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Just thinking that it would be very interesting to see the cash flow projection from the start of the financial year. I think that may enlighten us to why our cash flow is suddenly precarious, and who is really to blame.

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As far as I can tell, attendances have stayed pretty much the same so revenue there can't have declined much and it's already "copper bottomed" by record season ticket sales.

 

Advertising and TV money were already negotiated and fixed before the credit crunch and we have a guaranteed income from merchandising sales.

 

The biggest costs are players wages and they will not have increased since the start of the season and should actually be less than budgeted for due to no European football and less win bonuses than we need to win the league.

 

Cost of sales for food may have increased but that will have minimal impact on us as we get paid about 1M a year for the catering.

 

The only increase in costs I can see is the gas and electricity bills as well as the current "climate" ie a harsh winter meaning we're probably using the under soil heating more often. However the latter should be balanced by not having to replace the pitch twice a season this year.

 

However the cut in interest rates should mean we save quite a bit on our overdraft and bank loans which should more than balance out any increase in fuel bills.

 

Other than that, I can't think of any other reasons for a big drop in revenue or a big hike in costs.

 

Even many of the fans won't be feeling the pinch too much this year due to not forking out for CL and UEFA tickets as well as a few hundred quid on the final, not to mention the cut in interest rates and VAT.

 

So for the moment, I can't see any financial crisis looming except circumstances directly caused by the board of RFC...

 

Good contribution mate.

 

I'd assumed the financial crisis reference was directly related to the bank's (possibly new) insistance that we work within our revolving �£15m credit facility which is reviewed anually in November, regardless of whether the need for more is due to a short-term liquidity problem or not?

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Was mid-late February last year mate....

 

Expect turnover to have decreased by at least �£10million and profit to have fell by at least �£5million (making loss of around �£3million) in the same period compared to last year's interim report.

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If anyone wonders where I get these figures from well you can view last year's interim report and judge where the differences will be from the similar period reports of (01/07 to 31/12) last season (07-08; where we had CL football) and even the previous season (06-07; where we had UEFA Cup football).

 

For example:

 

Turnover (6 months 07-08): �£33.1million

Turnover (6 months 06-07): �£23.1million

 

Thus, turnover for the first 6 months of 08-09 will be less than �£23.1million.

 

Profit (6 months 07-08): �£2.3milllion

Profit (6 months 06-07): �£-1.5milllion

 

Thus, we will make a loss of at least �£1.5million over the same period.

 

Add in further increased interest costs and increased wage costs, then there is no doubt the debt will have risen once more. That amount is open to debate but the fact we're having to 'balance the books' by selling a player for �£3million suggests it must be of an amount that is worrying the club (and/or its backers).

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Something we need to remember before pointing any fingers of blame for us having to 'try' to sell a player or two to balance the books is that it might not have been an issue at all if it wasn't for the banking crisis. HBOS & RBS apparently didn't have (or at least make public) extremely serious problems until October, so although we probably overspent by several million in the summer transfer window, it was probably looked upon as something that wouldn't necessarily be a major problem financially. Then came October & while the GBP continued to drop towards all time lows against the EURO, HBOS & RBS at one point apparently came extremely close to not being able to open their doors to trade with the public. No matter what SDM says about everything being peachy, you can be sure that he's at least being mildly pressured on the overdraft & asked politely to reduce it if possible.

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If anyone wonders where I get these figures from well you can view last year's interim report and judge where the differences will be from the similar period reports of (01/07 to 31/12) last season (07-08; where we had CL football) and even the previous season (06-07; where we had UEFA Cup football).

 

For example:

 

Turnover (6 months 07-08): �£33.1million

Turnover (6 months 06-07): �£23.1million

 

Thus, turnover for the first 6 months of 08-09 will be less than �£23.1million.

 

Profit (6 months 07-08): �£2.3milllion

Profit (6 months 06-07): �£-1.5milllion

 

Thus, we will make a loss of at least �£1.5million over the same period.

 

Add in further increased interest costs and increased wage costs, then there is no doubt the debt will have risen once more. That amount is open to debate but the fact we're having to 'balance the books' by selling a player for �£3million suggests it must be of an amount that is worrying the club (and/or its backers).

 

Other factors to consider when comparing the results to 2006/7:

 

- big profit on the sale of Cuellar, and a profit on the sale of Cousin also

- One less SPL game, although 1 more CIS Cup game

- two less home Euro games

- bigger amortisation charge this year due to the large level of player purchases in the past two years.

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