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2023-03-31-accounts

REGISTERED CHARITY NUMBER: 1026791

TRUSTEES' REPORT AND

UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2023

FOR GUILDFORD UNDETECTED TUMOUR SCREENING

(GUTS)

Centora Ltd Jury Farm, Ripley Lane West Horsley KT24 6JT

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2023

Page
Trustees' Report 1 to 4
Independent Examiner's Report 5
Statement of Financial Activities 6
Balance Sheet 7
Notes to the Financial Statements 8 to 13
Detailed Statement of Financial Activities 14 to 15

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 MARCH 2023

INTRODUCTION

In the United Kingdom, around 18,000 people die from colon cancer every year. Many of those deaths could be prevented by earlier diagnosis. People over 50 and anyone with a history of colon cancer in the family, who experience changes in their bowel habit, are particularly at risk. GUTS was set up in 1983 with the stated purpose of improving the early detection of bowel cancer. The charity established one of the first local population screening programmes for bowel cancer, working with GP practices in Surrey, West Sussex and Hampshire. In 2006 a Bowel Cancer Screening Programme was set up in England and, with the active and financial support of GUTS, the centre for the South of England was based in Guildford. This programme currently offers screening to everyone between the ages 56 and 74, and is available, on request, beyond 74 years of age. The programme is currently being extended to ages 50-74. For those outside this age range, GUTS continues to advise families and others at risk, through its Colorectal Cancer Family Clinic.

ORGANISATION STRUCTURE, GOVERNANCE AND MANAGEMENT OF THE CHARITY

The Trust is an unincorporated body set up by Trust Deed dated 7th September 1993 as amended on 5 December 2007, and is a registered charity. The current Trustees are set out on Page 1. Trustees are required to administer the charitable trust in accordance with the Trust Deed and conform to the requirements of the Charity Commission and Inland Revenue. The day-to-day management of the Trust lies with the Executive Committee and Fundraising Committee, details of which are set out below. The Trust Deed requires there to be at least three Trustees. All trustees shall, by virtue of his or her personal or professional qualifications, be able to make a contribution to the pursuit of the objects or the management of the charity.

The present trustees have the following specific responsibilities in addition to their collective role:

Mr Iain Jourdan FRCS - Chairman and director of all medical matters Mr J F Stebbing - Medical matters Mr M Sharpe - Finance and regulatory matters

The induction process for any new Trustee comprises an initial meeting with the Chairman, followed by meetings with not less than two other Trustees. A new Trustee would be appointed by a resolution of the Trustees passed at a special meeting, after the new Trustee has signed a declaration of their acceptance and willingness to act in the interests of the charity. New Trustees are provided with a pack comprising a copy of the Trust Deed, the last financial year’s annual report and accounts, and a copy of the Charity Commission booklets “The Essential Trustee”.

The trustees have examined the major strategic, business and operational risks to which the charity is exposed, and confirm that systems and procedures are in place to manage those risks.

GUTS Committee Structure

The Executive Committee, currently chaired by Mr Iain Jourdan, shall comprise the Trustees, Treasurer and Fundraising Coordinator and be responsible for policy, funding and charitable expenditure, staffing, legal and financial matters.

Executive Committee Members (at 31 March 2023):

Mr Iain Jourdan (Chairman from 1 June 2010) Phill Davis (Trustee) Dena Dixon (Trustee) Prof S P Halloran (Trustee) Mr James Read (Trustee) Prof T A Rockall (Trustee) Mr Andrea Scala (Trustee) Mr John Stebbing (Trustee) Matt Sharpe (Treasurer & Trustee) Christian Wells (Trustee) Jayne White (Trustee) Nerissa Deeks (Fundraising Manager)

Page 1

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 MARCH 2023

OPERATIONAL PERSONNEL

Management of the Family Cancer Clinic

Nicola Hounsham administers the GUTS Family Cancer Clinic, providing counselling and screening to families with a history of cancer. This clinic is wholly funded by GUTS.

