 23% (2013:24%).

As a REIT, the Group is required to pay Property Income Distributions equal to at least 90% of the Group's exempted net income. To remain as a UK REIT there are a number of conditions to be met in respect of the principal company of the Group, the Group's qualifying activities and the balance of business.

In his Budget of 20 March 2013, the Chancellor of the Exchequer announced a reduction of the corporation tax rate to 23% from 1 April 2013. Further changes, which are expected to be enacted separately each year, propose to reduce the tax rate to 21% on 1 April 2014 and 20% on 1 April 2015. Neither the 21% rate nor the 20% rate were substantively enacted at the year end and are therefore not reflected in the Financial Statements.

Based on a closing deferred tax asset of £1.1 million at the balance sheet date, the proposed reduction to 20% would reduce the deferred tax asset by £0.1 million.

for the year ended 31 March 2013 (continued)

11. EARNINGS/(LOSS) PER ORDINARY SHARE

Basic &
Adjusted (EPRA)
Basic &
diluted EPS per
basic & diluted
diluted EPS per
basic & diluted
ordinary share
EPS per ordinary
ordinary share
EPS per ordinary
from continuing
share from
from continuing
share from
operations
continuing
operations
continuing
operations
operations
£m
£m
£m
£m
14.1
14.1
(62.3)
(62.3)
-
20.0
Parent
1.2
54.7
Associates
0.7
0.1
0.2
(1.0)
16.2
11.5
529,548,924
529,548,924
462,801,601
462,801,601
2.7p
3.1p
(13.5)p
-
-
0.3p
2.7p
3.1p
(13.2)p
2013 2012
Adjusted (EPRA)
financial instrument of:
Earnings/(loss) per
Earnings/(loss) per
ordinary share
Underlying profit per share of 1.9 pence (2012: 1.5 pence) has been calculated as underlying profit for the year
as presented on the income statement of £10.2 million (2012: £7.1 million) divided by the weighted average
number of shares in issue of 529,548,924 (2012: 462,801,601).
Share options schemes in operation were not considered dilutive as at the balance sheet date based on
calculations completed in accordance with IAS 33 Earnings per share.
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY
Profit/(loss) attributable to
equity holders of the parent
Goodwill impairment
Revaluation of derivative
Deferred tax
Adjusted (EPRA) earnings
Weighted average
number of shares in issue –
basic and diluted
ordinary share from
continuing operations
2.5p
Earnings per ordinary share
from discontinued operations
0.3p
2.8p

for the year ended 31 March 2013 (continued)

12. NET ASSET VALUE PER ORDINARY SHARE

2013 2012
Basic & diluted
Adjusted basic &
NAV per
diluted NAV per
ordinary share
ordinary share
Basic &
NAV per
ordinary share
Adjusted basic &
diluted NAV per
ordinary share
£m £m £m £m
Net assets 198.1 198.1 187.9 187.9
Own shares held 1.9 1.9
Derivative financial
instruments of:
Parent 3.6 2.5
Associates 1.9 1.2
Deferred tax (1.1) (1.3)
NAV in accordance with EPRA 204.4 192.2
Number of shares in issue 529,548,924 529,548,924 529,548,924 529,548,924
Net asset value per share 37.4p 38.6p 35.5p 36.3p
2013 2012
Adjusted basic &
diluted NAV per
ordinary share
Adjusted basic &
diluted NAV per
ordinary share
£m £m
EPRA NAV 204.4 192.2
Mark to market of
derivative financial
instrument
(5.5) (3.7)
Mark to market of fixed
rate debt
(48.2) (29.6)
EPRA NNNAV 150.7 158.9
EPRA NNNAV per share 28.5p 30.0p

The EPRA measures set out above are in accordance with the guidance of the European Property Real Estate Association dated August 2011.

13. INVESTMENTS IN SUBSIDIARIES

A table listing all the principal subsidiaries of Assura Group Limited is below:

Name of subsidiary Place of incorporation Share-holding Business activity
Assura Properties plc England 100% Property Investment
Assura Properties UK Limited England 100% Property Investment
Assura Medical Centres Limited England 100% Property Investment
Assura Health Investments Limited England 100% Property Investment
Medical Properties Limited England 100% Property Investment

for the year ended 31 March 2013 (continued)

14. PROPERTY ASSETS

Investment property and investment property under construction (IPUC)

Jones Lang LaSalle as at 31 March 2013. The properties have been valued individually and on the basis of open
market value in accordance with RICS valuation – Professional Standards 2012 (the "Red Book").
Initial yields mainly range from 5.70% to 6.00% (2012: 5.75% and 6.25%) for prime units. For properties with weaker
tenants and poorer units, the yields range between 6.50% and 17.00% (2012: 6.25% and 16.00%). The higher yields
are in the non-core portfolio.
A 0.25% shift of valuation yield would have approximately a £21.2 million (2012: £20.5 million) impact on the
investment property valuation.
2013 2012
Investment IPUC Total Investment IPUC Total
£m £m £m £m £m £m
Opening fair value
Additions:
526.3 8.4 534.7 463.8 35.0 498.8
• directly acquired 2.8 - 2.8 4.6 - 4.6
• business combination - - - 4.5 - 4.5
• improvements 0.8 - 0.8 0.5 - 0.5
3.6 - 3.6 9.6 - 9.6
Development costs - 18.6 18.6 - 18.8 18.8
Transfers 15.6 (15.6) - 45.9 (45.9) -
Transfer from land & buildings
(note 16)
Transfer (to)/from assets held
- - - 9.2 - 9.2
for sale - (0.6) (0.6) 0.6 (2.2) (1.6)
Capitalised interest - 0.4 0.4 - 1.0 1.0
Disposals (8.1) (0.4) (8.5) (2.1) (0.5) (2.6)
Unrealised surplus/(deficit)
on revaluation 2.5 3.5 6.0 (0.7) 2.2 1.5
Closing market value 539.9 14.3 554.2 526.3 8.4 534.7
Add finance lease obligations
recognised separately
3.1 - 3.1 3.1 - 3.1
Closing fair value of
investment property
Investment property occupied by the Pharmacy business prior to disposal in July 2011 were classified
as land and buildings.
543.0 14.3 557.3 529.4 8.4 537.8

for the year ended 31 March 2013 (continued)

14. PROPERTY ASSETS (continued)

2013 2012
Core Non-Core Total Core Non-Core Total
£m £m £m £m £m £m
Market value of investment
property as estimated by valuer
523.6 9.3 532.9 505.7 14.9 520.6
Add IPUC 14.3 - 14.3 8.4 - 8.4
Add pharmacy lease premiums 7.0 - 7.0 5.7 - 5.7
Add finance lease
obligations recognised separately
1.0 2.1 3.1 1.0 2.1 3.1
Fair value for financial
reporting purposes
545.9 11.4 557.3 520.8 17.0 537.8
Investment property held for sale 0.8 1.3 2.1 - - -
Vacant property held for sale - 0.2 0.2 - 2.3 2.3
Land held for sale - 9.7 9.7 - 9.1 9.1
Total property assets held for sale 0.8 11.2 12.0 - 11.4 11.4
Total property assets 546.7 22.6 569.3 520.8 28.4 549.2

1 core and 3 non-core property investments and 10 land sites are held as available for sale (2012: 13 non-core property investments and 10 land sites).

