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Labrador Iron Ore Royalty Corporation - Results for the Third Quarter Ended

Financials

Labrador Iron Ore Royalty Corporation -

Results for the Third Quarter Ended

September 30, 2020

TORONTO

,

Nov. 5, 2020

/CNW/ - Labrador Iron Ore Royalty Corporation ("LIORC"), (TSX: LIF)

announced today its operation and cash flow results for the third quarter ended

September 30,

2020

.

Royalty revenue for the third quarter of 2020 amounted to

$52.4 million

compared to

$45.5 million

for the third quarter of 2019. Net income was

$57.7 million

or

$0.90

per share for the third quarter of

2020 compared to

$57.5 million

or

$0.90

per share for the same period in 2019. Equity earnings

from Iron Ore Company of

Canada

("IOC") amounted to

$34.9 million

or

$0.55

per share in the third

quarter of 2020 compared to

$28.7 million

or

$0.45

per share in the second quarter of 2020 and

$32.0 million

or

$0.50

per share in the third quarter of 2019. Cash flow from operations for the third

quarter was

$11.1 million

or

$0.17

per share compared to

$72.6 million

or

$1.13

per share for the

same period in 2019. The third quarter of 2019 included a dividend of

$40.1 million

or

$0.63

per

share from IOC.

Royalty revenue for the third quarter of 2020 was 15% higher than the third quarter of 2019,

predominantly as a result of higher realized iron ore prices and marginally higher sales tonnage.

While prices for concentrate were higher in the third quarter of 2020 compared to the third quarter of

2019, pellet premiums were lower. The average price for the Platts index for 62%

Fe Iron Ore

, CFR

China ("62% Fe index") increased 16% to

US$118

per tonne in the third quarter of 2020, compared

to the average price of

US$102

per tonne in the third quarter of 2019. The Atlantic Basin blast

furnace pellet premium, as reported by Platts, averaged

US$29

per tonne in the third quarter of

2020, a 49% decrease over the third quarter of 2019. Despite the impacts on the operations of IOC

from the COVID-19 pandemic, the total IOC's sales for calculating the royalty to LIORC

(concentrate for sale ("CFS") plus pellets) of 4.7 million tonnes were 3% higher in the third quarter of

2020 compared to the same period in 2019. However, while pellet sales in the third quarter of 2020

of 2.3 million tonnes were 15% higher than in the third quarter of 2019, CFS sales of 2.3 million

tonnes were 6% lower than in the same period in 2019. Cash flow from operations in the third

quarter of 2020 was lower than in the third quarter of 2019 largely because IOC elected not to pay

a shareholder dividend in the third quarter of 2020 in order to retain a substantially higher cash

balance due to concerns that the COVID-19 pandemic may adversely affect IOC's operations and

demand for its iron ore products. Equity earnings from IOC in the third quarter of 2020 were higher

than in the third quarter of 2019, mainly due to higher realized iron ore prices.

LIORC's results for the three months and nine months ended

September 30

are summarized below:

(in millions except per share information)

3 Months

Ended

Sept. 30,

2020

3 Months

Ended

Sept. 30,

2019

9 Months

Ended

Sept. 30,

2020

9 Months

Ended

Sept. 30,

2019

(Unaudited)

Revenue

$52.9

$46.2

$147.9

$138.7

Cash flow from operations

$11.1

$72.6

$59.4

$145.4

Operating cash flow per share

$0.17

$1.13

$0.93

$2.27

Net income

$57.7

$57.5

$153.2

$157.9

Net income per share

$0.90

$0.90

$2.39

$2.47

Iron Ore Company of Canada Operations

Production

Total concentrate production in the third quarter of 2020 was 4.2 million tonnes. This was 21% lower

than the third quarter of 2019 and 12% lower than the second quarter of 2020 due mainly to

unplanned mechanical issues and power outages affecting the processing plant and a longer annual

maintenance shutdown in September.

