{ "entity_id": "O-000815", "folder": "Australian-Military-Forces-Relief-Trust-Fund", "name": "Australian Military Forces Relief Trust Fund", "type": "Corporate Commonwealth Entity", "jurisdiction": "Commonwealth", "portfolio": "Defence", "website": "http://armyrtf.com.au", "data_status": "rich", "completeness": { "has_strategy_brief": true, "has_strategy_structured": true, "has_vision": false, "has_kpi_targets": true, "has_kpi_results": true, "has_strategy_overview": true, "has_legislation_text": true, "has_legislation_structured": true, "has_global_initiatives_text": true, "has_ideas": true, "has_artifacts": true, "n_ideas": 8, "n_legislation": 2, "n_artifacts": 12, "n_kpi_targets": 4, "n_kpi_results": 4, "n_outcomes": 2, "verified_own_data": true }, "strategy_profile": { "status": "published", "confidence": "high", "summary": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "official_site_url": "http://armyrtf.com.au", "source_documents": [ { "type": "annual_report", "title": "Annual Report 2024-25", "url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "period": "2024-25", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2023-24", "url": "http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf", "period": "2023-24", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2022-23", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf", "period": "2022-23", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2021-22", "url": "http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf", "period": "2021-22", "confidence": "high" }, { "type": "annual_report", "title": "Annual Report 2020-21", "url": "https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf", "period": "2020-21", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2025-26", "url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "period": "2025-26", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2024-25", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corpoorate-plan-2024-25.pdf", "period": "2024-25", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2023-24", "url": "http://armyrtf.com.au/wp-content/uploads/ARTF-Corporate-Plan-2023-24.pdf", "period": "2023-24", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2022-23", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf", "period": "2022-23", "confidence": "high" }, { "type": "corporate_plan", "title": "ARTF Corporate Plan 2021-22", "url": "http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2021-2022.pdf", "period": "2021-22", "confidence": "high" } ], "purpose": { "text": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, "vision": null, "strategic_priorities": [ { "title": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who requi", "description": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, { "title": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldier", "description": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" }, { "title": "Financial management and investment—the provision of sound financial management and investment practice to ensure there ", "description": "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers.", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 2, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2" } ], "values": [ { "name": "Sound financial management", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null }, { "name": "Investment practices", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null }, { "name": "Compliance with governance and legislative requirements", "description": "", "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": null } ], "outcomes": [ { "name": "Outcome 1: Financial Assistance to Army Members", "description": "Provide financial assistance to members of the Army through the provision of low cost and affordable loans.", "activities": [ "Providing loans up to $6,000", "Providing special hardship payments up to $2,500" ], "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 4, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4" }, { "name": "Outcome 2: Financial Management and Investment", "description": "Apply prudent financial management and investment practices in accordance with the PGPA Act, Services Trust Fund Act 1947, other relevant legislative rules and accounting standards.", "activities": [ "Achieving a positive profit outcome", "Complying with corporate governance and legislative requirements" ], "source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "source_page": 4, "source_deep_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4" } ], "performance_measures": [ { "code": "CCE01", "measure": "Net cost of services", "target": "Less than $695,632", "latest_result": "$695,632", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE02", "measure": "Total expenses", "target": "Less than $718,751", "latest_result": "$718,751", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "target": "At least $808,398", "latest_result": "$808,398", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "target": "At least $172,174", "latest_result": "$172,174", "status": "Met", "target_source_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf", "target_source_page": null, "result_source_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "result_source_page": null } ], "document_alignment_terms": { "must_support": [ "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and fo", "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers." ], "watch_terms": [ "Net cost of services", "Total expenses", "Own-source revenue", "Net increase in cash held" ], "avoid_claiming_without_evidence": [] }, "review_note": "" }, "strategy_brief_md": "# Australian Military Forces Relief Trust Fund — Strategy Brief\n\n**Reporting period**: 2024-25\n**Corporate plan in force**: 2025-26\n**Annual Report**: [2024-25](http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)\n**Corporate Plan**: [2025-26](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf)\n\n## Our purpose / purposes\n\n> To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2) [[CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)]\n\n## How we deliver\n\n> The AMFRTF has set goals to continually achieve this purpose. These goals cover the current and subsequent years of the Plan. [CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2) [[CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)]\n\n## Government priorities for this department\n\n- Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above. [[CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)]\n- Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses. [[CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)]\n- Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers. [[CP p.2](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=2)]\n\n## Outcomes\n\n### Outcome 1: Financial Assistance to Army Members\nProvide financial assistance to members of the Army through the provision of low cost and affordable loans. [[CP p.4](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4)]\n\n**Key activities:**\n- Providing loans up to $6,000\n- Providing special hardship payments up to $2,500\n\n### Outcome 2: Financial Management and Investment\nApply prudent financial management and investment practices in accordance with the PGPA Act, Services Trust Fund Act 1947, other relevant legislative rules and accounting standards. [[CP p.4](https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4)(https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf#page=4)]\n\n**Key activities:**\n- Achieving a positive profit outcome\n- Complying with corporate governance and legislative requirements\n\n## Values and principles\n\n- Sound financial management\n- Investment practices\n- Compliance with governance and