Fundraising

Nerissa Deeks is responsible for coordinating fundraising and day-to-day running of the charity, with part-time help from Joe Smith.

Treasurer

Mr M Sharpe is the Treasurer, responsible for bookkeeping and recording all financial transactions, and for legal and administrative matters.

OBJECTIVES AND ACTIVITIES FOR THE PUBLIC BENEFIT

The formal objectives of GUTS are:

“the preservation and protection of good health by screening and undertaking or assisting in the undertaking of research for the early detection and treatment of cancer and other diseases of the digestive system and the publication of the useful results of such research.”

GUTS works towards these objectives by funding:

The Trustees confirm that they have referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing the Trust’s aims and objectives and when planning future activities and setting the grant making policies for the year.

ACHIEVEMENTS, PERFORMANCE AND FUTURE DEVELOPMENTS

Colorectal Cancer Family Clinic

The GUTS Colorectal Family clinic continues to provide appropriate advice to individuals with a family history of bowel cancer, applying national referral guidelines overseen by surgeons and gastroenterologists at the Royal Surrey County Hospital. Individuals at low or low/moderate risk receive written advice including recommendations for future screening. Individuals at high/moderate or high risk are offered a clinic appointment for risk assessment, counselling and screening. Genetic testing is made available to identify inherited conditions within families that may have a high risk of developing colorectal cancers.

Supporting Research

Papillon Colorectal Database: GUTS is working with the charity ‘Bright’ on this project. Thanks to funding from GUTS, amounting to an annual grant of £31,000, a computer scientist is now working to redesign the ‘Papillon Colorectal Database’ to improve its functionality and progress it to the next stage which is to build a central bank of information based on patient experience (PROMS). Although the study was originally designed for people treated with Papillon radiotherapy it has now been extended to include other bowel cancer patients.

The database will eventually provide a portal for patients to access information and advice regarding their treatment and selfmanagement of symptoms and side-affects.

R-FIT Study: GUTS provided financial support for this project which is being undertaken by Mr Nick Farkas, who is working with colleagues at the national Southern Bowel Cancer Screening Hub. The purpose of the study is to determine the effectiveness of repeated FIT tests on symptomatic patients. If this provides safe triaging of such patients, then colonoscopy services can be applied more efficiently and effectively. (FIT, the faecal immunochemical test, is the internationally adopted bowel cancer screening test for population screening and is used in the UK). A process of recruiting more than 800 patients to participate in the study was undertaken during this period.

Page 3

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 MARCH 2023

FINANCIAL REVIEW

For two years the charity’s ability to fundraise had been adversely affected by Covid pandemic restrictions; the Charity’s resources had become so depleted that the executive committee held an extraordinary meeting to discuss the charity’s future. During this meeting, all options, including the possibility of winding up the charity, were examined in full. As 2023 was to be the charity’s 40th year, committee members decided that a year of events and activities in the community to mark the anniversary would provide an opportunity to ‘test the water’ and see if there was still a local community appetite to support GUTS. The outcome of this experiment would help determine whether the charity was able to survive, thrive, and continue to work towards its original objectives. The committee members recognised that approach may require some extra investment in fundraising activities.

A sub-committee was formed to plan the anniversary activities; it held several meetings, and all plans were reported back to the whole executive committee for approval.

INVESTMENT POLICY AND PERFORMANCE ACHIEVED AGAINST THE POLICY

With a large proportion of our assets in cash deposits and fixed interest stocks, the balance of our investments was linked to the UK Equity market. The performance has broadly matched the movement in that market.

RESERVES POLICY

The Trust’s charitable activities include the development and maintenance of a cancer screening and counselling service, and the financing of cancer research over a number of contiguous areas which, to be effective, requires a commitment to funding over the medium term. Having regard to this, Trustees have established a policy whereby unrestricted funds, not committed or invested in tangible fixed assets (the free reserves), should be maintained at a level sufficient to finance around two years’ charitable expenditure.