During the third quarter of 2020, total saleable production (CFS plus pellets) of 4.0 million tonnes

was 21% lower than the third quarter of 2019, mainly as a result of lower concentrate production

referred to above. CFS production in the third quarter of 2020 of 1.8 million tonnes was 26% lower

than in the third quarter of 2019 and 32% lower than the second quarter of 2020. Pellet production in

the third quarter of 2020 of 2.2 million tonnes was 17% lower than the third quarter of 2019, and 5%

higher than the second quarter of 2020. Pellet production in the third quarter of 2020 was reduced

due to IOC's decision to continue to align the product mix with customer demand by having one

pellet line retired from operations during the quarter because of low demand from

Europe

. In the

third quarter of 2019 all six pellet lines were in operation and in the second quarter of 2020 two

pellet lines were retired from operations because of low European pellet demand. Pellet production

in the third quarter of 2020 was also adversely impacted by the lack of pellet feed due to the

concentrator issues noted above and a rescheduled two-month outage to rebuild one of the pellet

lines from March to September due to COVID-19.

Total concentrate production for the nine months of 2020 was 13.8 million tonnes. This was 4%

lower compared to the same period in the prior year, mainly as a result of the unplanned mechanical

issues and power outages affecting the processing plant in the third quarter of 2020. Pellet

production for the nine months of 2020 of 7.1 million tonnes was 7% lower compared to the same

period in the prior year, mainly as a result of the decision to temporarily retire pellet lines from

operations to align the product mix with customer demand. CFS production for the nine months of

2020 of 5.9 million tonnes was the same as the same period in the prior year.

Sales as Reported for the LIORC Royalty

Total iron ore sales tonnage by IOC (CFS plus pellets) of 4.7 million tonnes in the third quarter of

2020 was 3% higher compared to the same period in 2019. In the third quarter of 2020 CFS

tonnage sold by IOC was 6% lower than in the same period in 2019 due to lower CFS production.

Pellet sales tonnage was 15% higher than in the third quarter of 2019 mainly due to availability

issues with ship-loaders in the third quarter of 2019, and 4% higher than the second quarter of 2020

due to an increase in pellet production as one of the two pellet lines retired in the first quarter of

2020 was brought back online in July as the demand for pellets in

Europe

improved.

Total iron ore sales tonnage by IOC (CFS plus pellets) for the nine months of 2020 was 14.0 million

tonnes. This was 11% higher compared to the same period in 2019. CFS tonnage sold by IOC for

the nine months of 2020 of 6.3 million tonnes was 17% higher compared to the same period in the

prior year, mainly due to breakdowns on reclaiming and ship-loading equipment in the third quarter of

2019. Pellet tonnage sold by IOC for the nine months of 2020 of 7.6 million tonnes was 6% higher

compared to the same period in the prior year, mainly due to breakdowns on reclaiming and ship-

loading equipment in the third quarter of 2019, offset by lower pellet production in the second and

third quarter of 2020 due to the decision to temporarily retire pellet lines from operations to align the

product mix with customer demand.

IOC sells CFS based on the Platts index for 65%

Fe Iron Ore

, CFR China ("65% Fe index"). In the

third quarter of 2020 the average price for the 65% Fe index was

US$129

per tonne, a 18%

increase from the average price in the third quarter of 2019 and a 19% increase from the second

quarter of 2020. Prices for iron ore concentrate increased in the third quarter of 2020, due to

continuing strong demand from

China

and tighter supply conditions. In the third quarter the 65% Fe

index traded at an average premium of 9% to the 62% Fe index. This was higher than the 7%

average premium in the third quarter of 2019 but was lower than the average premium of 16% in the

second quarter of 2020, as higher prices caused some steel producers to switch to lower grade iron

ore.

Despite an increase in pellet demand in

Europe

, overall low global steel demand and margins

outside of

China

, and high iron ore base prices, pushed pellet premiums lower in the third quarter of

2020 to multi-year lows. The Atlantic Basin blast furnace pellet premium, as reported by Platts,

averaged

US$29

per tonne in the third quarter of 2020, a 49% decrease over the third quarter of

2019 and a 5% decrease over the second quarter of 2020.