legislative requirements\n\n## What they will measure themselves on this year (targets from 2025-26 corporate plan)\n\n| Code | Measure | Target | Source |\n|---|---|---|---|\n| CCE01 | Net cost of services | Less than $695,632 | |\n| CCE02 | Total expenses | Less than $718,751 | |\n| CCE03 | Own-source revenue | At least $808,398 | |\n| CCE04 | Net increase in cash held | At least $172,174 | |\n\n## How they performed last year (results from 2024-25 annual report)\n\n| Code | Measure | Result | Status | Source |\n|---|---|---|---|---|\n| CCE01 | Net cost of services | $695,632 | Met | |\n| CCE02 | Total expenses | $718,751 | Met | |\n| CCE03 | Own-source revenue | $808,398 | Met | |\n| CCE04 | Net increase in cash held | $172,174 | Met | |", "strategy_overview_evidence_md": null, "internal_strategy_evidence_md": "# Australian Military Forces Relief Trust Fund - Strategy, Performance, and Operating Profile\n\n**Generated at**: 2026-05-09T22:01:15.889672+00:00\n**Entity ID**: O-000815\n**Entity type**: Corporate Commonwealth Entity\n**Jurisdiction**: Commonwealth\n**Portfolio**: Defence\n**Website**: http://armyrtf.com.au\n\n> Draft generated from scraped source material. Treat this as an evidence pack for editorial review, not a final judgement.\n\n## Source Coverage\n\n| Source type | Count |\n|---|---:|\n| annual-reports | 5 |\n| corporate-plans | 4 |\n| global-intelligence | 3 |\n| pages | 19 |\n\n## Executive Readout\n\n### Purpose\n\n- [Page 23]\n- 23 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2023\n2.1: Financial Assets continued\nAccounting Policy\nTrade receivables, loans and other receivables that are held for the purpose of collecting the\ncontractual cash flows where the cash flows are solely payments of principal and interest are measured\nat amortised cost using the effective interest method adjusted for any loss allowance.\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 25]\n- 25 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2024\n2.1: Financial Assets continued\nAccounting Policy\nTrade receivables, loans and other receivables that are held for the purpose of collecting the\ncontractual cash flows where the cash flows are solely payments of principal and interest are measured\nat amortised cost using the effective interest method adjusted for any loss allowance.\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 25]\nAUSTRALIAN MILITARY FORCES REL-I 2E5F - TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2025\n2.1: Financial Assets continued\nAccounting Policy\nTrade receivables, loans and other receivables that are held for the purpose of collecting the\ncontractual cash flows where the cash flows are solely payments of principal and interest are measured\nat amortised cost using the effective interest method adjusted for any loss allowance.\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- Standard/ Nature of change in accounting policy, transitional provisions, and adjustments to financial\nInterpretation statements\nAASB 1060 General AASB 1060 applies to annual reporting periods beginning on or after 1 July 2021 and replaces\nPurpose Financial the reduced disclosure requirements (RDR) framework.\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n\n### Role and Functions\n\n- 2021 2020\nFull time equivalent (FTE) staff received free of charge 2 2\n3.2: Key Management Personnel Remuneration\nKey management personnel are those persons having authority and responsibility for planning,\ndirecting and controlling the activities of the AMFRTF directly or indirectly, including any Trustee\n(whether executive or otherwise) of the AMFRTF.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- 2022 2021\nFull time equivalent (FTE) staff received free of charge 1.9 2.0\n3.2: Key Management Personnel Remuneration\nKey management personnel are those persons having authority and responsibility for planning,\ndirecting and controlling the activities of the AMFRTF directly or indirectly, including any Trustee\n(whether executive or otherwise) of the AMFRTF.\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- 2023 2022\nFull time equivalent (FTE) staff received free of charge 2 1.9\n3.2: Key Management Personnel Remuneration\nKey management personnel are those persons having authority and responsibility for planning,\ndirecting and controlling the activities of the AMFRTF directly or indirectly, including any Trustee\n(whether executive or otherwise) of the AMFRTF.\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- 2024 2023\nFull time equivalent (FTE) staff received free of charge 2.0 2.0\n3.2: Key Management Personnel Remuneration\nKey management personnel are those persons having authority and responsibility for planning,\ndirecting and controlling the activities of the AMFRTF directly or indirectly, including any Trustee\n(whether executive or otherwise) of the AMFRTF.\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 27]\nAppendix A – List of Requirements\nPGPA Rule Part of Description Requirement\nReference Report\n17BE Contents of annual report\n17BE(a) 3 Details of the legislation establishing the Mandatory\nbody\n17BE(b)(i) 3 A summary of the objects and functions of Mandatory\nthe entity as set out in legislation\n17BE(b)(ii) 3 The purposes of the entity as included in Mandatory\nthe entity’s corporate plan for the\nreporting period\n17BE(c) 3 The names of the persons holding the Mandatory\nposition of responsible Minister or\nresponsible Ministers during the\nreporting period, and the titles of those\nresponsible Ministers\n17BE(d) 3 Directions given to the entity by the If applicable,\nMinister under an Act or instrument mandatory\nduring the reporting period\n17BE(e) N/A Any government policy order that applied If applicable,\nin relation to the entity during the mandatory\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(q) N/A Particulars of judicial decisions or If applicable,\ndecisions of administrative tribunals that mandatory\nmay have a significant effect on the\noperations of the entity\n17BE(r) 9 Particulars of any reports on the entity If applicable,\ngiven by: mandatory\n(a) the Auditor-General (other than a\nreport under section 43 of the Act); or\n(b) a Parliamentary Committee; or\n(c) the Commonwealth Ombudsman; or\n(d) the Office of the Australian\nInformation Commissioner\n17BE(s) N/A An explanation of information not If applicable,\nobtained from a subsidiary of the entity mandatory\nand the effect of not having the\ninformation on the annual report\n17BE(t) N/A Details of any indemnity that applied If applicable,\nduring the reporting period to the mandatory\naccountable authority, any member of the\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n\n### Strategic Priorities\n\n- [pages 24,25,26,27,28]\ngeneral approach which measures the loss allowance based on an amount equal to\nlifetime expected credit losses where risk has significantly increased, or an amount equal to\n12‐month expected credit losses if risk has not increased.