15. LIFT INVESTMENTS AND JOINT VENTURES

The Group has the following investments in associated entities under the LIFT initiative:

Name of Associate % held Investment
GBConsortium 1 Limited 35% Holds 60% of the share capital in the Barnet, Enfield and
Haringey, and Liverpool and Sefton LIFT companies
GBConsortium 2 Limited 39% Holds 60% of the share capital in the Coventry
LIFT Company
GB Primary Care Limited 67% Holds 60% of the share capital in the South East Essex
LIFT Company
GB Primary Care (SWH) Limited 71% Holds 60% of the share capital in the South West
Hampshire LIFT Company
Infracare (Midlands) Limited 43% Holds 60% of the share capital in the Dudley South
LIFT Company
Merseycare Development
Company 1 Limited
39% Holds 49% of the share capital in the Merseyside
LIFT Company

Infracare (Midlands) Limited has a financial year ended 30 September, all others are 31 March. All of these companies are incorporated in England. Despite in some cases owning levels exceeding 50% these companies are treated as associate entities rather than subsidiaries due to certain restrictions on exercising control in the shareholder agreement. All transfers of funds and distributions from the associated LIFT companies, including non-scheduled loan repayments and dividends, require approval by all shareholders.

In addition, the Group holds an investment in Virgin Healthcare Holdings Limited made up of a 6% equity holding (book value £nil) and a £4 million loan note receivable (book value £nil).

for the year ended 31 March 2013 (continued)

15. LIFT INVESTMENTS AND JOINT VENTURES (continued)

2013
Group share
2012
Group share
£m £m
Equity in LIFT companies:
Financial investments in medical centres 84.1 79.4
Current assets 7.9 7.2
Share of gross assets 92.0 86.6
Current liabilities (5.4) (5.6)
Non-current liabilities (84.4) (79.2)
Share of gross liabilities (89.8) (84.8)
Share of net assets of LIFT companies 2.2 1.8
LIFT loan stock 9.0 8.7
Total LIFT interests 11.2 10.5
Loan receivable from Virgin Healthcare Holdings Limited - -
Carrying amount of associates 11.2 10.5
2013
Group share
2012
Group share
£m £m
Equity in LIFT companies:
Financial investments in medical centres 84.1 79.4
Current assets 7.9 7.2
Share of gross assets 92.0 86.6
Current liabilities (5.4) (5.6)
Non-current liabilities (84.4) (79.2)
Share of gross liabilities (89.8) (84.8)
Share of net assets of LIFT companies 2.2 1.8
LIFT loan stock 9.0 8.7
Total LIFT interests 11.2 10.5
Loan receivable from Virgin Healthcare Holdings Limited - -
Carrying amount of associates 11.2 10.5
2013 2012
Total Continuing
operations
Discontinued
operations
Total
£m £m £m
£m
1.1 0.7 - 0.7
The Group's share of the gross revenue of associates was £13.3 million (2012: £18.1 million).
Associates:
Share of profits of associated LIFT companies
Release of provision against associates
Unrealised loss on revaluation of derivative
- 3.1 - 3.1
financial instrument of associated
LIFT companies
Virgin Healthcare Holdings Limited
(0.7)
-
(0.1)
-
-
(3.1)
(0.1)
(3.1)
Share of post-tax profits/(losses)
of associates
0.4 3.7 (3.1) 0.6
Joint ventures:
- (0.1) - (0.1)
AH Scarborough Health Park Limited
Share of post-tax losses/of joint ventures
- (0.1) - (0.1)

for the year ended 31 March 2013 (continued)

15. LIFT INVESTMENTS AND JOINT VENTURES (continued)

The movement on investments in associates during the year was as follows:

2013
Group
2012
Group
£m £m
Opening balance 10.5 9.9
Investments disposed of in year - (0.5)
Net loans advanced 0.3 0.5
Share of profits of continuing associates (before derivative movements) 1.1 0.7
Share of losses of discontinued activities - (3.1)
Release of provision against associates - 3.1
Share of derivative movements in continuing associates (0.7) (0.1)
Closing balance 11.2 10.5

Joint ventures

The Group had a 50% interest in a joint venture during the year, AH Scarborough Health Park Limited ("AHSHPL"), a property investment company incorporated in England, which it sold in April 2012 for £1. The joint venture was carried in the balance sheet at nil value and no profit or loss arose on the disposal.

for the year ended 31 March 2013 (continued)

16. PROPERTY, PLANT AND EQUIPMENT

2013
Land and
buildings
Computer and
other equipment
Fixtures, fittings
and furniture
Total
£m £m £m £m
Cost or valuation:
At 1 April - 0.4 0.1 0.5
Additions at cost - 0.1 - 0.1
Disposal - (0.1) - (0.1)
At 31 March - 0.4 0.1 0.5
Depreciation:
At 1 April - 0.3 - 0.3
Depreciation for the year - - 0.1 0.1
At 31 March - 0.3 0.1 0.4
Net book value at 31 March 2013 - 0.1 - 0.1
Land and
buildings
2013
Computer and
other equipment
Fixtures, fittings
and furniture
Total
£m £m £m £m
- 0.4 0.1 0.5
- 0.1 - 0.1
- (0.1) - (0.1)
- 0.4 0.1 0.5
0.3
0.1
- 0.3 0.1 0.4
0.1
Total
buildings other equipment and furniture
£m £m £m £m
9.8 1.0 3.9 14.7
(9.2) - - (9.2)
- 0.1 0.3 0.4
(0.6) (0.7) (4.1) (5.4)
- 0.4 0.1 0.5
1.5
0.2
(1.4)
- 0.3 - 0.3
0.2
-
-
-
Land and
-
-
-
-
0.3
-
0.1
Computer and
0.8
0.1
(0.6)
0.1
business disposal in July 2011. They are now included as investment properties.
-
0.1
-
2012
Fixtures, fittings
0.7
0.1
(0.8)
0.1
Land and buildings comprised interests in pharmacy premises used by group companies until the pharmacy

for the year ended 31 March 2013 (continued)

17. CASH, CASH EQUIVALENTS AND RESTRICTED CASH

2013 2012
£m £m
Cash held in current account 15.6 12.2
Restricted cash 20.1 9.2
35.7 21.4

Restricted cash arises where there are interest payment guarantees, cash is ring-fenced for committed property development expenditure, which is released to pay contractors invoices directly, or under the terms of security arrangements under the Group's banking facilities or its bond.

18. TRADE AND OTHER RECEIVABLES

2013 2012
£m £m
Trade receivables 2.3 2.2
Prepayments and accrued income 1.1 1.2
Deferred consideration - 2.6
Loan note 3.0 1.0
Other debtors 0.2 0.8
6.6 7.8
Loan note due after more than 1 year 3.0 6.0
9.6 13.8

Trade and other receivables disclosed above are classified as loans and receivables and are therefore measured at amortised cost.

The loan note is an interest bearing loan of £6.0 million granted to the purchaser of the pharmacy business upon completion of the sale. Interest is charged on the loan at a rate of 6.5% and is payable quarterly. The loan is repayable in two stage payments. £3.0 million is due by 30 June 2013 with the balance to be settled on 30 June 2014.

The Group's principal customers are invoiced and pay quarterly in advance, usually on the English quarter days. Other debtors are generally on 30-60 days' terms. No bad debt provision was required (2012: £nil).