Higher prices for CFS, partially offset by lower pellet premiums resulted in royalty revenue for

LIORC in the third quarter of 2020 increasing 15% compared to the royalty revenue in the third

quarter of 2019.

A summary of IOC's sales for calculating the royalty to LIORC in millions of tonnes is as follows:

3 Months

Ended

Sept. 30,

2020

3 Months

Ended

Sept. 30,

2019

9 Months

Ended

Sept. 30,

2020

9 Months

Ended

Sept. 30,

2019

Year

Ended

Dec. 31,

2019

Pellets

2.35

2.04

7.61

7.17

9.62

Concentrates

(1)

2.31

2.46

6.35

5.43

7.51

Total

(2)

4.65

4.51

13.96

12.60

17.14

(1)

Excludes third party ore sales.

(2)

Totals may not add up due to rounding.

Outlook

IOC production and sales volumes remain on target despite the additional challenges presented by

COVID-19. In its third quarter operational report, Rio Tinto recently reaffirmed its 2020 guidance for

IOC's saleable production of CFS and pellets at between 17.9 and 20.4 million tonnes.

IOC continues to optimise its product mix to match market demand. Following signs of some

recovery in pellet demand from

Europe

, IOC increased pellet production in the third quarter by

operating five out of six lines in the pellet plant, and plans to bring back the sixth line before the end

of 2020.

Iron ore prices currently remain at multi-year highs. Since

September 30, 2020

the average price for

the 65% Fe index has remained above the average during the third quarter of 2020. Global

economic activity is generally strong, and iron ore demand in

China

is at record levels as a result of

commodity-intensive stimulus measures. However, steel production outside of

China

remains down

significantly year over year, and earlier constraints on seaborne iron ore as a result of supply

disruptions due to COVID-19 are easing and the major producers are expected to deliver strong

volumes in the fourth quarter of 2020 which could result in lower iron ore prices. Also, there remain

concerns of renewed lockdowns as a result of the ongoing COVID-19 pandemic that could threaten

IOC operations and the global economic recovery.

IOC remains well positioned to benefit from its royalty and equity investments in IOC given strong

iron ore market conditions and current production levels. In the nine months of 2020, LIORC paid a

total of

$1.25

per share in dividends to shareholders from cash received from its IOC royalty. In

addition, LIORC's share of equity earnings in IOC was

$88.3 million

. However, despite the positive

earnings at IOC, IOC decided not to declare a shareholder dividend in the nine months of 2020, in

order to retain a higher cash balance because of the global economic uncertainty created by the

COVID-19 pandemic. As a result, should IOC continue to be able to successfully operate

throughout the duration of the COVID-19 pandemic, LIORC would expect that this substantial cash

balance at IOC will ultimately benefit LIORC in the form of higher future IOC dividends. LIORC

continues to maintain a strong balance sheet with no debt and positive working capital (current

assets minus current liabilities) of

$29.8 million

as at

September 30

, 2020.

Respectfully submitted on behalf of the Directors of Labrador Iron Ore Royalty Corporation,

John F. Tuer

President and Chief Executive Officer

November 5, 2020

Management's Discussion and Analysis

The following discussion and analysis should be read in conjunction with the Management's

Discussion and Analysis section of the Corporation's 2019 Annual Report, and the financial

statements and notes contained therein and the

September 30, 2020

interim condensed

consolidated financial statements. The Corporation's revenues are entirely dependent on the

operations of IOC as its principal assets relate to the operations of IOC and its principal source of

revenue is the 7% royalty it receives on all sales of iron ore products by IOC. In addition to the

volume of iron ore sold, the Corporation's royalty revenue is affected by the price of iron ore and the

Canadian – U.S. dollar exchange rate.

The first quarter sales of IOC are traditionally adversely affected by the closing of the St. Lawrence

Seaway and general winter operating conditions and are usually 15% – 20% of the annual volume,

with the balance spread fairly evenly throughout the other three quarters. Because of the size of

individual shipments, some quarters may be affected by the timing of the loading of ships that can be

delayed from one quarter to the next.