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 26]\n- 26 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2021 2020\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,732,444 2 ,946,067\nLoans and other receivables 1 ,943,771 2 ,512,936\nPrepayments 2 77 2 77\nTotal no more than 12 months 5,676,492 5,459,280\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 87,787 6 35,718\nTotal more than 12 months 587,787 635,718\nTotal assets 6,264,279 6,094,998\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 1 0,828 2 0,240\nTotal no more than 12 months 10,828 20,240\nTotal more than 12 months - -\nTotal liabilities 10,828 20,240\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision of\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 28]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 30]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 27]\n- 27 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2022 2021\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,718,587 3 ,732,444\nLoans and other receivables 2 ,040,219 1 ,943,771\nPrepayments 2 77 2 77\nTotal no more than 12 months 5 ,759,083 5,676,492\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 99,989 5 87,787\nTotal more than 12 months 599,989 5 87,787\nTotal assets 6 ,359,072 6,264,279\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 1,450 1 0,828\nTotal no more than 12 months 21,450 10,828\nTotal more than 12 months - -\nTotal liabilities 21,450 10,828\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 27]\n- 27 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2023\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2023 2022\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 4 56,820 8 18,719\nInvestments 2 ,067,641 2 ,899,868\nLoans and other receivables 3 ,037,930 2 ,040,219\nPrepayments 7 19 2 77\nTotal no more than 12 months 5 ,563,110 5,759,083\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 9 12,689 5 99,989\nTotal more than 12 months 912,689 599,989\nTotal assets 6 ,475,799 6,359,072\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 2,000 2 1,450\nTotal no more than 12 months 22,000 21,450\nTotal more than 12 months - -\nTotal liabilities 22,000 21,450\n5.2: Economic Dependency\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [pages 27,28,29,30,31]\novered in more than 12 months:\nLoans and other receivables 9 12,689 5 99,989\nTotal more than 12 months 912,689 599,989\nTotal assets 6 ,475,799 6,359,072\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 2,000 2 1,450\nTotal no more than 12 months 22,000 21,450\nTotal more than 12 months - -\nTotal liabilities 22,000 21,450\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision of\nadministrative support, computer and communication facilities, staff and office accommodation for the\nAMFRTF Secretariat.\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 31]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n\n## KPIs, Targets, and Where They Are At\n\n- [Page 30]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 31]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 33]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 36]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- Intended Result\n- As above\nMeasured Performance\nA total of $11,382 (2021: $13,222) was funded under hardship grants in this reporting period.\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 22]\n- 22 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2023\nFinancial Position\nThis section analyses the AMFRTF assets used to conduct its operations and\nthe operating liabilities incurred as a result.\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 24]\n- 24 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2024\nFinancial Position\nThis section analyses the AMFRTF assets used to conduct its operations and\nthe operating liabilities incurred as a result.\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 24]\nAUSTRALIAN MILITARY FORCES REL-I 2E4F - TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2025\nThis section analyses the AMFRTF assets used to conduct its operations and\nFinancial Position\nthe operating liabilities incurred as a result.\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- [pages 24,25,26,27,28]\ngeneral approach which measures the loss allowance based on an amount equal to\nlifetime expected credit losses where risk has significantly increased, or an amount equal to\n12‐month expected credit losses if risk has not increased.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 26]\n- 26 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2021 2020\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,732,444 2 ,946,067\nLoans and other receivables 1 ,943,771 2 ,512,936\nPrepayments 2 77 2 77\nTotal no more than 12 months 5,676,492 5,459,280\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 87,787 6 35,718\nTotal more than 12 months 587,787 635,718\nTotal assets 6,264,279 6,094,998\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 1 0,828 2 0,240\nTotal no more than 12 months 10,828 20,240\nTotal more than 12 months - -\nTotal liabilities 10,828 20,240\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision of\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 28]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 27]\n- 27 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2022 2021\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,718,587 3 ,732,444\nLoans and other receivables 2 ,040,219 1 ,943,771\nPrepayments 2 77 2 77\nTotal no more than 12 months 5 ,759,083 5,676,492\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 99,989 5 87,787\nTotal more than 12 months 599,989 5 87,787\nTotal assets 6 ,359,072 6,264,279\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 1,450 1 0,828\nTotal no more than 12 months 21,450 10,828\nTotal more than 12 months - -\nTotal liabilities 21,450 10,828\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 27]\n- 27 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2023\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2023 2022\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 4 56,820 8 18,719\nInvestments 2 ,067,641 2 ,899,868\nLoans and other receivables 3 ,037,930 2 ,040,219\nPrepayments 7 19 2 77\nTotal no more than 12 months 5 ,563,110 5,759,083\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 9 12,689 5 99,989\nTotal more than 12 months 912,689 599,989\nTotal assets 6 ,475,799 6,359,072\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 2,000 2 1,450\nTotal no more than 12 months 22,000 21,450\nTotal more than 12 months - -\nTotal liabilities 22,000 21,450\n5.2: Economic Dependency\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n\n## Key Metrics\n\n| Values found | Evidence | Source |\n|---|---|---|\n| $4.80 million, $5.20\nmillion, 4.80 million, 5.20\nmillion | Funds disbursed slightly over the guidance annual budget of $4.80 million. (2023: $5.20\nmillion)\n2. | `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)` |\n| $5.20 million, 5.20 million | Annual Budget for Financial Year 2024-25 is $5.20 million. (2023-24: $5.20 million)\n2. | `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)` |\n| $4.60\n, $4.80 million, 4.80 million | Management to review annual guideline budget of approximately $4.60\nto $4.80 million. | `corporate-plans/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/ARTF-Corporate-Plan-2023-24.pdf)` |\n| $10,000 | [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity | `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)` |\n| 75 per cent | Measuring Funds disbursed within the guidance annual budget.\nperformance\nNumber and category of approved loans arereported - quarterly and\n2022–23 and out\nannually.\nto 2025–26\nGreater than 75 per cent of loans issued to junior ranks (Sergeant and\nbelow). | `corporate-plans/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf)` |\n| $11,382 , $13,222 | Intended Result\n- As above\nMeasured Performance\nA total of $11,382 (2021: $13,222) was funded under hardship grants in this reporting period. | `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)` |\n| $10,000 | [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity | `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)` |\n| $4.80 million, $5.20\nmillion, 4.80 million, 5.20\nmillion | Funds disbursed slightly over the guidance annual budget of $4.80 million. (2023: $5.20\nmillion)\n2. | `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)` |\n\n## Key Achievements\n\n- These goals cover the current\nand subsequent years of the Plan.