As at 31 March 2013 and 31 March 2012, the analysis of trade debtors that were past due but not impaired is as follows:

Total Neither past Past due but not impaired
due nor
impaired
> 30 days > 60 days > 90 days > 120 days
£m £m £m £m £m £m
2013 2.3 1.9 0.2 0.1 - 0.1
2012 2.2 1.9 0.1 0.1 - 0.1

The bulk of the Group's income derives from the NHS or is reimbursed by the NHS, hence the risk of default is minimal.

for the year ended 31 March 2013 (continued)

19. TRADE AND OTHER PAYABLES

2013 2012
£m £m
Trade creditors 2.4 1.8
Other creditors and accruals 11.1 10.2
VAT creditor 0.8 0.9
Payments due under finance leases - 0.1
14.3 13.0

20. DEFERRED REVENUE

2013 2012
£m £m
Arising from rental received in advance 7.8 7.5
Arising from pharmacy lease premiums received in advance 7.0 5.8
14.8 13.3
Current 8.2 7.8
Non-current 6.6 5.5
14.8 13.3

21. PROVISIONS

2013 2012
£m £m
Trade creditors 2.4 1.8
Other creditors and accruals 11.1 10.2
VAT creditor 0.8 0.9
Payments due under finance leases - 0.1
14.3 13.0
Finance lease arrangements are in respect of investment property held by the Group on leasehold property.
The amounts due after more than one year, which total £3.1 million (2012: £3.1 million), have been disclosed in
non-current liabilities on the consolidated balance sheet. The maturity of trade and other payables and the
minimum payments due under finance leases is disclosed in note 32.
The fair value of the Group's lease obligations is approximately equal to their carrying value.
20. DEFERRED REVENUE
2013 2012
£m £m
Arising from rental received in advance 7.8 7.5
Arising from pharmacy lease premiums received in advance 7.0
14.8
5.8
13.3
8.2 7.8
6.6 5.5
14.8 13.3
Current
Non-current
21. PROVISIONS
2013 2012
£m £m
At 1 April 1.0 1.3
Utilisation of provision - (0.3)
1.0 1.0
At 31 March
Analysed as:
0.1 0.1
Current
Non-current
0.9 0.9

for the year ended 31 March 2013 (continued)

22. BORROWINGS

2013 2012
£m £m
Secured bank loans
At 1 April 375.6 361.8
Amount issued or drawn down in year 23.2 159.0
Amount repaid in year (7.0) (146.1)
Acquired with acquisition of subsidiaries - 3.4
Loan issue costs (0.2) (2.8)
Amortisation of loan issue costs 0.5 0.3
At 31 March 392.1 375.6
Due within one year 3.9 6.9
Due after more than one year 388.2 368.7
At 31 March 392.1 375.6

The Group has the following bank facilities:

    1. 10 year senior secured bond for £110 million at a fixed interest rate of 4.75% maturing in December 2021. The secured bond carries a loan to value covenant of 75% (70% at the point of substitution of an investment property or cash) and an interest cover requirement of 1.15 times (1.5 times at the point of substitution).
    1. Loans from Aviva with an aggregate balance of £230.5 million at 31 March 2013 (2012: £213.1 million). The Aviva loans are partially amortised by way of quarterly instalments and partially repaid by way of bullet repayments falling due between 2021 and 2041 with a weighted average term of 14.5 years to maturity, £3.9 million is due within a year. These loans are secured by way of charges over specific medical centre investment properties with cross collateralisation between the loans and security. The loans are subject to fixed all in interest rates ranging between 4.11% and 6.66%, and a weighted average of 5.68% and do not have loan to value covenants. Debt service cover required typically ranges between 1.00 times to 1.05 times.
    1. Loans from Santander with an aggregate balance of £55.2 million at 31 March 2013 (2012: £52.4 million). This comprises a £50 million investment facility available until November 2016 and carries interest at 1.95% above LIBOR and a £10 million development facility available until November 2014 and carries interest at 2.75% above LIBOR. On practical completion of the development property, the development facility is converted and added to the investment facility. A £50 million interest rate swap at a rate of 2.575% has been taken out to hedge the interest on the existing investment facility. The loan must not exceed 75% of the value of the security, interest cover must be above 1.7 times and debt service cover must be above 1.05 times.
    1. Term loan with Royal Bank of Scotland PLC (RBS) secured on the Group's former head office building in Daresbury. The balance on this loan was £nil at 31 March 2013 (2012: £4.0 million) having been repaid in December when the property was sold. The loan carried interest at 1.2% above LIBOR and the associated SWAP was settled at the same point.

The NAB loan of £120 million was repaid in full in December 2011 along with the associated SWAP.

The Group has been in compliance with all financial covenants on all of the above loans as applicable throughout the year.

for the year ended 31 March 2013 (continued)

23. DERIVATIVE FINANCIAL INSTRUMENT AT FAIR VALUE THROUGH PROFIT OR LOSS

Interest rate swap
(RBS)
Interest rate swaps
(Santander)
Total derivative financial
instruments of the Group
£m £m £m
Liability at 1 April 2012 0.2 2.3 2.5
Movement in year (0.1) 1.3 1.2
Cash settlement (0.1) - (0.1)
Liability at 31 March 2013 - 3.6 3.6
The table above includes the net position of derivative financial instruments at the balance sheet date. These are
presented under the following captions on the Consolidated Balance Sheet:
2013 2012
£m £m
Current liabilities - 0.2
Non-current liabilities 3.6 2.3
3.6 2.5
At 31 March 2013 and 31 March 2012 and throughout the two year period the financial liabilities measured have
been determined and valued as level 2.
During the reporting years ending 31 March 2013 and 31 March 2012, there were no transfers between Level 1 and
Level 2 fair value measurements, and no transfers into and out of the Level 3 fair value measurements.
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY
2013 2012
£m £m
Current liabilities - 0.2
Non-current liabilities 3.6 2.3
3.6 2.5

Fair value hierarchy

for the year ended 31 March 2013 (continued)

24. SHARE CAPITAL

2013 2012
Number of shares £m Number of shares £m
Authorised
Ordinary Shares of 10p each 3,000,000,000 300.0 3,000,000,000 300.0
Preference Shares of 10p each 20,000,000 2.0 20,000,000 2.0
302.0 302.0
Ordinary Shares issued
and fully paid
At 1 April 529,548,924 53.0 411,871,386 41.2
Issued during the year - - 117,677,538 11.8
At 31 March 529,548,924 53.0 529,548,924 53.0
Own shares held (4,218,219) (1.9) (4,218,219) (1.9)
Total Share Capital 525,330,705 51.1 525,330,705 51.1

Own shares held comprise shares held by the Employee Benefit Trust ("EBT").

In the year to 31 March 2012, £33.5 million (net of expenses) was raised through a 2 for 7 Rights Issue of 117,677,538 new shares at 30.0 pence per share.

25. DIVIDENDS PAID ON ORDINARY SHARES

2013 2012
Payment date Pence per share Number of ordinary shares £m £m
23/01/2013 0.285 529,548,924 1.5 -
24/10/2012 0.285 529,548,924 1.5 -
25/07/2012 0.285 529,548,924 1.5 -
26/07/2011 1.25 411,871,386 - 5.1
4.5 5.1

A dividend of 0.3025 pence per share was paid to shareholders on 24 April 2013.

An approved quarterly dividend for 2013/14 of 0.3025 pence per share is to be paid on 24 July 2013 to shareholders on the share register at 12 July 2013. This equates to a total cash payment of £1.6 million.