ETHICAL POLICY

The ethical policy adopted and published by GUTS is based on principles recommended by the National Council for Voluntary Organisations (NCVO), of which GUTS is a member. GUTS conducts its affairs as far as possible in accordance with those principles.

ACKNOWLEDGEMENTS

The Trustees wish to place on record that they are grateful to the many GUTS supporters who do so much to make our work possible. We also thank all GUTS staff and volunteers for their hard work and dedication.

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity number

1026791

Principal address

GUTS Office, Level A Royal Surrey NHS Foundation Trust Egerton Road Guildford Surrey GU2 7XX

Independent Examiner

K D N De Silva FCMA Centora Ltd Jury Farm, Ripley Lane West Horsley KT24 6JT

Page 3

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

TRUSTEES' REPORT

FOR THE YEAR ENDED 31 MARCH 2023

SIGNED SECURELY

Approved by order of the board of trustees on ............................................. and signed on its behalf by: 31/01/2024 at 11:34:07 AM UTC

SIGNED SECURELY

................................................................................. 31/01/2024 at 11:34:07 AM UTC Mr I Jourdan FRCS - Trustee

Page 4

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF GUILDFORD UNDETECTED TUMOUR SCREENING

(GUTS)

Independent examiner's report to the trustees of Guildford Undetected Tumour Screening (GUTS)

I report to the charity trustees on my examination of the accounts of Guildford Undetected Tumour Screening (GUTS) (the Trust) for the year ended 31 March 2023.

Responsibilities and basis of report

As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the Trust's accounts carried out under Section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under Section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Trust as required by Section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a true and fair view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

SIGNED SECURELY

31/01/2024 at 12:57:52 PM UTC

K D N De Silva

The Chartered Institute of Management Accountants

Centora Ltd Jury Farm, Ripley Lane West Horsley KT24 6JT SIGNED SECURELY Date: ............................................. 31/01/2024 at 12:57:52 PM UTC

Page 5

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2023

31.3.23 31.3.22
Unrestricted Total
fund funds
Notes £ £
INCOME AND ENDOWMENTS FROM
Donations and legacies 26,657 78,961
Other trading activities 2 15,705 18,467
Investment income 3 36,508 32,838
Other income - 1,971
Total 78,870 132,237
EXPENDITURE ON
Raising funds 4 51,318 53,939
Charitable activities
General 59,195 24,854
Support costs 10,318 9,099
Other 481 814
Total 121,312 88,706
Net gains/(losses) on investments (66,289) (6,595)
NET INCOME/(EXPENDITURE) (108,731) 36,936
RECONCILIATION OF FUNDS
Total funds brought forward 629,614 592,678
TOTAL FUNDS CARRIED FORWARD 520,883 629,614

The notes form part of these financial statements

Page 6

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

BALANCE SHEET 31 MARCH 2023

Notes
FIXED ASSETS
Tangible assets
7
Investments
8
CURRENT ASSETS
Debtors
9
Cash at bank and in hand
CREDITORS
Amounts falling due within one year
10
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
NET ASSETS
FUNDS
11
Unrestricted funds
TOTAL FUNDS
The financial statements were approved by the Board of Trustees and authorised for issue on .................
signed on its behalf by:
SIGNED
31/01/202
31.3.23
31.3.22
Unrestricted
Total
fund
funds
£
£
363
484
454,797
499,802
455,160
500,286
9,240
8,851
61,197
123,421
70,437
132,272
(4,714)
(2,944)
65,723
129,328
520,883
629,614
520,883
629,614
520,883
629,614
520,883
629,614
............................ and were
SECURELY
4 at 11:34:07 AM UTC
31.3.22
Total
funds
£
484
499,802
500,286
8,851
123,421
132,272
(2,944)
129,328
629,614
629,614
629,614
629,614

SIGNED SECURELY

............................................. 31/01/2024 at 11:34:07 AM UTC Trustee

The notes form part of these financial statements

Page 7

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2023

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Taxation

The charity is exempt from tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Pension costs and other post-retirement benefits

The charity operates a defined contribution pension scheme. Contributions payable to the charity's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.

continued...