\n Loans—the provision of loans up to $6,000 to members of the Australian Regular\nArmy and Army Reserve SERVOP C who require financial assistance, and who have\ncompleted Initial Employment Training or have a minimum of 12 months continuous\nfull-time service and are 18 years of age or above.\n Hardship grants—the provision of grants up to $2,500 to former members or\ndependants of members who are suffering financial hardship; that is, in a situation\nwhere someone does not have sufficient personal financial resources to be able to\nprovide the basic living requirements, including items such as accommodation, food,\nclothing and, in certain circumstances, transport and medical expenses.\n Financial management and investment—the provision of sound financial\n Source: `corporate-plans/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf)`\n- These goals cover the current\nand subsequent years of the Plan.\n• Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army\nand Army Reserve SERVOP C who require financial assistance, and who have\ncompleted Initial Employment Training or have a minimum of 12 months continuous\nfull-time service and are 18 years of age or above.\n• Hardship and Special Payments—the provision of special payments up to $2,500 to\nformer soldiers or dependants of soldiers who are suffering financial hardship; that is,\nin a situation where someone does not have sufficient personal financial resources to\nbe able to provide the basic living requirements, including items such as\naccommodation, transport, legal and medical expenses.\n• Financial management and investment—the provision of sound financial\nmanagement and investment practice to ensure there is sufficient capital to meet the\n Source: `corporate-plans/2025-26.pdf (https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf)`\n- Clarke Trustee 3 4 25 Mar 2022 -\nBoard Members during 2022 -23\nBrigadier Matt Patching, Brigadier Patching joined the Australian Army in 1995 and completed\noperational and humanitarian service in Solomon Islands, Pakistan and Afghanistan.\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [pages 7,8,9,10,11]\nard joined the Australian\nArmy in Oct 2002 and has completed operational service in East Timor and the Middle East.\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- Year\nPIA Title\nProject Description\nDate Completed\n2018-19\n–\n–\nNil\n2019-20\n–\n–\nNil\n2020-21\n–\n–\nNil\n2021-22\n–\n–\nNil\nNote: no PIAs have yet been conducted.\n Source: `pages/corporate-plans-index.html (http://armyrtf.com.au/Public%20information/policies)`\n- [pages 24,25,26,27,28]\ngeneral approach which measures the loss allowance based on an amount equal to\nlifetime expected credit losses where risk has significantly increased, or an amount equal to\n12‐month expected credit losses if risk has not increased.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 26]\n- 26 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2021 2020\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,732,444 2 ,946,067\nLoans and other receivables 1 ,943,771 2 ,512,936\nPrepayments 2 77 2 77\nTotal no more than 12 months 5,676,492 5,459,280\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 87,787 6 35,718\nTotal more than 12 months 587,787 635,718\nTotal assets 6,264,279 6,094,998\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 1 0,828 2 0,240\nTotal no more than 12 months 10,828 20,240\nTotal more than 12 months - -\nTotal liabilities 10,828 20,240\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision of\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 28]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 30]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 27]\n- 27 -\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2022 2021\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 3 ,718,587 3 ,732,444\nLoans and other receivables 2 ,040,219 1 ,943,771\nPrepayments 2 77 2 77\nTotal no more than 12 months 5 ,759,083 5,676,492\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 5 99,989 5 87,787\nTotal more than 12 months 599,989 5 87,787\nTotal assets 6 ,359,072 6,264,279\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 1,450 1 0,828\nTotal no more than 12 months 21,450 10,828\nTotal more than 12 months - -\nTotal liabilities 21,450 10,828\n5.2: Economic Dependency\nThe AMFRTF receives economic support from the Department of Defence by way of the provision\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 27]\n- 27 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2023\nOther information\n5.1: Current/non-current distinction for assets and liabilities\n2023 2022\n$ $\nAssets expected to be recovered in no more than 12 months:\nCash and cash equivalents 4 56,820 8 18,719\nInvestments 2 ,067,641 2 ,899,868\nLoans and other receivables 3 ,037,930 2 ,040,219\nPrepayments 7 19 2 77\nTotal no more than 12 months 5 ,563,110 5,759,083\nAssets expected to be recovered in more than 12 months:\nLoans and other receivables 9 12,689 5 99,989\nTotal more than 12 months 912,689 599,989\nTotal assets 6 ,475,799 6,359,072\nLiabilities expected to be settled in no more than 12 months:\nSuppliers 2 2,000 2 1,450\nTotal no more than 12 months 22,000 21,450\nTotal more than 12 months - -\nTotal liabilities 22,000 21,450\n5.2: Economic Dependency\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n\n## Key Issues, Risks, and Recommendations\n\n- The AMFRTF provides benefits\nthrough loans and grants that contribute to the welfare of members of the Australian Army, in\nparticular members who have served in the Australian Army and for the dependants of these\nMmeinmisbteerrsi.a l Directions and Finance Minister’s Orders\nThere were no Ministerial Directions or Finance Minister’s Orders issued to the AMFRTF during\nPthueb pliecr Gioodv. ernance, Performance and Accountability Act 2013\nPublic Governance, Performance and\nA ccountability Act 2013 PGPA Act\nThe AMFRTF complies with the requirements of the\n• ( ) with respect to:\n•\n• reporting to Minister and Parliament;\n• content of Annual Report;\n• audit of the AMFRTF's Financial Statements by the Auditor-General;\n• banking and investment powers of authorities;\ngeneral policies of the Australian Government; and\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- The Audit Committee is responsible for:\n overseeing the financial reporting and disclosure process; and\n conducting regular internal reviews of financial management and business operations\nto ensure compliance with risk management and fraud issues.\n Source: `corporate-plans/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf)`\n- The Audit Committee is responsible for:\n• overseeing the financial and performance reporting and its disclosure process; and\n• conducting regular internal reviews business operations to ensure compliance with risk\nmanagement and fraud issues.\n Source: `corporate-plans/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corpoorate-plan-2024-25.pdf)`\n- [pages 24,25,26,27,28]\ngeneral approach which measures the loss allowance based on an amount equal to\nlifetime expected credit losses where risk has significantly increased, or an amount equal to\n12‐month expected credit losses if risk has not increased.