26. DISTRIBUTION RESERVE

Under Guernsey Law, companies can pay dividends in excess of accounting profit provided they satisfy the solvency test prescribed under Companies (Guernsey) Law 2008. The solvency test considers whether a company is able to pay its debts when they fall due; and whether the value of a company's assets is greater than its liabilities. As a consequence, the Group has deemed it appropriate to merge the distribution reserve and retained earnings as separate reserves are no longer required. Refer to the Consolidated Statement of Changes in Equity for the current period.

for the year ended 31 March 2013 (continued)

27. SHARE-BASED PAYMENTS

Value Creation Plan

Executive Recruitment Plan

Long Term Incentive Plan

27. SHARE-BASED PAYMENTS
As at 31 March 2013, the Group had three long-term incentive schemes in place – the Value Creation Plan ("VCP"),
the Executive Recruitment Plan ("ERP") and the Long Term Incentive Plan ("LTIP").
The long-term incentive arrangements are structured so as to align the incentives of relevant executives with
the long-term performance of the business and to motivate and retain key members of staff. To the extent
practicable long-term incentives are provided through the use of share-based (or share-fulfilled) remuneration
to provide alignment of objectives with the Group's shareholders. Long-term incentive awards are granted by
the Remuneration Committee who review award levels on a case by case basis.
As at 31 March 2013 the Employee Benefit Trust ("EBT") held a total of 4,218,219 (2012: 4,218,219) Ordinary Shares
of 10p each in Assura Group Limited. Previous long-term incentive plans have lapsed without vesting.
Value Creation Plan
As at 31 March 2013, a total of 791,700 performance units had been granted to employees (including 575,000 units
granted to Executive Directors as detailed in the Remuneration Committee Report). No payment has been made
for the grant of these awards and the performance units have no value at grant.
Participants have the opportunity to receive 10% of the total value created for shareholders above a threshold price
determined at three measurement dates in a five year measurement period. Before any awards vest, which are
granted as nil-cost options on conversion of any value created, a minimum level of Total Shareholder Return of 8%
per annum compound growth from the base price at each measurement date must be achieved.
Further details in respect of the VCP are provided in the Remuneration Committee Report on pages 52 to 53.
Long Term Incentive Plan
The units (equivalent to one ordinary share) outstanding in respect of the LTIP are as follows:
2013 2012
Units Units
Outstanding as at the start of the year
Granted during the year
725,000 1,580,000
Exercised during the year -
-
750,000
(155,000)
Expired during the year (325,000) -
Forfeited during the year in respect of leavers - (1,450,000)
Outstanding as at the end of the year 400,000 725,000
Units exercisable at the end of the year - -
No Executive Directors hold shares under the scheme and key management personnel had 400,000 units at
31 March 2013 (2012: 725,000 units). These relate to grants on 29 July 2011 which have a performance period ending
on 31 March 2014.

for the year ended 31 March 2013 (continued)

27. SHARE-BASED PAYMENTS (continued)

Three distinct performance conditions apply to the units outstanding. 50% of an award will be subject to a performance condition measuring the Group's annual earnings per share growth (excluding revaluation surpluses or deficits arising on investment property) over a three year period ending on 31 March 2014. The remaining 50% of an award will be subject to a performance condition measuring (over the same three year period) the cumulative growth in the Group's annual percentage total primary care property return as calculated by IPD measured against the IPD Primary Healthcare Index. In addition, the vesting conditions further require Total Shareholder Return ("TSR") over the 3 years ending 31 March 2014 to exceed 25%.

All schemes

The fair value of equity settled units granted during 2013 is estimated as at the date of grant using a Monte-Carlo model (2012: Black-Scholes), taking into account the terms and conditions upon which units were granted. The following table lists the inputs to the models used for the year ended 31 March 2013 and the year ended 31 March 2012.

2013 2012
Dividend yield (%) 3.5 -
Expected share price volatility (%) 20.7 n/a
Risk-free interest rate (%) 0.74 0.78
Expected life of units (years) 4.5 2.7

The expected volatility reflects the assumption that the historical volatility is indicative of future trends, which may not necessarily be the actual outcome.

The fair value of the units granted in the period, is £2,475,000 (2012: £160,400) based on the market price at the date the units were granted. This cost is allocated over the vesting period. The cost allocation for all outstanding units in the period was a charge of £575,000 (2012: charge of £16,000).

For share options outstanding as at 31 March 2013, the weighted average remaining contractual life is 1.98 years (2012: 1.55 years). The weighted average fair value of share options granted during the period was £0.34 (2012: £0.21).

for the year ended 31 March 2013 (continued)

28. NOTE TO THE CONSOLIDATED CASH FLOW STATEMENT

Reconciliation of net profit/(loss) before taxation to net cash inflow
from operating activities:
Net profit/(loss) before taxation
Profit/(loss) from continuing activities
Profit from discontinued activities
Adjustment for non-cash items:
Depreciation
2013
£m
14.3
-
2012
£m
(63.3)
1.2
14.3 (62.1)
0.1 0.2
Decrease in debtors 0.1 4.2
Increase in creditors 2.8 3.1
Decrease in provisions - (0.3)
Increase in pharmacy inventories - (0.1)
Revaluation gain (6.0) (1.5)
Interest capitalised on developments (0.4) (1.0)
Loss on revaluation of financial instrument 1.2 54.7
Loss on disposal of properties 0.1 -
Profit on disposal of pharmacy business - (3.4)
Loss on disposal of LIFT business - 0.3
Profit on disposal of assets - (0.5)
Goodwill impairment - 20.0
Share of (profits) of associates and joint ventures (0.4) (3.6)
Impairment of investments - discontinued - 3.1
Employee share-based incentive costs 0.6 -
Amortisation of loan issue costs 0.5 0.3
Net cash inflow from operating activities 12.9 13.4

for the year ended 31 March 2013 (continued)

29. DEFERRED TAX

Deferred tax consists of the following:
2013 2012
£m £m
At 1 April 1.3 1.8
Capital allowances in excess of depreciation - (0.3)
Trading losses carried forward (0.2) 1.3
Disposals - (1.5)
At 31 March 1.1 1.3

The amount of deductible temporary differences and unused tax losses are as follows:

Consolidated balance sheet:

2013 2012
£m £m
227.4 250.7
35.2 (11.9)
35.9 57.7
298.5 296.5

The majority of tax losses carried forward relate to capital losses generated on the disposal of former divisions of the Group.