Page 8

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2023

2. OTHER TRADING ACTIVITIES

2. OTHER TRADING ACTIVITIES
31.3.23 31.3.22
£ £
Fundraising events 15,705 18,467
3. INVESTMENT INCOME
31.3.23 31.3.22
£ £
Other fixed asset invest - FII 36,446 32,836
Deposit account interest 62 2
36,508 32,838
4. RAISING FUNDS
Raising donations and legacies
31.3.23 31.3.22
£ £
Staff costs 36,785 33,321
Cost of events 7,726 12,888
44,511 46,209
Investment management costs
31.3.23 31.3.22
£ £
Portfolio management 6,807 7,730
Aggregate amounts 51,318 53,939
5. TRUSTEES' REMUNERATION AND BENEFITS
31.3.23 31.3.22
£ £
Trustees' salaries - 360

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 March 2023 nor for the year ended 31 March 2022.

continued...

Page 9

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2023

6. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

Unrestricted
fund
£
INCOME AND ENDOWMENTS FROM
Donations and legacies 78,961
Other trading activities 18,467
Investment income 32,838
Other income 1,971
Total 132,237
EXPENDITURE ON
Raising funds 53,939
Charitable activities
General 24,854
Support costs 9,099
Other 814
Total 88,706
Net gains/(losses) on investments (6,595)
NET INCOME 36,936
RECONCILIATION OF FUNDS
Total funds brought forward 592,678
TOTAL FUNDS CARRIED FORWARD 629,614
7. TANGIBLE FIXED ASSETS
Fixtures
Plant and and Motor
machinery fittings vehicles Totals
£ £ £ £
COST
At 1 April 2022 and 31 March 2023 307 644 13,250 14,201
DEPRECIATION
At 1 April 2022 243 644 12,830 13,717
Charge for year 16 - 105 121
At 31 March 2023 259 644 12,935 13,838
NET BOOK VALUE
At 31 March 2023 48 - 315 363
At 31 March 2022 64 - 420 484

continued...

Page 10

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2023

8. FIXED ASSET INVESTMENTS

MARKET VALUE
At 1 April 2022
Impairments
At 31 March 2023
NET BOOK VALUE
At 31 March 2023
At 31 March 2022
There were no investment assets outside the UK.
9.
DEBTORS
Amounts falling due within one year:
Other debtors
Amounts falling due after more than one year:
Trade debtors
Aggregate amounts
10.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
Trade creditors
Taxation and social security
Other creditors
11.
MOVEMENT IN FUNDS
Unrestricted funds
General fund
TOTAL FUNDS
Listed
investments
£
499,802
(45,005
454,797
454,797
499,802
31.3.23
31.3.22
£
£
650
-
8,590
8,851
9,240
8,851
31.3.23
31.3.22
£
£
-
1
1,130
182
3,584
2,761
4,714
2,944
Net
movement
At
At 1.4.22
in funds
31.3.23
£
£
£
629,614
(108,731)
520,883
629,614
(108,731)
520,883
Listed
investments
£
499,802
(45,005
454,797
454,797
499,802
31.3.23
31.3.22
£
£
650
-
8,590
8,851
9,240
8,851
31.3.23
31.3.22
£
£
-
1
1,130
182
3,584
2,761
4,714
2,944
Net
movement
At
At 1.4.22
in funds
31.3.23
£
£
£
629,614
(108,731)
520,883
629,614
(108,731)
520,883
Listed
investments
£
499,802
(45,005
454,797
454,797
499,802
31.3.23
31.3.22
£
£
650
-
8,590
8,851
9,240
8,851
31.3.23
31.3.22
£
£
-
1
1,130
182
3,584
2,761
4,714
2,944
Net
movement
At
At 1.4.22
in funds
31.3.23
£
£
£
629,614
(108,731)
520,883
629,614
(108,731)
520,883
454,797
454,797
499,802
31.3.22
£
-
8,851
8,851
31.3.22
£
1
182
2,761
8,851
8,851
2,944
At
31.3.23
£
520,883
2,944
520,883

continued...