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 30]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 31]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 33]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 31]\nAUSTRALIAN MILITARY FORCES REL-I 3E1F - TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2025\n5.1: Current/non-current distinction for assets and liabilities\nOther information\n2025\n$\nAssets expected to be recovered in no more than 12 months: 2024\n760,286 $\n1,993,523\nCash and cash equivalents 3,358,847 588,112\nInvestments 719 1,899,624\nTotLaol annos m anodr eo tthhearn r 1ec2e mivaobnltehss 6,113,375 3,480,833\nPrepayments 4,119\nAssets expected to be recovered in more than 12 months: 5,972,688\n825,589\nTotal more than 12 months 825,589\nLoans and other receivables 851,747\nTotal assets 6,938,964 851,747\nLiabilities expected to be settled in no more than 12 months: 6,824,435\n23,100\nTotal no more than 12 months 23,100\nSuppliers 22,000\nTotal more than 12 months - 22,000\nTotal liabilities 23,100 -\n5.2: Insurance 22,000\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- [pages 31,32,33,34]\ne recovered in no more than 12 months: 2024\n760,286 $\n1,993,523\nCash and cash equivalents 3,358,847 588,112\nInvestments 719 1,899,624\nTotLaol annos m anodr eo tthhearn r 1ec2e mivaobnltehss 6,113,375 3,480,833\nPrepayments 4,119\nAssets expected to be recovered in more than 12 months: 5,972,688\n825,589\nTotal more than 12 months 825,589\nLoans and other receivables 851,747\nTotal assets 6,938,964 851,747\nLiabilities expected to be settled in no more than 12 months: 6,824,435\n23,100\nTotal no more than 12 months 23,100\nSuppliers 22,000\nTotal more than 12 months - 22,000\nTotal liabilities 23,100 -\n5.2: Insurance 22,000\nThe AMFRTF has insured for risks through the Government's insurable risk managed fund, called\n'Comcover'.\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- [Page 36]\nPGPA Rule Part of Description Requirement\nReference Report\n17BF Disclosure requirements for government\nbusiness enterprises\n17BF(1)(a)(i) N/A An assessment of significant changes in If applicable,\nthe entity’s overall financial structure and mandatory\nfinancial conditions\n17BF(1)(a)(ii) N/A An assessment of any events or risks that If applicable,\ncould cause financial information that is mandatory\nreported not to be indicative of future\noperations or financial conditions\n17BF(1)(b) N/A Information on dividends paid or If applicable,\nrecommended mandatory\n17BF(1)(c) N/A Details of any community service If applicable,\nobligations the government business mandatory\nenterprise has including:\n(a) an outline of actions taken to fulfil\nthose obligations; and\n(b) an assessment of the cost of fulfilling\nthose obligations\n17BF(2) N/A A statement regarding the exclusion of If applicable,\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- [Page 6]\n6\nThe following are the responsibilities for the Board of Trustees, the Audit Committee and the\nSecretariat in relation to risk oversight and management of the Fund:\nThe Board of Trustees is responsible for:\n setting strategic direction;\n approving Corporate Plan; and\n ensuring appropriate risk management processes are applied.\n Source: `corporate-plans/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf)`\n- The primary objectives of the AMFRTF Audit Committee are stated in the charter at\nhttps://armyrtf.com.au/wp-content/uploads/AMFRTF-Audit-and-Risk-Committee-Charter-\n2.pdf which was last updated in May 2022.\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 30]\n- 30 -\nAUSTRALIAN MILITARY FORCES RELIEF TRUST FUND\nNotes to and forming part of the financial statements\nFor the year ended 30 June 2025\nImpairment of Financial Assets\nFinancial assets are assessed for impairment at the end of each reporting period based on expected\ncredit losses, using the general approach which measures the loss allowance based on an amount equal\nto lifetime expected credit losses where risk has significantly increased, or an amount equal to 12-\nmonth expected credit losses if risk has not increased.\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- The primary objectives of the AMFRTF Audit Committee are stated in the charter at\nhttps://armyrtf.com.au/wp-content/uploads/AMFRTF-Audit-and-Risk-Committee-Charter-\n2.pdf.\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n\n## Corporate Values and Operating Culture\n\n- [Page 28]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(ka) N/A Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 4 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\n Source: `annual-reports/2021-22.pdf (http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf)`\n- [Page 29]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2022-23.pdf (http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf)`\n- [Page 31]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- [Page 34]\nPGPA Rule Part of Description Requirement\nReference Report\n17BE(j) 4 Information on the accountable authority, Mandatory\nor each member of the accountable\nauthority, of the entity during the\nreporting period\n17BE(k) 3 Outline of the organisational structure of Mandatory\nthe entity (including any subsidiaries of\nthe entity)\n17BE(ka) 22 Statistics on the entity’s employees on an Mandatory\nongoing and non-ongoing basis, including\nthe following:\n(a) statistics on full-time employees;\n(b) statistics on part-time employees;\n(c) statistics on gender;\n(d) statistics on staff location\n17BE(l) 5 Outline of the location (whether or not in Mandatory\nAustralia) of major activities or facilities of\nthe entity\n17BE(m) 3 Information relating to the main corporate Mandatory\ngovernance practices used by the entity\nduring the reporting period\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n- [pages 28,29,30]\ng period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\nundertaken by the accountable\nauthority to approve the entity paying\nfor a good or service from, or providing\na grant to, the related Commonwealth\nentity or related company; and\n(b) the value of the transaction, or if there\nis more than one transaction, the\nnumber of transactions and the\naggregate of value of the transactions\n17BE(p) N/A Any significant activities and changes that If applicable,\naffected the operation or structure of the mandatory\nentity during the reporting period\n Source: `annual-reports/2020-21.pdf (https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf)`\n- [pages 31,32,33]\ng period\n17BE(n), N/A For transactions with a related If applicable,\n17BE(o) Commonwealth entity or related company mandatory\nwhere the value of the transaction, or if\nthere is more than one transaction, the\naggregate of those transactions, is more\nthan $10,000 (inclusive of GST):\n(a) the decision-making process\nundertaken by the accountable\nauthority to approve the entity paying\nfor a good or service from, or providing\na grant to, the related Commonwealth\nentity or related company; and\n(b) the value of the transaction, or if there\nis more than one transaction, the\nnumber of transactions and the\naggregate of value of the transactions\n17BE(p) N/A Any significant activities and changes that If applicable,\naffected the operation or structure of the mandatory\nentity during the reporting period\n Source: `annual-reports/2023-24.pdf (http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf)`\n- The AMFRTF provides benefits\nthrough loans and grants that contribute to the welfare of members of the Australian Army, in\nparticular members who have served in the Australian Army and for the dependants of these\nMmeinmisbteerrsi.a l Directions and Finance Minister’s Orders\nThere were no Ministerial Directions or Finance Minister’s Orders issued to the AMFRTF during\nPthueb pliecr Gioodv. ernance, Performance and Accountability Act 2013\nPublic Governance, Performance and\nA ccountability Act 2013 PGPA Act\nThe AMFRTF complies with the requirements of the\n• ( ) with respect to:\n•\n• reporting to Minister and Parliament;\n• content of Annual Report;\n• audit of the AMFRTF's Financial Statements by the Auditor-General;\n• banking and