The following deferred tax assets have not been recognised due to uncertainties around future recoverability:

The tax effect of these unrecognised assets is as follows:

Consolidated balance sheet:

2013 2012
£m £m
Tax losses 52.3 60.2
Other timing differences 8.1 (2.9)
Deficit on revaluation of investment properties in the UK 8.3 13.9
68.7 71.2

for the year ended 31 March 2013 (continued)

30. BUSINESS COMBINATIONS – YEAR TO 31 MARCH 2012

30. BUSINESS COMBINATIONS – YEAR TO 31 MARCH 2012
On 18 August 2011, the Group acquired 100% of the Ordinary Share Capital of PH Investments (No. 1) Limited
and its subsidiary company Riddings Pharmco Limited, private companies based in England. The companies
are involved in property investment and development and the acquisition has enlarged the existing investment
portfolio of the group. The consideration of £522,000 was satisfied by cash as shown below.
The fair values of identifiable assets and liabilities of PH Investments (No. 1) Limited & its subsidiary as at the
date of acquisition were:
Fair value
£m
Investment properties 4.5
Current liabilities (0.5)
Long term loans (3.4)
Total identifiable net assets at fair value 0.6
Negative goodwill arising on acquisition (0.1)
Total purchase consideration transferred 0.5
Purchase consideration:
Cash 0.5
Total purchase consideration 0.5
Analysis of cash flows on acquisition:
Cash paid as consideration (included within cash flows from investing activities) (0.5)
Net cash flow on acquisition (0.5)
Total transaction costs of £46,000 have been expensed and are included within exceptional items. Negative goodwill
of £58,000 has been taken to the Consolidated Income Statement and is shown within exceptional items.
The fair value of assets acquired is considered to be final.
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY

Purchase consideration:

Cash 0.5
Total purchase consideration 0.5

Analysis of cash flows on acquisition:

Cash paid as consideration (included within cash flows from investing activities) (0.5)
Net cash flow on acquisition (0.5)

for the year ended 31 March 2013 (continued)

31. DISCONTINUED OPERATIONS

During the prior year the Group discontinued operating its Pharmacy division, LIFT consultancy business and its effective interest in Virgin Healthcare Holdings Limited.

Period to 12 July 2011
£m
Pharmacy division 4.4
LIFT consultancy division -
Losses in connection with Virgin Healthcare Holdings Limited (note 15) (3.1)
Deferred tax 0.3
Profit for the year from discontinued operations 1.6

Pharmacy disposal

On 12 July 2011 the Group completed the sale of the Pharmacy division to Gorgemead Limited, part of the Cohens Group.

The accounting policies applicable to the Pharmacy division are as follows:

Pharmacy sales – revenue from the sale of goods is recognised when the significant risks and rewards of ownership of the goods have passed to the buyer, on the date of sale.

Pharmacy inventories are valued at the lower of cost and net realisable value. Net realisable value is the estimated selling price in the ordinary course of business, less estimated costs of completion and the estimated costs necessary to make the sale. Cost is defined as average purchase price.

The results of the Pharmacy division which have been included in the consolidated income statement are presented below:

Period to 12 July 2011

£m
Revenue 10.0
Cost of sales (6.9)
Administrative expenses (2.1)
Operating profit 1.0
Profit on disposal of discontinued operations 3.4
Profit for the period from discontinued operations 4.4

for the year ended 31 March 2013 (continued)

31. DISCONTINUED OPERATIONS (continued)

Period to 12 July 2011
£m
Operating activities 0.5
Investing activities 21.7
Net cash inflow 22.2
The net cash flows attributable to the Pharmacy division were as follows:
Period to 12 July 2011
£m
Operating activities 0.5
Investing activities 21.7
Net cash inflow 22.2
The total disposal consideration and major classes of assets and liabilities sold are analysed as follows:
As at 12 July 2011
£m
Assets and liabilities disposed of other than cash
Pharmacy licences and goodwill 23.7
Property, plant and equipment 4.0
Deferred tax asset 1.5
Inventories 2.3
Debtors 5.0
Cash and cash equivalents 3.3
Creditors (7.6)
Net assets 32.2
Net assets sold – 100% 32.2
Fair value of proceeds 36.8
Costs (1.2)
Net proceeds 35.6
Profit on disposal 3.4
Fair value of proceeds
Cash 24.5
Deferred consideration (received on completion) 1.4
Loan notes (note 18) 7.0
Deferred consideration – pipeline 3.5
Deferred consideration – net assets adjustment 0.4
36.8
As at 31 March 2013, all deferred consideration has been received in full.
LIFT disposal
On 26 October 2011 the Group completed the sale of the LIFT consultancy business to GB Partnerships
Investments Limited. At the same time the Group made a 15% investment in GB Partnerships Limited and loaned
that company £0.2 million via a loan note which pays interest at 5%.

Fair value of proceeds

Cash 24.5
Deferred consideration (received on completion) 1.4
Loan notes (note 18) 7.0
Deferred consideration – pipeline 3.5
Deferred consideration – net assets adjustment 0.4
36.8

LIFT disposal

for the year ended 31 March 2013 (continued)

31. DISCONTINUED OPERATIONS (continued)

The results of the LIFT consultancy business for the period to its date of sale are presented below:

Period to 26 October 2011 £m Revenue 2.1 Cost of sales (0.4) Administrative expenses (1.4) Operating profit 0.3 Loss on disposal of discontinued operations (0.3) Profit for the period from discontinued operations -

At the date of disposal the net assets of the LIFT consultancy business were £1.0 million. The net cash flows attributable to the LIFT consultancy business were as follows:

Period to 26 October 2011
£m
Operating activities 0.3
Net cash inflow 0.3

The total disposal consideration and major classes of assets and liabilities sold are analysed as follows:

As at 26 October 2011
£m
Assets and liabilities disposed of other than cash
Goodwill 0.8
Debtors 0.6
Cash and cash equivalents 0.3
Creditors (1.1)
Net assets 0.6
Net assets sold – 85% 0.5
LIFT investments sold 0.5
1.0
Fair value of proceeds - cash 0.8
Costs (0.1)
Net proceeds 0.7
Loss on disposal (0.3)

for the year ended 31 March 2013 (continued)

32. DERIVATIVES AND OTHER FINANCIAL INSTRUMENTS

The Group holds cash and liquid resources as well as having debtors and creditors that arise directly from its operations.

The main risks arising from the Group's financial instruments and properties are credit risk, liquidity risk, interest rate risk and equity price risk. The Board regularly reviews and agrees policies for managing each of these risks and these are summarised below.

Credit risk

Credit risk is the risk that an issuer or counterparty will be unable or unwilling to meet a commitment that it has entered into with the Group.

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 100OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION In the event of a default by an occupational tenant, the Group will suffer a rental income shortfall and may incur additional costs, including legal expenses, in maintaining, insuring and re-letting the property. Given the nature of the Company's tenants and enhanced rights of landlords who can issue proceedings and enforcement by bailiffs, defaults are rare and potential defaults are managed carefully by the credit control department. The maximum credit exposure in aggregate is one quarter's rent of circa £9 million, however this amount derives from all the tenants in the portfolio and such a scenario is hypothetical. The Group's credit risk is well spread across circa 350 tenants at any one time. Furthermore the bulk of the Group's property income derives from the NHS or is reimbursed by the NHS, who have an obligation to ensure that patients can be seen and treated and step in when GPs are unable to practice, hence the risk of default is minimal.

The maximum credit risk exposure relating to financial assets is represented by their carrying values as at the balance sheet date.

Liquidity risk

Liquidity risk is the risk that the Group will encounter in realising assets or otherwise raising funds to meet financial commitments. Investments in property are relatively illiquid however the Group has tried to mitigate this risk by investing in modern purpose built medical centres which are well let to GPs and PCTs. In order to progress its property investment and development programme, the Group needs access to bank and equity finance, both of which may be difficult to raise notwithstanding the quality, long lease length, NHS backing and geographical and lot size diversity of its property portfolio.

The Group manages its liquidity risk by ensuring it has a spread of sources and maturities.

