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MINISTRIES<br>INTERNATIONAL<br>**----- End of picture text -----**<br>




## **2021** 



NOVEMBER **2020** – OCTOBER **2021** 

SHARE CARE PREPARE DARE 













To impact Bristol with the love that people can be equipped life and live their dreams. themselves within their 


The mission is two-fold: preach God’s God. As people have applied these 












their place in the purpose of God. 










community 











**MINISTRIES** INTERNATIONAL 










PO Box 10 38 St Andrews Square Edinburgh EH2 2YR 

Richard Carson 



















Brislington Bristol BS4 5NL 







A brief look at the vision of Carmel City Church for 2020 



Administration and financial changes for 2020 



What we achieved through 'Share' in 2020 
























## **Vision 2021** 



## **Context on the year:** 

- We would like to preface this report by giving context on the year. Due to COVID 19 and its unforeseen effect on society as a whole; many projects we had in mind we either postponed, strongly modified or canceled. Because of this, much of the ministry has remained the same, and very few structural changes have occurred. 

2021 was the year where we **Built Dreams** , we began to put in place many projects and ministries that would lead us to fulfilling God’s mandate for Carmel Ministries International. This year, we aimed to bounce back from a year filled with restrictions and challenges, and place effort into creating beneficial projects for all our congregation. 

2021 was about BUILDING DREAMS. Focusing on that which God has ordained for this ministry. Our focus was to be that of faith; Faith in Jesus, the Son of the living God. Faith to live out our daily lives with our family. Faith to share the gospel with everyone. Faith to serve the church and in the church. Faith to serve and bless our community both with prayer to see lives enhanced and also with the practical; ie soup run, food bank, Christmas hampers. 

God has taken us from a local church to a global vision and is now working the succession plan that has given us the knowledge to build internationally. The restructure of our leadership model is working well and is allowing the team to operate on a greater level of creativity and autonomy. There is still much to do and confidence has grown in both the overseers and the church family to see our community impacted by the Gospel. 

As the apostolic oversight and founders of Carmel Ministries International and Carmel Global Ministries we are always excited to see how God leads us. Every year we build on the platform of the previous year, it is not a change of focus but rather an unfolding revelation of God’s building plan. It is never comfortable and requires us to grow in ourselves that will release the potential that may be laying dormant in us, it also presents us with the opportunity to learn and employ our gifting to the Glory of God. 


The name Carmel means to be fruitful and to flourish and we have seen this in the lives of those that have travelled this journey of FAITH with us. The strength of this ministry is to equip people to do life and this is achieved through the teaching and training of the Word of God. 

As always, we are excited about sharing the vision for Carmel as it means we get to go higher, wider and deeper with the mission and mandate God has declared over us all, so together we can Enjoy the Journey. 

## **BISHOP GERRI AND MICHELLE DI SOMMA GENERAL OVERSEER OF CARMEL GLOBAL** 

## **Our Mission is clear.** 

Carmel’s mission statement is Luke 9:2 ‘He sent them to preach the Kingdom of God and to heal the sick’ which was given to us in 1994 and has become focal point of all we do and helps us navigate God’s unfolding plan for Carmel. To achieve this God gave us a 4- phase strategy: Which is to cover our city, bless our neighbours, send to the nation and touch the world, this allows us to multiply globally establishing the vision of God. The concept of one Church, many locations is the Blueprint of the Mission, Strategy and Process that the vision of Carmel follows. Following this blueprint has seen the work flourish. 

## **Vision** 

All vision comes from God and with this He gives a strategy for its fulfilment. God had a vision of man when he created the heavens and the earth! He had a vision of redemption when man fell, He had a vision for the church when Jesus Christ returned to heaven and He has a vision for His bride for when He returns. Vision is a practical and purposeful necessity 

for believers in today’s world. It is our responsibility to draw near to God to find out just what it is. Carmel’s vision is rooted in four basic instructions which align us with the book of Acts 2:42 (MEV) They continued steadfastly in the apostles’ teaching and fellowship, in the breaking of bread and in the prayers. 

## **Vision Values** 

We all have an important role to play in seeing the vision established in preparation for the return of Christ, we have been ploughing and planting for over 20 years with many ministries being birthed and many finding their place in the global family of God. It is time for the great harvest of souls and God has given us this window of opportunity. 

A prophecy given in 2016 said: “Seeds planted years ago have come to full maturity and are ready to be harvested. Winds of change are blowing and a changing of the guard is coming to the Church as well as the political arena. Weeds are being uprooted that have been choking the life out of my children and distracting them from me.” We continue to see these changes globally and it is as if the church is awakening from its slumber and is beginning to roar like the Lion of the tribe of Judah. 