Royalty revenue for the third quarter of 2020 amounted to

$52.4 million

compared to

$45.5 million

for the third quarter of 2019. Net income was

$57.7 million

or

$0.90

per share for the third quarter of

2020 compared to

$57.5 million

or

$0.90

per share for the same period in 2019. Equity earnings

from IOC amounted to

$34.9 million

or

$0.55

per share in the third quarter of 2020 compared to

$28.7 million

or

$0.45

per share in the second quarter of 2020 and

$32.0 million

or

$0.50

per share

in the third quarter of 2019. Cash flow from operations for the third quarter was

$11.1 million

or

$0.17

per share compared to

$72.6 million

or

$1.13

per share for the same period in 2019. The

third quarter of 2019 included a dividend of

$40.1 million

or

$0.63

per share from IOC.

Royalty revenue for the third quarter of 2020 was 15% higher than the third quarter of 2019,

predominantly as a result of higher realized iron ore prices and marginally higher sales tonnage.

While prices for concentrate were higher in the third quarter of 2020 compared to the third quarter of

2019, pellet premiums were lower. The average price for the 62% Fe index increased 16% to

US$118

per tonne in the third quarter of 2020, compared to the average price of

US$102

per tonne

in the third quarter of 2019. The Atlantic Basin blast furnace pellet premium, as reported by Platts,

averaged

US$29

per tonne in the third quarter of 2020, a 49% decrease over the third quarter of

2019. Despite the impacts on the operations of IOC from the COVID-19 pandemic, the total IOC's

sales for calculating the royalty to LIORC (CFS plus pellets) of 4.7 million tonnes were 3% higher in

the third quarter of 2020 compared to the same period in 2019. However, while pellet sales in the

third quarter of 2020 of 2.3 million tonnes were 15% higher than in the third quarter of 2019, CFS

sales of 2.3 million tonnes were 6% lower than in the same period in 2019. Cash flow from

operations in the third quarter of 2020 was lower than in the third quarter of 2019 largely because

IOC elected not to pay a shareholder dividend in the third quarter of 2020 in order to retain a

substantially higher cash balance due to concerns that the COVID-19 pandemic may adversely

affect IOC's operations and demand for its iron ore products. Equity earnings from IOC in the third

quarter of 2020 were higher than in the third quarter of 2019, mainly due to higher realized iron ore

prices.

Total concentrate production in the third quarter of 2020 was 4.2 million tonnes. This was 21% lower

than the third quarter of 2019 and 12% lower than the second quarter of 2020 due mainly to

unplanned mechanical issues and power outages affecting the processing plant and a longer annual

maintenance shutdown in September.

During the third quarter of 2020, total saleable production (CFS plus pellets) of 4.0 million tonnes

was 21% lower than the third quarter of 2019, mainly as a result of lower concentrate production

referred to above. CFS production in the third quarter of 2020 of 1.8 million tonnes was 26% lower

than in the third quarter of 2019 and 32% lower than the second quarter of 2020. Pellet production in

the third quarter of 2020 of 2.2 million tonnes was 17% lower than the third quarter of 2019, and 5%

higher than the second quarter of 2020. Pellet production in the third quarter of 2020 was reduced

due to IOC's decision to continue to align the product mix with customer demand by having one

pellet line retired from operations during the quarter because of low demand from

Europe

. In the

third quarter of 2019 all six pellet lines were in operation and in the second quarter of 2020 two

pellet lines were retired from operations because of low European pellet demand. Pellet production

in the third quarter of 2020 was also adversely impacted by the lack of pellet feed due to the

concentrator issues noted above and a rescheduled two-month outage to rebuild one of the pellet

lines from March to September due to COVID-19.

Total concentrate production for the nine months of 2020 was 13.8 million tonnes. This was 4%

lower compared to the same period in the prior year, mainly as a result of the unplanned mechanical

issues and power outages affecting the processing plant in the third quarter of 2020. Pellet

production for the nine months of 2020 of 7.1 million tonnes was 7% lower compared to the same

period in the prior year, mainly as a result of the decision to temporarily retire pellet lines from

operations to align the product mix with customer demand. CFS production for the nine months of

2020 of 5.9 million tonnes was the same as the same period in the prior year.