The Group has entered into commercial property leases on its core investment property portfolio. These non-cancellable leases have remaining terms of up to 28 years and have a weighted average lease length of 15.1 years. All leases are subject to revision of rents according to various rent review clauses. Future minimum rentals receivable under non-cancellable operating leases along with trade and other receivable as at 31 March are as follows:

Receivables as at 31 March 2013

On
demand
Less than
3 months
3 to 12
months
1 to 5
years
> 5 years Total
£m £m £m £m £m £m
Non-cancellable leases - 8.9 26.9 149.1 426.9 611.8
Trade and other receivables - 6.6 - 3.0 - 9.6
- 15.5 26.9 152.1 426.9 621.4

Receivables as at 31 March 2012

On
demand
Less than
3 months
3 to 12
months
1 to 5
years
> 5 years Total
£m £m £m £m £m £m
Non-cancellable leases - 8.7 26.2 137.1 398.4 570.4
Trade and other receivables - 3.6 1.6 9.2 - 14.4
- 12.3 27.8 146.3 398.4 584.8

for the year ended 31 March 2013 (continued)

32. DERIVATIVES AND OTHER FINANCIAL INSTRUMENTS (continued)

The table below summarises the maturity profile of the Group's financial liabilities, including interest, at 31 March 2013 and 31 March 2012 based on contractual undiscounted payments at the earliest date which the Group can be required to pay.

The total contracted discounted payments is higher than the total minimum rentals receivable due to the rent receivable not including any residual values on properties at the end of the lease contract.

Payables as at 31 March 2013

On
demand
Less than
3 months
3 to 12
months
1 to 5
years
> 5 years Total
£m £m £m £m £m £m
Non-derivative financial liabilities:
Interest bearing loans and borrowings - 5.0 9.9 121.0 531.4 667.3
Trade and other payables - 11.3 3.0 0.1 3.0 17.4
- 16.3 12.9 121.1 534.4 684.7
Derivative financial liabilities:
Interest rate swap - 0.2 0.7 6.0 - 6.9
- 0.2 0.7 6.0 - 6.9
Total financial liabilities - 16.5 13.6 127.1 534.4 691.6

Payables as at 31 March 2012

On
demand
Less than
3 months
3 to 12
months
1 to 5
years
> 5 years Total
£m £m £m £m £m £m
Non-derivative financial liabilities:
Interest bearing loans and borrowings - 7.1 19.3 142.5 449.4 618.3
Trade and other payables - 12.9 0.1 0.1 2.9 16.0
- 20.0 19.4 142.6 452.3 634.3
Derivative financial liabilities:
Interest rate swap - 0.3 0.9 5.2 - 6.4
- 0.3 0.9 5.2 - 6.4
Total financial liabilities - 20.3 20.3 147.8 452.3 640.7

Interest rate risk

The Group's exposure to market risk for changes in interest rates relates primarily to the Group's cash deposits and, as debt is utilised, long term, debt obligations. The Group's policy is to manage its interest cost using fixed rate debt or by interest rate swaps (see below). The swaps are revalued to their market value by reference to market interest rates at each balance sheet date.

for the year ended 31 March 2013 (continued)

32. DERIVATIVES AND OTHER FINANCIAL INSTRUMENTS (continued)

Within
1 to 5
> 5 years Total
1 year years
£m £m £m £m
Floating rate asset/(liability)
Cash 35.7 - - 35.7
Santander - investment facility - (50.0) - (50.0)
Santander - development facility - (5.2) - (5.2)
Interest rate swap - (3.6) - (3.6)
Fixed rate (all liabilities)
Long-term loans:
Bond - - (110.0) (110.0)
Aviva (3.9) (20.5) (206.1) (230.5)
Payments due under finance leases - (0.1) (3.0) (3.1)
Floating rate asset/(liability)
Cash
Santander - investment facility
Santander - development facility
Interest rate swap
Fixed rate (all liabilities)
Long-term loans:
Bond
Aviva
1 year
£m
35.7
-
-
-
years
£m
-
(50.0)
(5.2)
(3.6)
£m
-
-
-
-
£m
35.7
(50.0)
(5.2)
(3.6)
- - (110.0) (110.0)
(3.9) (20.5) (206.1) (230.5)
Payments due under finance leases - (0.1) (3.0) (3.1)
fixed all in interest rates ranging between 4.11% and 6.66%.
In November 2011 the Group entered into an interest rate swap with Santander for a principal of £50.0 million at
2.575% plus 1.95% margin for five years. This replaced the previous swap held with Santander.
The ageing analysis of the financial assets and liabilities excluding trade receivables and payables of the Group at
31 March 2012 was as follows:
Within
1 year
£m
1 to 5
years
£m
> 5 years
£m
Total
£m
Floating rate asset/(liability)
Cash 21.4 - - 21.4
Santander – investment facility - (50.0) - (50.0)
Santander – development facility - (2.4) - (2.4)
(4.0) - - (4.0)
(2.3) - (2.5)
(0.2)
RBS
Interest rate swap
Fixed rate (all liabilities)
Long-term loans:
Bond
Aviva - - (110.0) (110.0)
Payments due under finance leases (2.9)
(0.1)
(14.9)
(0.1)
(195.3)
(2.9)
(213.1)
(3.1)

for the year ended 31 March 2013 (continued)

32. DERIVATIVES AND OTHER FINANCIAL INSTRUMENTS (continued)

Sensitivity analysis

The Group has largely eliminated its exposure to interest rate movements affecting income by the use of fixed rate debt and interest rate swaps. The Group is 99% fixed such that a 0.25% movement in interest rate has a negligible impact on underlying profits.

2013
Book value
2012
Book value
2013
Fair value
2012
Fair value
£m £m £m £m
Cash 35.7 21.4 35.7 21.4
Interest rate swap (3.6) (2.5) (3.6) (2.5)
Long term loan (392.1) (375.6) (440.3) (405.2)
Payments due under finance leases (3.1) (3.1) (3.1) (3.1)

The Group is exposed to the valuation impact on investor sentiment of long term interest rate expectations, which can impact transactions in the market and increase or decrease valuations accordingly.

Capital risk

The Group manages its capital structure and makes adjustments to it, in light of changes in economic conditions. To maintain or adjust the capital structure, the Group may make disposals, adjust the dividend payment to shareholders, return capital to shareholders or issue new shares.

The Group monitors capital structure with reference to loan to value (LTV), which is calculated as net debt divided by total property and LIFT value. The LTV percentage on this basis is 62% at 31 March 2013 (64% at 31 March 2012).

2013 2012
£m £m
Investment property 543.0 529.4
Investment property under construction 14.3 8.4
Held for sale - Investment property 2.3 2.3
Held for sale - Land 9.7 9.1
LIFT 11.2 10.5
Total property and LIFT 580.5 559.7
2013 2012
£m £m
Loans 392.1 375.6
Finance lease 3.1 3.1
Cash (35.7) (21.4)
Net debt 359.5 357.3
LTV 62% 64%

for the year ended 31 March 2013 (continued)

33. COMMITMENTS

ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY 104OVERVIEW BUSINESS & FINANCIAL REVIEW GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION At the year end the Group had 9 (2012: 6) developments on-site with a contracted total expenditure of £33.1 million (2012: £16.2 million) of which £13.9 million (2012: £7.7 million) had been expended.

34. RELATED PARTIES

Details of transactions during the year and outstanding balances at 31 March 2013 in respect of associates and joint ventures are detailed in note 15.

Details of payments to key management personnel are provided in note 6.