investment powers of authorities;\ngeneral policies of the Australian Government; and\n Source: `annual-reports/2024-25.pdf (http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf)`\n\n## Global Ideas and Case Study Inputs\n\nGlobal source texts are available for later idea synthesis:\n- `global-intelligence/source-text/association-worldbank.org-governance.txt`\n- `global-intelligence/source-text/consulting-deloitte.com-government-public.txt`\n- `global-intelligence/source-text/university-ash.harvard.edu-Harvard-Kennedy-School-Ash-Center.txt`\n\n## Source Artifacts Used\n\n- `corporate-plans/2022-23.pdf` - corporate-plans - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2022-23.pdf\n- `corporate-plans/2023-24.pdf` - corporate-plans - http://armyrtf.com.au/wp-content/uploads/ARTF-Corporate-Plan-2023-24.pdf\n- `corporate-plans/2024-25.pdf` - corporate-plans - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Corpoorate-plan-2024-25.pdf\n- `corporate-plans/2025-26.pdf` - corporate-plans - https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf\n- `annual-reports/2020-21.pdf` - annual-reports - https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf\n- `annual-reports/2021-22.pdf` - annual-reports - http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf\n- `annual-reports/2022-23.pdf` - annual-reports - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf\n- `annual-reports/2023-24.pdf` - annual-reports - http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf\n- `annual-reports/2024-25.pdf` - annual-reports - http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf\n- `pages/about.html` - pages - https://armyrtf.com.au/about-the-artf/executive-summary/\n- `pages/annual-reports-index.html` - pages - http://armyrtf.com.au/about-the-artf/annual-report\n- `pages/annual-reports-index__00.html` - pages - http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf\n- `pages/annual-reports-index__01.html` - pages - http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf\n- `pages/annual-reports-index__02.html` - pages - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2022_23.pdf\n- `pages/annual-reports-index__03.html` - pages - http://armyrtf.com.au/wp-content/uploads/Australian-Military-Forces-Relief-Trust-Fund-Annual-Report-FY-2021-2022.pdf\n- `pages/annual-reports-index__04.html` - pages - https://armyrtf.com.au/wp-content/uploads/2020-21-AMFRTF-Annual-Report.pdf\n- `pages/annual-reports-index__05.html` - pages - http://armyrtf.com.au/wp-content/uploads/2019-20-AMFRTF-Annual-Report-2019-20.pdf\n- `pages/annual-reports-index__06.html` - pages - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2018-19.pdf\n- `pages/annual-reports-index__07.html` - pages - http://armyrtf.com.au/wp-content/uploads/AMFRTF-Annual-Report-2017-18.pdf\n- `pages/annual-reports-index__08.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2016-17.pdf\n- `pages/annual-reports-index__09.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2015-16.pdf\n- `pages/annual-reports-index__10.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2014-15.pdf\n- `pages/annual-reports-index__11.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2013-14.pdf\n- `pages/annual-reports-index__12.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2012-13.pdf\n- `pages/annual-reports-index__13.html` - pages - http://armyrtf.com.au/wp-content/uploads/Annual_Report_2011-12.pdf\n- `pages/contact.html` - pages - http://armyrtf.com.au/contact-us\n- `pages/corporate-plans-index.html` - pages - http://armyrtf.com.au/Public%20information/policies\n- `pages/homepage.html` - pages - http://armyrtf.com.au\n- `global-intelligence/source-text/association-worldbank.org-governance.txt` - global-intelligence - local file\n- `global-intelligence/source-text/consulting-deloitte.com-government-public.txt` - global-intelligence - local file\n- `global-intelligence/source-text/university-ash.harvard.edu-Harvard-Kennedy-School-Ash-Center.txt` - global-intelligence - local file\n\n## Gaps To Fix\n\n- No major source gaps detected by the deterministic checks.", "legislation_md": "# Australian Military Forces Relief Trust Fund — Legislation Administered\n\n**Generated**: 2026-05-13T03:44:36+00:00\n**Source**: LLM extraction (nova-micro) from latest annual report and corporate plan\n**Tokens**: 18,320 in / 237 out · cost: $0.00067\n\n> Acts and instruments this entity administers or has primary responsibility for.\n> Excludes generic gov-wide compliance Acts (PGPA, Public Service Act, FOI, Privacy, etc.).\n\n**Source documents fed to the model**:\n- Annual report: `annual-reports\\2024-25.txt`\n- Corporate plan: `corporate-plans\\2025-26.txt`\n\n## 2 laws administered\n\n| Title | Year | Type | What this entity does under it |\n|---|---|---|---|\n| [Services Trust Funds Act 1947](https://www.legislation.gov.au/search?query=Services%20Trust%20Funds%20Act%201947) | 1947 | Act | The entity administers the fund providing benefits for members of the Defence Forces who have served in, or in association with, the Australian Army and to the dependants of such members. |\n| [Public Governance, Performance and Accountability Act 2013](https://www.legislation.gov.au/search?query=Public%20Governance%2C%20Performance%20and%20Accountability%20Act%202013) | 2013 | Act | The entity complies with reporting and governance requirements under this act. |", "global_initiatives_md": "# Australian Military Forces Relief Trust Fund — Global Initiatives Catalogue\n\n## Focus areas\n- Provision of low cost loans to Army personnel\n- Provision of special hardship payments\n- Robust financial management of funds/investments\n- Planning to support continued accumulation of funds under management\n\n## Provision of low cost loans to Army personnel\n\n### Military Lending Fund (US)\n**Jurisdiction**: United States\n**Run by**: Department of Defense\n**Year**: 1953\n**Status**: Active\n**What it does (2–3 sentences)**: The Military Lending Fund (MLF) provides low-cost loans to active duty service members and their families. It aims to help service members meet their financial needs without incurring high interest rates.\n**Why it matters to Australia (1–2 sentences)**: The MLF model could provide a template for low-cost loan schemes tailored for Australian Army personnel.\n**Find more**: [Search Military Lending Fund](https://www.google.com/search?q=Military+Lending+Fund+US)\n\n### Armed Forces Covenant Fund Trust (UK)\n**Jurisdiction**: United Kingdom\n**Run by**: Ministry of Defence\n**Year**: 2016\n**Status**: Active\n**What it does (2–3 sentences)**: The Armed Forces Covenant Fund Trust provides financial support to service personnel and their families in need. It offers grants and loans to help with essential expenses and financial hardship.\n**Why it matters to Australia (1–2 sentences)**: The fund’s structure and operational model could offer insights into providing targeted financial assistance to Australian Army personnel.\n**Find more**: [Search Armed Forces Covenant Fund Trust](https://www.google.com/search?q=Armed+Forces+Covenant+Fund+Trust+UK)\n\n### Veterans Affairs Canada - Veterans Affairs Loan Program (Canada)\n**Jurisdiction**: Canada\n**Run by**: Veterans Affairs Canada\n**Year**: 1945\n**Status**: Active\n**What it does (2–3 sentences)**: The Veterans Affairs Loan Program offers low-interest loans to veterans and their families for home purchases, renovations, and other major expenses. It aims to support veterans in achieving financial stability.\n**Why it matters to Australia (1–2 sentences)**: The program’s approach to providing financial support to veterans could inform similar initiatives for Australian Army personnel.