Total iron ore sales tonnage by IOC (CFS plus pellets) of 4.7 million tonnes in the third quarter of

2020 was 3% higher compared to the same period in 2019. In the third quarter of 2020 CFS

tonnage sold by IOC was 6% lower than in the same period in 2019 due to lower CFS production.

Pellet sales tonnage was 15% higher than in the third quarter of 2019 mainly due to availability

issues with ship-loaders in the third quarter of 2019, and 4% higher than the second quarter of 2020

due to an increase in pellet production as one of the two pellet lines retired in the first quarter of

2020 was brought back online in July as the demand for pellets in

Europe

improved.

Total iron ore sales tonnage by IOC (CFS plus pellets) for the nine months of 2020 was 14.0 million

tonnes. This was 11% higher compared to the same period in 2019. CFS tonnage sold by IOC for

the nine months of 2020 of 6.3 million tonnes was 17% higher compared to the same period in the

prior year, mainly due to breakdowns on reclaiming and ship-loading equipment in the third quarter of

2019. Pellet tonnage sold by IOC for the nine months of 2020 of 7.6 million tonnes was 6% higher

compared to the same period in the prior year, mainly due to breakdowns on reclaiming and ship-

loading equipment in the third quarter of 2019, offset by lower pellet production in the second and

third quarter of 2020 due to the decision to temporarily retire pellet lines from operations to align the

product mix with customer demand.

IOC sells CFS based on the 65% Fe index. In the third quarter of 2020 the average price for the

65% Fe index was

US$129

per tonne, a 18% increase from the average price in the third quarter of

2019 and a 19% increase from the second quarter of 2020. Prices for iron ore concentrate

increased in the third quarter of 2020, due to continuing strong demand from

China

and tighter

supply conditions. In the third quarter the 65% Fe index traded at an average premium of 9% to the

62% Fe index. This was higher than the 7% average premium in the third quarter of 2019 but was

lower than the average premium of 16% in the second quarter of 2020, as higher prices caused

some steel producers to switch to lower grade iron ore.

Despite an increase in pellet demand in

Europe

, overall low global steel demand and margins

outside of

China

, and high iron ore base prices, pushed pellet premiums lower in the third quarter of

2020 to multi-year lows. The Atlantic Basin blast furnace pellet premium, as reported by Platts,

averaged

US$29

per tonne in the third quarter of 2020, a 49% decrease over the third quarter of

2019 and a 5% decrease over the second quarter of 2020.

Higher prices for CFS, partially offset by lower pellet premiums resulted in royalty revenue for

LIORC in the third quarter of 2020 increasing 15% compared to the royalty revenue in the third

quarter of 2019.

Results for the nine months were affected by the same factors as affected the three month period.

The following table sets out quarterly revenue, net income and cash flow data for 2020, 2019 and

2018.

Revenue

Net

Income

Net Income per

Share

Cash

Flow

Cash Flow from Operations per

Share

Adjusted Cash Flow per Share

(1)

Dividends Declared per

Share

(in millions except per share information)

2020

First Quarter

$48.3

$46.7

$0.73

$10.7

$0.17

$0.42

$0.35

Second

Quarter

$46.7

$48.9

$0.76

$37.6

$0.58

$0.40

$0.45

Third Quarter

$52.9

$57.7

$0.90

$11.1

$0.17

$0.46

$0.45

2019

First Quarter

$39.2

$39.3

$0.61

$25.0

$0.39

$0.34

$1.05

Second

Quarter

$53.3

$61.1

$0.95

$47.8

(2)

$0.75

(2)

$0.86

(2)

$0.90

Third Quarter

$46.2

$57.5

$0.90

$72.6

(3)

$1.13

(3)

$1.02

(3)

$1.00

Fourth

Quarter

$39.6

$47.4

$0.74

$79.1

(4)

$1.24

(4)

$1.03

(4)

$1.05

2018

First Quarter

$34.3

$30.3

$0.47

$20.3

$0.32

$0.29

$0.35

Second

Quarter

$5.2

$(3.3)

$(0.05)

$15.5

$0.24

$0.04

$0.25

Third Quarter

$44.6

$58.1

$0.91

$59.7

(5)

$0.93

(5)

$1.30

(5)

$0.55

Fourth

Quarter

$46.8

$43.4

$0.68

$53.3

(6)

$0.83

(6)

$0.79

(6)

$0.60

(1)

"Adjusted cash flow" (see below).