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## **ORGANISATIONAL STRUCTURE HOW WE ARE ORGANISED** 

**AS PART OF THE DELIVERY OF THE VISION OF THE MINISTRY WE CONTINUED WITH THE EXECUTIVE STRUCTURE.** 

The Trustees provide strategic and visionary leadership to the organisation.  Within the guidelines laid down by the Trustees, daily operational decisions are made under the direction of the Chief Executive Officer, who is also the Chair of the Trustees. 

As part of the delivery of the vision, we have continued with the structure of leadership. 

The structure of the Senior Leadership Team to oversee the offices of Assets, People and Equipping are Wayne Skinner [Assets]and Michael Fletcher [People and Equipping] with support from the CEO Gerri Di Somma. 

The Office of the Overseer of Assets is to steward the financial and physical assets of the ministry and to ensure the ministry remain compliant with all regulatory bodies such as the Charity Commission, HMRC, Ofsted, HSE etc. 

The Overseer of Equipping is to oversee the discipleship and equipping process for the ministry 

which include Carmel Bible Institute, Children’s ministry, campuses, media and all to prepare people to function in the ministry. 

The Office of the Overseer of People is to build effective teams to take care of the needs of the community. This include home groups, chaplaincy, missions, family and all outreach initiatives. 

Retaining the titles, Share; Care; Prepare; Dare and Welfare, the senior administrative team focuses the actions of those who work within the ministry, both as paid staff and volunteers to ensure the delivery of the vision & charity objectives. 

**Carmel Ministries International is a UK charity who functions with Carmel Global ministries inc enabling us to fulfil our mission and vision.** 


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CARMEL<br>OVERSIGHT<br>U.S.A EUROPE AFRICA<br>CARMEL CARMEL CARMEL<br>GLOBAL MINISTRIES MISSIONS<br>MINISTRIES INTERNATIONAL<br>CARMEL CARMEL<br>CITY BIBLE CARMEL<br>BOOKSHOP<br>CHURCH COLLEGE<br>CARMEL CARMEL CARMEL CARMEL  CARMEL<br>CITY BIBLE CHRISTIAN<br>CHURCH COLLEGE SCHOOL MEDIA EARLY YEARS<br>**----- End of picture text -----**<br>


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## **Our Structure** 

**Carmel Ministries International is a UK charity whereby all these organisations function with Carmel Global overseeing this. The concept of one church, many locations is the blueprint of the Mission, Strategy and Process that the vision follows.** 



Michael & Vicky Fletcher Overseer 


Gerri & Michelle Di Somma 


Wayne & Rose Skinner Overseer 

## **SHARE** 

- GUEST SERVICES 

- • EVENTS 

- YOUTH MINISTRY 

- CHILDREN’S CHURCH 

- • CAMPUSES 

## **CARE** 

- PARTNER SERVICES 

- HOME GROUPS 

- • LIFE GROUPS • HUMANITARIAN • RECREATION 

## **DARE** 

- OUTREACH 

- MISSIONS 

- MEDIA 

- COMMUNITY IMPACT 

- C:NET 

## **WELFARE** 

- CARMEL BUSINESS SOLUTIONS 

- FINANCES 

- REGULATORS 

- HUMAN RESOURCES 

- LOGISTICS MANAGEMENT 

## **PREPARE** 

- CARMEL ACADEMY 

- CARMEL BIBLE COLLEGE 

- ADULT EDUCATION 

- PRACTICAL MINISTRIES 

- • RESOURCES 

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CARE<br>DARE<br>PREPARE<br>SHARE<br>LIFE IS A JOURNEY, AND WE CARE<br>N<br>MISSIO H<br>REAC<br>TEAMDER OUT<br>LEAOPDEMR ENT LEA<br>DEVEL<br>CBI<br>SERVING<br>LIFCHE RIin ST BASITHECS<br>CONNECT<br>**----- End of picture text -----**<br>


The discipleship process of Carmel is broken into 4 stages of development that go under the names of Share, Care, Prepare, and Dare. This process equips believers of every walk of life, who in discovering their purpose within their individual journey of faith are able to find their place in Gods global church to flourish and engage in their community. 

The first stage of the journey is SHARE, which is the Great Commission given to us by Jesus, sharing the Good News of salvation with those searching for a meaningful relationship with Him. The unchurched that don’t know Him, those that were disillusioned in their 

faith and need help to reengage and those that are looking for a deeper encounter with Him. 

The second stage forms the Pastoral Care of the ministry and is simply called CARE. This is caring for the believers, giving them the tools to live their life successfully as children of God, also helping them integrate into the family and life of the Church. Believers are encouraged to partner with the vision with their time, talent and treasure and engaging with their family, friends and community. 