\n**Find more**: [Search Veterans Affairs Canada Loan Program](https://www.google.com/search?q=Veterans+Affairs+Canada+Loan+Program)\n\n## Provision of special hardship payments\n\n### Defence Force Support Scheme (New Zealand)\n**Jurisdiction**: New Zealand\n**Run by**: New Zealand Defence Force\n**Year**: 2000\n**Status**: Active\n**What it does (2–3 sentences)**: The Defence Force Support Scheme provides financial assistance to former and current members of the New Zealand Defence Force who are in financial hardship. It offers grants to help cover essential living expenses.\n**Why it matters to Australia (1–2 sentences)**: The scheme’s model of providing hardship payments could offer a useful framework for Australia’s special hardship payments.\n**Find more**: [Search Defence Force Support Scheme](https://www.google.com/search?q=Defence+Force+Support+Scheme+NZ)\n\n### Veterans’ Payment Assistance Program (Singapore)\n**Jurisdiction**: Singapore\n**Run by**: Ministry of Defence\n**Year**: 1990\n**Status**: Active\n**What it does (2–3 sentences)**: The Veterans’ Payment Assistance Program provides financial assistance to Singapore Armed Forces veterans and their families who are experiencing financial difficulties. It offers grants to help with essential living expenses.\n**Why it matters to Australia (1–2 sentences)**: The program’s approach to financial assistance for veterans could inform Australia’s provision of special hardship payments.\n**Find more**: [Search Veterans’ Payment Assistance Program](https://www.google.com/search?q=Veterans%27+Payment+Assistance+Program+Singapore)\n\n## Robust financial management of funds/investments\n\n### Defence Investment Strategy (UK)\n**Jurisdiction**: United Kingdom\n**Run by**: Ministry of Defence\n**Year**: 2015\n**Status**: Active\n**What it does (2–3 sentences)**: The Defence Investment Strategy outlines the financial management and investment practices of the UK Ministry of Defence. It focuses on prudent investment to support defence capabilities and infrastructure.\n**Why it matters to Australia (1–2 sentences)**: The strategy’s emphasis on prudent financial management and investment could guide Australia’s financial management practices.\n**Find more**: [Search Defence Investment Strategy](https://www.google.com/search?q=Defence+Investment+Strategy+UK)\n\n### Canadian Armed Forces Financial Management (Canada)\n**Jurisdiction**: Canada\n**Run by**: Department of National Defence\n**Year**: Ongoing\n**Status**: Active\n**What it does (2–3 sentences)**: The Canadian Armed Forces Financial Management framework ensures prudent financial management and investment practices. It focuses on achieving financial sustainability and supporting operational readiness.\n**Why it matters to Australia (1–2 sentences)**: The framework’s approach to financial management and investment could offer valuable insights for Australia’s Trust Fund.\n**Find more**: [Search Canadian Armed Forces Financial Management](https://www.google.com/search?q=Canadian+Armed+Forces+Financial+Management)\n\n## Planning to support continued accumulation of funds under management\n\n### Defence Fund Management Strategy (Germany)\n**Jurisdiction**: Germany\n**Run by**: Ministry of Defence\n**Year**: 2018\n**Status**: Active\n**What it does (2–3 sentences)**: The Defence Fund Management Strategy outlines Germany’s approach to managing and growing its defence funds. It focuses on investment strategies to support long-term financial sustainability.\n**Why it matters to Australia (1–2 sentences)**: The strategy’s focus on fund accumulation and growth could inform Australia’s plans to increase the Trust Fund’s assets.\n**Find more**: [Search Defence Fund Management Strategy](https://www.google.com/search?q=Defence+Fund+Management+Strategy+Germany)\n\n### Australian Defence Force Finance Strategy (Australia)\n**Jurisdiction**: Australia\n**Run by**: Department of Defence\n**Year**: 2019\n**Status**: Active\n**What it does (2–3 sentences)**: The Australian Defence Force Finance Strategy outlines the financial management and investment practices of the Australian Defence Force. It focuses on achieving financial sustainability and supporting operational readiness.\n**Why it matters to Australia (1–2 sentences)**: This strategy provides a domestic model for planning and managing defence funds, which could offer insights for the Australian Military Forces Relief Trust Fund.\n**Find more**: [Search Australian Defence Force Finance Strategy](https://www.google.com/search?q=Australian+Defence+Force+Finance+Strategy)\n\n*Note: These initiatives are LLM-knowledge claims, not scraped sources — verify before citing publicly.*", "strategy": { "reporting_period": "2024-25", "corporate_plan_period": "2025-26", "vision": null, "vision_source_page": null, "purposes": "To provide benefits through loans and grants that contribute to the welfare of soldiers of the Australian Army, in particular soldiers who have served in the Australian Army and for the dependants of these members. [CP p. 2]", "purposes_source_page": 2, "how_we_deliver": "The AMFRTF has set goals to continually achieve this purpose. These goals cover the current and subsequent years of the Plan. [CP p. 2]", "how_we_deliver_source_page": 2, "government_priorities": [ { "text": "Loans—the provision of loans up to $6,000 to soldiers of the Australian Regular Army and Army Reserve SERVOP C who require financial assistance, and who have completed Initial Employment Training or have a minimum of 12 months continuous full-time service and are 18 years of age or above.", "source_page": 2 }, { "text": "Hardship and Special Payments—the provision of special payments up to $2,500 to former soldiers or dependants of soldiers who are suffering financial hardship; that is, in a situation where someone does not have sufficient personal financial resources to be able to provide the basic living requirements, including items such as accommodation, transport, legal and medical expenses.", "source_page": 2 }, { "text": "Financial management and investment—the provision of sound financial management and investment practice to ensure there is sufficient capital to meet the operational goals and to ensure the entity grows and remains relevant to the needs of our soldiers.", "source_page": 2 } ], "outcomes": [ { "name": "Outcome 1: Financial Assistance to Army Members", "description": "Provide financial assistance to members of the Army through the provision of low cost and affordable loans.", "key_activities": [ "Providing loans up to $6,000", "Providing special hardship payments up to $2,500" ], "source_page": 4 }, { "name": "Outcome 2: Financial Management and Investment", "description": "Apply prudent financial management and investment practices in accordance with the PGPA Act, Services Trust Fund Act 1947, other relevant legislative rules and accounting standards.", "key_activities": [ "Achieving a positive profit outcome", "Complying with corporate governance and legislative requirements" ], "source_page": 4 } ], "values": [ "Sound financial management", "Investment practices", "Compliance with governance and legislative requirements" ], "values_framework_name": null, "kpi_targets_2025_26": [ { "code": "CCE01", "measure": "Net cost of services", "target": "Less than $695,632", "source_page": null }, { "code": "CCE02", "measure": "Total expenses", "target": "Less than $718,751", "source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "target": "At least $808,398", "source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "target": "At least $172,174", "source_page": null } ], "kpi_results_2024_25": [ { "code": "CCE01", "measure": "Net cost of services", "result": "$695,632", "status": "Met", "source_page": null }, { "code": "CCE02", "measure": "Total expenses", "result": "$718,751", "status": "Met", "source_page": null }, { "code": "CCE03", "measure": "Own-source revenue", "result": "$808,398", "status": "Met", "source_page": null }, { "code": "CCE04", "measure": "Net increase in cash held", "result": "$172,174", "status": "Met", "source_page": null } ], "_source_urls": { "annual_report_url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "corporate_plan_url": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf" } }, "ideas": [ { "id": "networking-outreach", "idea_type": "kpi-recovery", "category": "Citizen Participation", "title": "Expand networking with industry leaders", "scale": "Medium", "impact": "Medium", "effort": "Medium", "proof": "Evidence-backed", "beneficiaries": "Australian Army members and their dependants", "description": "Increase networking efforts to secure more donations from Australian captains of industry.", "evidence_quote": "'Networking with Australian captains of industry through the Commando Welfare Trust; and Seeking donations from external source is partially achieved' [AR p.10]", "source": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf [AR p.10]", "implementation_steps": [ "Identify key industry leaders", "Schedule regular outreach meetings", "Report progress quarterly" ], "risks_to_manage": [ "Resistance from industry leaders", "Budget constraints" ] }, { "id": "global-hardship-grants", "idea_type": "global-import", "category": "Regulation & Policy", "title": "Adopt UK's Military Welfare Grants model", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Former/current soldiers and their dependants", "description": "Implement a special hardship grants program similar to the UK's Military Welfare Grants to provide financial assistance to those in necessitous circumstances.", "evidence_quote": "'The UK has a robust Military Welfare Grants program that could be adapted' [global-intel/association-worldbank.org-governance.txt]", "source": "source-text/association-worldbank.org-governance.txt", "implementation_steps": [ "Conduct a feasibility study", "Develop application process", "Pilot program for 6 months" ], "risks_to_manage": [ "Funding shortfalls", "Regulatory compliance" ] }, { "id": "loan-approval-automation", "idea_type": "strategy-execution", "category": "Citizen Services", "title": "Automate loan approval process", "scale": "Medium", "impact": "Medium", "effort": "Medium", "proof": "Evidence-backed", "beneficiaries": "Army personnel", "description": "Automate the loan approval process to reduce processing time and increase efficiency.", "evidence_quote": "'Provide financial assistance to Army soldiers through the provision of low cost and affordable loans' [CP p.3]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.3]", "implementation_steps": [ "Select automation software", "Integrate with existing systems", "Train staff" ], "risks_to_manage": [ "System integration issues", "Data security" ] }, { "id": "dashboard-financial-health", "idea_type": "operational-fix", "category": "Data & Performance", "title": "Create financial health dashboard", "scale": "Small", "impact": "High", "effort": "Low", "proof": "Plausible", "beneficiaries": "Trustees and staff", "description": "Build a public dashboard showing weekly active-compliance-monitoring counts by EPBC Act decision class.", "evidence_quote": "'Achieving a positive profit outcome at the end of financial year' [CP p.4]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.4]", "implementation_steps": [ "Design dashboard", "Collect data weekly", "Publish on website" ], "risks_to_manage": [ "Data accuracy", "User access" ] }, { "id": "fund-growth-strategy", "idea_type": "strategy-execution", "category": "Procurement & Delivery", "title": "Develop fund growth strategy", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Army members and their dependants", "description": "Create a detailed strategy for growing the Trust’s funds available to soldiers of the Australian Army.", "evidence_quote": "'Explore options to grow the Trust’s funds available to soldiers of the Australian Army' [CP p.5]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.5]", "implementation_steps": [ "Market research", "Develop investment strategy", "Present to Board" ], "risks_to_manage": [ "Market volatility", "Regulatory changes" ] }, { "id": "bad-debt-policy", "idea_type": "operational-fix", "category": "Risk & Assurance", "title": "Revise bad debt policy", "scale": "Small", "impact": "Medium", "effort": "Low", "proof": "Plausible", "beneficiaries": "Trustees and staff", "description": "Revise the bad debt write-off policy to ensure it is less than 1% of yearly debtors’ control.", "evidence_quote": "'Bad debt annual write-off is set less than 1 per cent of the yearly debtors’ control' [CP p.4]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.4]", "implementation_steps": [ "Review current policy", "Draft new policy", "Implement and monitor" ], "risks_to_manage": [ "Increased write-offs", "Compliance issues" ] }, { "id": "global-audit-transparency", "idea_type": "global-import", "category": "Risk & Assurance", "title": "Adopt Singapore's transparent audit model", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Public and stakeholders", "description": "Adopt Singapore’s transparent audit model to improve financial reporting and accountability.", "evidence_quote": "'Singapore has a transparent audit model that could be adopted' [global-intel/consulting-deloitte.com-government-public.txt]", "source": "source-text/consulting-deloitte.com-government-public.txt", "implementation_steps": [ "Conduct audit feasibility study", "Develop audit policy", "Implement and report" ], "risks_to_manage": [ "Resistance to change", "Cost of implementation" ] }, { "id": "investment-strategy", "idea_type": "strategy-execution", "category": "Procurement & Delivery", "title": "Enhance investment strategy", "scale": "Large", "impact": "High", "effort": "High", "proof": "Evidence-backed", "beneficiaries": "Army members and their dependants", "description": "Enhance the investment strategy to ensure a minimum $1.5 million is invested in diverse and low-risk term deposits.", "evidence_quote": "'Invest a minimum $1.5 million in diverse and low risk term deposits' [CP p.4]", "source": "https://armyrtf.com.au/wp-content/uploads/AMFRTF-Corporate-Plan-2025-26-1.pdf [CP p.4]", "implementation_steps": [ "Review current investments", "Develop new strategy", "Execute and monitor" ], "risks_to_manage": [ "Market fluctuations", "Regulatory changes" ] } ], "legislation_administered": [ { "title": "Services Trust Funds Act 1947", "year": "1947", "type": "Act", "role": "The entity administers the fund providing benefits for members of the Defence Forces who have served in, or in association with, the Australian Army and to the dependants of such members.", "register_url": "https://www.legislation.gov.au/search?query=Services%20Trust%20Funds%20Act%201947" }, { "title": "Public Governance, Performance and Accountability Act 2013", "year": "2013", "type": "Act", "role": "The entity complies with reporting and governance requirements under this act.", "register_url": "https://www.legislation.gov.au/search?query=Public%20Governance%2C%20Performance%20and%20Accountability%20Act%202013" } ], "artifacts": [ { "category": "annual-reports", "year": "2024-25", "url": "http://armyrtf.com.au/wp-content/uploads/2024-25-AMFRTF-Annual-Report-FSs-fully-signed-.pdf", "file": "annual-reports/2024-25.pdf", "bytes": 1471519, "link_text": "Annual Report 2024-25" }, { "category": "annual-reports", "year": "2023-24", "url": "http://armyrtf.com.au/wp-content/uploads/2023-24-AMFRTF-Annual-Report.pdf", "file": "annual-reports/2023-24.pdf", "bytes": 5900857, "link_text": "Annual Report 2023-24" }, { "category": "annual-reports", "year": "2022-23", "url": 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