(2)

Includes $25.4 million IOC dividend.

(3)

Includes $40.1 million IOC dividend.

(4)

Includes $44.6 million IOC dividend.

(5)

Includes $58.6 million IOC dividend.

(6)

Includes $25.3 million IOC dividend.

Standardized Cash Flow and Adjusted Cash Flow

For the Corporation, standardized cash flow is the same as cash flow from operating activities as

recorded in the Corporation's cash flow statements as the Corporation does not incur capital

expenditures or have any restrictions on dividends. Standardized cash flow per share was

$0.17

for

the quarter (2019 -

$1.13

). Cumulative standardized cash flow from inception of the Corporation is

$31.90

per share and total cash distributions since inception is

$31.59

per share, for a payout ratio

of 99%.

The Corporation also reports "Adjusted cash flow" which is defined as cash flow from operating

activities after adjustments for changes in amounts receivable, accounts payable and income taxes

recoverable and payable. It is not a recognized measure under International Financial Reporting

Standards ("IFRS"). The Directors believe that adjusted cash flow is a useful analytical measure as

it better reflects cash available for dividends to shareholders.

The following reconciles standardized cash flow from operating activities to adjusted cash flow (in

'000's).

3 Months Ended

Sept. 30, 2020

3 Months Ended

Sept. 30, 2019

9 Months Ended

Sept. 30, 2020

9 Months Ended

Sept. 30, 2019

Standardized cash flow from operating activities

$11,084

$72,646

$59,351

$145,446

Changes in amounts receivable, accounts payable and income taxes payable

18,070

(7,049)

22,268

(3,557)

Adjusted cash flow

$29,154

$65,597

$81,619

$141,889

Adjusted cash flow per share

$0.46

$1.02

$1.28

$2.22

Liquidity and Capital Resources

The Corporation had

$18.8 million

in cash as at

September 30, 2020

(

December 31, 2019

-

$77.9

million

) with total current assets of

$73.3 million

(

December 31, 2019

-

$114.0 million

). The

Corporation had working capital of

$29.8 million

as at

September 30, 2020

(

December 31, 2019

-

$28.2 million

). The Corporation's operating cash flow for the quarter of

$11.1 million

was negatively

impacted by the payment of previously delayed income tax instalments and the higher royalty

receivable. The dividend paid during the quarter was

$28.8 million

, resulting in cash balances

decreasing by

$17.7 million

during the third quarter of 2020.

Cash balances consist of deposits in Canadian dollars with Canadian chartered banks. Amounts

receivable primarily consist of royalty payments from IOC. Royalty payments are received in U.S.

dollars and converted to Canadian dollars on receipt, usually 25 days after the quarter end. The

Corporation does not normally attempt to hedge this short-term foreign currency exposure.

Operating cash flow of the Corporation is sourced entirely from IOC through the Corporation's 7%

royalty,

10 cents

commission per tonne and dividends from its 15.10% equity interest in IOC. The

Corporation normally pays cash dividends from its net income to the maximum extent possible,

subject to the maintenance of appropriate levels of working capital.

The Corporation has a

$30 million

revolving credit facility with a term ending

September 18, 2022

with provision for annual one-year extensions. No amount is currently drawn under this facility (2019

– nil) leaving

$30.0 million

available to provide for any capital required by IOC or requirements of the

Corporation.

Outlook

IOC production and sales volumes remain on target despite the additional challenges presented by

COVID-19. In its third quarter operational report, Rio Tinto recently reaffirmed its 2020 guidance for

IOC's saleable production of CFS and pellets at between 17.9 and 20.4 million tonnes.