INDEPENDENT AUDITOR'S REPORT

for the year ended 31 March 2013

To the Members of Assura Group Limited

We have audited the Parent Company Financial Statements of Assura Group Limited for the year ended 31 March 2013 which comprise the Company Income Statement, the Company Balance Sheet, the Company Statement of Changes in Equity, the Company Cash Flow Statement and the related notes A to K. The financial reporting framework that has been applied in their preparation is applicable law and International Financial Reporting Standards (IFRSs) as adopted by the European Union.

This report is made solely to the Company's members, as a body, in accordance with section 262 of the Companies (Guernsey) Law, 2008. Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members as a body, for our audit work, for this report, or for the opinions we have formed.

Respective Responsibilities of Directors and Auditor

As explained more fully in the Statement of Directors' Responsibilities set out on page 64, the Directors are responsible for the preparation of the Company Financial Statements and for being satisfied that they give a true and fair view.

Our responsibility is to audit and express an opinion on the Company Financial Statements in accordance with applicable law and International Standards on Auditing (UK and Ireland). Those standards require us to comply with the Auditing Practices Board's Ethical Standards for Auditors.

Scope of the audit of the Company Financial Statements

An audit involves obtaining evidence about the amounts and disclosures in the Company Financial Statements sufficient to give reasonable assurance that the Company Financial Statements are free from material misstatement, whether caused by fraud or error. This includes an assessment of: whether the accounting policies are appropriate to the Company's circumstances and have been consistently applied and adequately disclosed; the reasonableness of significant accounting estimates made by the Directors; and the overall presentation of the Financial Statements. In addition, we read all the financial and non-financial information in the Annual Report to identify material inconsistencies with the audited Financial Statements. If we become aware of any apparent material misstatements or inconsistencies we consider the implications for our report.

Opinion on Financial Statements

In our opinion the Company Financial Statements:

  • give a true and fair view of the state of the Company's affairs as at 31 March 2013 and of its profit for the year then ended;
  • have been properly prepared in accordance with IFRSs as adopted by the European Union; and
  • have been properly prepared in accordance with the requirements of the Companies (Guernsey) Law, 2008.

Matters on which we are required to report by exception

We have nothing to report in respect of the following matters where the Companies (Guernsey) Law, 2008 requires to report to you if, in our opinion:

  • adequate accounting records have not been kept by the Company; or
  • the Company's Financial Statements are not in agreement with the accounting records; or
  • we have not received all the information and explanations we require for our audit.

Other matter

We have reported separately on the Group Financial Statements of Assura Group Limited for the year ended 31 March 2013.

Alan Fendall

Senior Statutory Auditor

For and on behalf of Deloitte LLP, Chartered Accountants and Recognised Auditor Manchester 19 July 2013

COMPANY INCOME STATEMENT

for the year ended 31 March 2013

2013 2012
Note £m £m
Revenue
Dividends received from subsidiary companies 3.7 -
Interest receivable from subsidiary companies - 4.0
Bank and other interest receivable 0.1 0.1
Total revenue 3.8 4.1
Administration costs 0.8 2.0
Share-based payment charge 0.6 -
Loss on sale of businesses - 8.6
Total operating expenses 1.4 10.6
Operating profit/(loss) 2.4 (6.5)
Provision for diminution in value of investments in subsidiaries
B
(16.2) (21.1)
Reversal of provision/(provision) against subsidiary loan balances
F
27.9 (30.8)
Profit/(loss) before taxation 14.1 (58.4)
Taxation - -
Profit/(loss) attributable to equity holders 14.1 (58.4)
All amounts relate to continuing activities. There were no items of other comprehensive income or expense and
therefore the profit for the period also reflects the Company's total comprehensive income.

COMPANY BALANCE SHEET

as at 31 March 2013

2013 2012
Note £m £m
Non-current assets
Investments in subsidiary companies B 154.1 87.3
Loans to subsidiary companies C 68.1 -
222.2 87.3
Current assets
Cash and cash equivalents D 3.4 2.2
Other receivables E - 0.4
Loans to subsidiary companies F 0.4 111.2
3.8 113.8
Total assets 226.0 201.1
Current liabilities
Other payables G 1.0 0.7
Loans from subsidiary companies H 26.9 12.5
Total liabilities 27.9 13.2
Net assets 198.1 187.9
Capital and reserves
Share capital 24 53.0 53.0
Own shares held (1.9) (1.9)
Share premium 77.1 77.1
Reserves 69.9 59.7
Total equity 198.1 187.9

The Financial Statements were approved at a meeting of the Board of Directors held on 19 July 2013 and signed on its behalf by:

Graham Roberts Jonathan Murphy Chief Executive Finance Director

COMPANY STATEMENT OF CHANGES IN EQUITY

for the year ended 31 March 2013

Share
capital
Own
shares
held
Share
premium
Distributable
reserve
Retained
earnings
Reserves Total
£m £m £m £m £m £m £m
1 April 2011 41.2 (2.0) 55.4 210.6 (87.4) 123.2 217.8
Loss attributable to
equity holders
- - - - (58.4) (58.4) (58.4)
Total comprehensive
income
- - - - (58.4) (58.4) (58.4)
Issue of ordinary shares 11.8 - 23.5 - - - 35.3
Issue costs - - (1.8) - - - (1.8)
Sale of own shares held - 0.1 - - - - 0.1
Dividends paid - - - (5.1) - (5.1) (5.1)
31 March 2012 53.0 (1.9) 77.1 205.5 (145.8) 59.7 187.9
Profit attributable to
equity holders - - - - 14.1 14.1 14.1
Total comprehensive
income
- - - - 14.1 14.1 14.1
Transfer of reserves
(note 26 to the Group accounts)
- - - (205.5) 205.5 - -
Dividends paid
(note 25 to the Group accounts)
- - - - (4.5) (4.5) (4.5)
Cost of employee share
base incentives
- - - - 0.6 0.6 0.6
31 March 2013 53.0 (1.9) 77.1 - 69.9 69.9 198.1
ASSURA GROUP INVESTING IN THE FUTURE OF PRIMARY CARE PROPERTY

COMPANY CASH FLOW STATEMENT

for the year ended 31 March 2013

2013 2012
Note £m £m
Operating activities
Net cash inflow from operating activities I 3.7 2.0
Investing activities
Increase in share capital of subsidiaries (83.0) (55.7)
Proceeds from disposal of subsidiary - 0.5
Net loans received from subsidiaries 85.0 20.8
Net cash inflow/(outflow) from investing activities 2.0 (34.4)
Financing activities
Issue of Ordinary Shares for cash - 35.3
Issue costs paid on issuance of Ordinary Shares - (1.8)
Dividends paid (4.5) (5.1)
Net cash (outflow)/inflow from financing activities (4.5) 28.4
Increase/(decrease) in cash and cash equivalents 1.2 (4.0)
Opening cash and cash equivalents 2.2 6.2
Closing cash and cash equivalents D 3.4 2.2

NOTES TO THE COMPANY FINANCIAL STATEMENTS

for the year ended 31 March 2013

A. ACCOUNTING POLICIES

B. INVESTMENTS IN SUBSIDIARY COMPANIES

2013 2012
£m £m
Cost 290.5 207.5
Provision for diminution in value (136.4) (120.2)
154.1 87.3