Page 11

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2023

11. MOVEMENT IN FUNDS - continued

Net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
TOTAL FUNDS
Incoming
Resources
resources
expended
£
£
78,870
(121,312)
78,870
(121,312)
Gains and
Movement
losses
in funds
£
£
(66,289)
(108,731)
(66,289)
(108,731)
Gains and
Movement
losses
in funds
£
£
(66,289)
(108,731)
(66,289)
(108,731)
(108,731)

Comparatives for movement in funds

Unrestricted funds
General fund
TOTAL FUNDS
Net
movement
At 1.4.21
in funds
£
£
592,678
36,936
592,678
36,936
At
31.3.22
£
629,614
629,614

Comparative net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
TOTAL FUNDS
Incoming
Resources
resources
expended
£
£
132,237
(88,706)
132,237
(88,706)
Gains and
Movement
losses
in funds
£
£
(6,595)
36,936
(6,595)
36,936
Gains and
Movement
losses
in funds
£
£
(6,595)
36,936
(6,595)
36,936
36,936

A current year 12 months and prior year 12 months combined position is as follows:

Unrestricted funds
General fund
TOTAL FUNDS
Net
movement
At 1.4.21
in funds
£
£
592,678
(71,795)
592,678
(71,795)
At
31.3.23
£
520,883
520,883

continued...

Page 12

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 MARCH 2023

11. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
TOTAL FUNDS
Incoming
Resources
resources
expended
£
£
211,107
(210,018)
211,107
(210,018)
Gains and
Movement
losses
in funds
£
£
(72,884)
(71,795)
(72,884)
(71,795)

12. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 March 2023.

Page 13

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2023

DETAILED STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 MARCH 2023
31.3.23 31.3.22
£ £
INCOME AND ENDOWMENTS
Donations and legacies
Gifts - 1
Donations 23,157 56,394
Legacies 3,500 22,566
26,657 78,961
Other trading activities
Fundraising events 15,705 18,467
Investment income
Other fixed asset invest - FII 36,446 32,836
Deposit account interest 62 2
36,508 32,838
Other income
Furlough Income JRS - 1,971
Total incoming resources 78,870 132,237
EXPENDITURE
Raising donations and legacies
Wages 35,960 32,730
Pensions 825 591
Cost of events 7,726 12,888
44,511 46,209
Investment management costs
Portfolio management 6,807 7,730
Charitable activities
Trustees' salaries - 360
Insurance 1,683 2,752
Sundries 633 61
Medical staff salaries 5,568 5,568
Grants to institutions 51,311 -
Grants to individuals - 16,113
59,195 24,854
Other
Bank Fees 481 814
Support costs

This page does not form part of the statutory financial statements

Page 14

GUILDFORD UNDETECTED TUMOUR SCREENING (GUTS)

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 MARCH 2023

DETAILED STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 MARCH 2023
31.3.23 31.3.22
£ £
Support costs
Governance costs
Postage and stationery 1,199 1,854
Accountancy and legal fees 3,120 2,820
Motor Vehicle Expenses 1,892 1,161
Advertising 3,865 3,103
Fixtures and fittings 242 161
10,318 9,099
Total resources expended 121,312 88,706
Net (expenditure)/income before gains and losses (42,442) 43,531
Realised recognised gains and losses
Realised gains/(losses) on investment property (66,289) (6,595)
Net (expenditure)/income (108,731) 36,936

This page does not form part of the statutory financial statements

Page 15