IOC continues to optimise its product mix to match market demand. Following signs of some

recovery in pellet demand from

Europe

, IOC increased pellet production in the third quarter by

operating five out of six lines in the pellet plant and plans to bring back the sixth line before the end

of 2020.

Iron ore prices currently remain at multi-year highs. Since

September 30, 2020

the average price for

the 65% Fe index has remained above the average during the third quarter of 2020. Global

economic activity is generally strong, and iron ore demand in

China

is at record levels as a result of

commodity-intensive stimulus measures. However, steel production outside of

China

remains down

significantly year over year, and earlier constraints on seaborne iron ore as a result of supply

disruptions due to COVID-19 are easing and the major producers are expected to deliver strong

volumes in the fourth quarter of 2020 which could result in lower iron ore prices. Also, there remain

concerns of renewed lockdowns as a result of the ongoing COVID-19 pandemic that could threaten

IOC operations and the global economic recovery.

IOC remains well positioned to benefit from its royalty and equity investments in IOC given strong

iron ore market conditions and current production levels. In the nine months of 2020, LIORC paid a

total of

$1.25

per share in dividends to shareholders from cash received from its IOC royalty. In

addition, LIORC's share of equity earnings in IOC was

$88.3 million

. However, despite the positive

earnings at IOC, IOC decided not to declare a shareholder dividend in the nine months of 2020, in

order to retain a higher cash balance because of the global economic uncertainty created by the

COVID-19 pandemic. As a result, should IOC continue to be able to successfully operate

throughout the duration of the COVID-19 pandemic, LIORC would expect that this substantial cash

balance at IOC will ultimately benefit LIORC in the form of higher future IOC dividends. LIORC

continues to maintain a strong balance sheet with no debt and positive working capital (current

assets minus current liabilities) of

$29.8 million

as at

September 30

, 2020.

John F. Tuer

President and Chief Executive Officer

Toronto, Ontario

November 5, 2020

Forward-Looking Statements

This report may contain ''forward-looking'' statements that involve risks, uncertainties and other

factors that may cause the actual results, performance or achievements to be materially different

from any future results, performance or achievements expressed or implied by such forward-looking

statements. Words such as ''may'', ''will'', ''expect'', ''believe'', ''plan'', ''intend'', ''should'', ''would'',

''anticipate'' and other similar terminology are intended to identify forward-looking statements. These

statements reflect current assumptions and expectations regarding future events and operating

performance as of the date of this report. Forward-looking statements involve significant risks and

uncertainties, should not be read as guarantees of future performance or results, and will not

necessarily be accurate indications of whether or not such results will be achieved. A number of

factors could cause actual results to vary significantly, including iron ore price and volume volatility,

exchange rates, the performance of IOC, market conditions in the steel industry, mining risks and

insurance, relationships with indigenous groups, natural disasters, severe weather conditions and

public health epidemics, changes affecting IOC's customers, competition from other iron ore

producers, estimates of reserves and resources and government regulation and taxation. A

discussion of these factors is contained in LIORC's annual information form dated

March 5, 2020

under the heading, ''Risk Factors''. Although the forward-looking statements contained in this report

are based upon what management of LIORC believes are reasonable assumptions, LIORC cannot

assure investors that actual results will be consistent with these forward-looking statements. These

forward-looking statements are made as of the date of this report and LIORC assumes no

obligation, except as required by law, to update any forward-looking statements to reflect new

events or circumstances. This report should be viewed in conjunction with LIORC's other publicly

available filings, copies of which can be obtained electronically on SEDAR at

www.sedar.com

.

Notice:

The following unaudited interim condensed consolidated financial statements of the Corporation have

been prepared by and are the responsibility of the Corporation's management. The Corporation's

independent auditor has not reviewed these interim financial statements.

LABRADOR IRON ORE ROYALTY CORPORATION

INTERIM CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL POSITION

As at

September 30,

December 31,

(in thousands of Canadian dollars)

2020

2019

(Unaudited)

Assets