C. LOANS TO SUBSIDIARY COMPANIES – NON-CURRENT

The accounting policies of the Company are consistent with those of the Group which can be found in note 2.
2013
£m
290.5
(136.4)
154.1
During the year to 31 March 2013, the Company has increased its investment in certain subsidiaries.
The investment carrying values are reviewed annually by reference to the net assets of the subsidiary companies
and any required provision for impairment is provided for as a diminution in value. An additional provision of
£16.2 million has been recognised in the year (2012: additional provision of £21.1 million).
Details of principal subsidiaries as at 31 March 2013 are shown in note 13 to the Group accounts.
2012
£m
207.5
87.3
(120.2)
2013 2012
£m £m
15.0 -
-
-
Interest bearing loans comprise unsecured subordinated loans with interest charged at 5%.
2012
£m
2.2
53.1
68.1
2013
£m
3.4

D. CASH AND CASH EQUIVALENTS

2013 2012
£m £m
Cash held in current account 3.4 2.2

NOTES TO THE COMPANY FINANCIAL STATEMENTS

for the year ended 31 March 2013 (continued)

E. OTHER RECEIVABLES

2013 2012
£m £m
Prepayments and other debtors - 0.4

F. LOANS TO SUBSIDIARY COMPANIES – CURRENT

2013 2012
£m £m
Amounts owed by group undertakings 3.3 142.0
Provisions (2.9) (30.8)
0.4 111.2

The above loans are unsecured, non-interest bearing and repayable upon demand.

The recoverable amount of loans receivable from subsidiaries is reviewed annually by reference to the subsidiary balance sheet and expected future activities, with a provision recorded to the extent the loan is not considered recoverable. In the year to 31 March 2013, a reversal of the provision of £27.9 million has been recorded (2012: provision of £30.8 million).

G. OTHER PAYABLES

2013 2012
£m £m
Trade creditors 0.2 0.2
Other creditors & accruals 0.8 0.5
1.0 0.7

H. LOANS FROM GROUP UNDERTAKINGS

2013 2012
£m £m
Amounts owed to group undertakings 26.9 12.5

The above loans are unsecured, non-interest bearing and repayable upon demand.

NOTES TO THE COMPANY FINANCIAL STATEMENTS

for the year ended 31 March 2013 (continued)

I. NOTE TO THE CASH FLOW STATEMENT

2013 2012
£m £m
Reconciliation of net profit/(loss) before taxation to net cash
inflow from operating activities:
Net profit/(loss) before taxation 14.1 (58.4)
Adjustment for non-cash items:
Decrease in receivables 0.4 0.2
Increase/(decrease) in payables 0.3 (0.1)
(Release of)/provision for impairment of investments and loan
from a subsidiary
(11.7) 51.7
Loss on sale of subsidiary - 8.6
Employee share-based incentives cost 0.6 -
Net cash inflow from operating activities 3.7 2.0
J. RELATED PARTY TRANSACTIONS
Interest Dividends Amounts Amounts
receivable received owed by owed to
£m £m £m £m
Group undertakings
2013 - 3.7 68.5 26.9
2012 4.0 - 111.2 12.5
K. RISK MANAGEMENT
Credit risk
Credit risk is the risk that an issuer or counterparty will be unable or unwilling to meet a commitment that it has
entered into with the Company.
Credit risks within the Company derive from non-payment of loan balances. However as the balances are
receivable from a subsidiary companies the risk of default is considered minimal.
The maximum credit risk exposure relating to financial assets is represented by the carrying value as at the
balance sheet date.
The company balance sheet largely comprises illiquid assets in the form of investments in subsidiaries and loans
to subsidiaries, which have been used to finance property investment and development activities. Accordingly the
realisation of these assets may take time and may not achieve the values at which they are carried in the balance sheet.
The company's other assets are cash of £3.4 million (2012: £2.2 million). Its trade and other payables amount
to £1.0 million at 31 March 2013 (2012: £0.7 million) all of which are due within 3 months.
There are no differences between the book value of cash and trade payables, nor is there any meaningful interest
rate sensitivity.

J. RELATED PARTY TRANSACTIONS

Interest
receivable
Dividends
received
Amounts
owed by
Amounts
owed to
£m £m £m £m
Group undertakings
2013 - 3.7 68.5 26.9
2012 4.0 - 111.2 12.5

K. RISK MANAGEMENT

Credit risk

CORPORATE INFORMATION

Head Office and Principal
Place of Business:
The Brew House
Greenalls Avenue
Warrington
Cheshire
WA4 6HL
Company Secretary: Jonathan Murphy
Registered Office: Old Bank Chambers
La Grande Rue
St Martin's
Guernsey
GY4 6RT
Auditor: Deloitte LLP
2 Hardman Street
Manchester
M3 3HF
Legal Advisers: Addleshaw Goddard LLP
100 Barbirolli Square
Manchester
M2 3AB
Stockbrokers: Oriel Securities Limited
150 Cheapside
London
EC2V 6ET
Liberum Capital Limited
Ropemaker Place, Level 12
25 Ropemaker Street
London
EC2Y 9AR
Bankers: Aviva Group plc
Santander Global Banking
Royal Bank of Scotland plc

NOMINATED CHARITIES

Assura Group is proud to support two charities, St Rocco's Hospice and Medecins Sans Frontieres, by working with them as our nominated charities for the forthcoming year.

St Rocco's Hospice has been established in Warrington for over 25 years and provides specialist care for patients with cancer and other life threatening illnesses. Their aim is to help everyone have the best quality of life by providing care and support in a friendly, relaxed environment.

The hospice helps hundreds of patients and their families each year, providing clinical treatment, emotional and spiritual support, symptom control, nursing care and complementary therapies all in a purpose-built environment. St Rocco's relies on the much valued support of the local community and organisations for funding to continue providing its vital care for patients and their families. Assura is delighted to be both sponsoring and participating in a local Corporate Challenge event in support of St Rocco's Hospice.

Each of the 40+ companies involved has been given £50, donated by Assura, to kick-start their fundraising efforts. The challenge is to see how much money for St Rocco's each company can turn their £50 into over the course of a year, running from 1 February 2013 to 31 January 2014. Assura will also be taking part in the St Rocco's Dragon Boat Race; taking place on the River Mersey on Sunday 4 August 2013.

For further information, please go to www.stroccos.org.uk

Medecins Sans Frontieres/Doctors Without Borders (MSF) is an independent international medical humanitarian organisation that delivers emergency aid in more than 60 countries to people affected by armed conflict, epidemics, natural or man-made disasters or exclusion from healthcare.

In emergencies and their aftermath, MSF rehabilitates and runs hospitals and clinics, performs surgery, battles epidemics, carries out vaccination campaigns, operates feeding centres for malnourished children and offers mental healthcare. Through longer term programmes, MSF treats patients with infectious diseases such as tuberculosis, sleeping sickness and HIV/AIDS and provides medical and psychological care to marginalised groups, such as street children.

Founded by doctors and journalists in 1971, MSF is now a worldwide movement with offices in 19 countries and an international coordination office in Geneva, Switzerland. Assura is proud to support the Urumuri Centre in Burundi. The Centre was built to offer free treatment to women suffering from obstetric fistulas; this disease continues to devastate lives in sub-Saharan Africa.

For further information, please go to www.msf.org.uk

Assura Group The Brew House Greenalls Avenue Warrington WA4 6HL

T: 01925 420660 F: 01925 234503 E: [email protected]

www.assuragroup.co.uk

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