The third stage is PREPARING the believer to know what the will of God is for their lives. Equipping them 

through CBI to mature in faith and find their place in the vision of God. Through further study of the Word of God and leadership development every believer becomes an able minister. 

The fourth stage is DARE, sending disciples into all the world with the love of Christ to pioneer and establish churches and to make disciples of all nations. Using the Blue Print of God and equipping others with the call of God to navigate successfully their journey of Faith. From local to global, being fruitful, multiplying and having dominion. 

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WELFARE
Welfare underyinls the proce55 of those
part4cipating at any stage during the journey.
Wellare fijlfils our responsibilib'es tn all the
organisations to whom we are accountable.
EthD CF WELFAFE. WAYNE SKINNER
WELFARE STRUCTURE OVERVIEW
G4ANEL BUSINESS SOLUTM)NS
REGULATC
We are planning to pruvide a full
rerye of trairNng w)r*shops, equipping
others the skjlls to succeed In the
business worki. C8S also c￿ersee 811
8¥pert¥ of C4rTnel'9 fijwre buildiTrJ
We pr￿Ide all the funrtKns requi￿1
to compfy wth the reqU1￿ments of
Ccmpanies House. the
Ccfftmisson, CFSTED, the Heath
end Safety Execu￿ gnd the UK
Borthr Agercy.
Oealing all arEa5 01 the
Cafmel building end (s vet¥cle&
Cleenliness of venues and
maincengnce of urJl*s upheld.
HUMAN AESOURCES
Managing all the fin8nce8 ￿larEd to
This teBm deals Trmth the
edministretion, management
end training of CgrTnel's statr
NATE TCK)AY..
fmm pgyroll and Grft Aid, to t8
aceountwo arnl fiMdp8Bff￿. We
maintsin high Btsndards of recorTJw.'
meety'ry the reqUi￿nents of
accountants and eudrtor8.
You can now contnbLts
procedures. ro pb descriptsons 8nd
8pprnisal$. we keep our stsff
ahead of the game.
ty going ￿line..


**All of the funding that comes into Carmel Ministries International is channelled towards the primary purpose of advancing the Christian Faith. Some of the funding we receive is designated by the donor for a specific purpose, and we have rigorous procedures in place to ensure that the funds reach their intended purpose.** 

## **CARMEL MINISTRIES INCOME FLOW** 

**BIBLE CARMEL INSTITUTE CHRISTIAN SCHOOL** 





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CARMEL CITY   RELATED<br>CHURCH  MINISTRIES<br>PRE-SCHOOL<br>**----- End of picture text -----**<br>



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MINISTRIES<br>INTERNATIONAL<br>**----- End of picture text -----**<br>


**CARMEL BOOKSHOP** 

**We make full use of the UK Governments Gift Aid scheme, encouraging donors to give through the scheme as they are available. We also make full use of the Gift Aid Small Donations Scheme for all of the locations.** 

Our incoming resources principally come from the voluntary offerings received each week from our public meetings. We do however have other sources of income.   Our 

bookshop is now the only Christian bookshop in Bristol, and Bath only has a micro-site book shop, which puts our bookshop in a strong position within the local Christian community. We also have built a presence on Amazon, selling products to customers further afield. 

BIBLE COLLEGE MISSION PROJECTS 


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INCOME AT<br>A GLANCE<br>• £553,119<br>Voluntary income<br>**----- End of picture text -----**<br>


**TOTAL RAISED FOR CHARITY PROJECTS £60,677** 

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Expenditure is closely monitored on a daily basis by a committed and dedicated team. Our expenditure is completely focused on our purpose and reviewed on a regular basis. We have reviewed all our processes, suppliers and expenditure to ensure 

good financial governance. As a result of this review, we have switched some suppliers and renegotiated contracts. Our expenditure is prioritised to ensure that we follow a clear strategic plan. 



£435,965 £445 £436,410 


**TOTAL** 

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**We are always looking to improve the way we work and our work-flow enabling us to act more efficiently and in place improving our efficiency and standard of output.** 

## **STOREHOUSE** 

## **IN KIND DIRECT** 

The Storehouse foodbank is open every Monday and serves the poor and needy. Referrals come from the street, GP’s, social workers etc. We have received many items for the Storehouse at discounted rates from In Kind Direct and also donations from church members. 



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## **PAYMENT ACCOUNTS CURRENT ACCOUNTS** 

The Bank of Scotland currently operates our current accounts. Donations are banked as close to the day of receipt as possible. 

The accounts are accessible online and a daily check is made of the transactions that are processed. 

## **VISA CREDIT CARD** 

We currently have one credit card used by the various departments in the ministry. 

One debit card is used for most cash and petty cash transactions. 

## **GIFT AID ANALYSIS** 

Currently, between 20% and 30% of each weekly offering is gift-aided. 

Gift Aid is claimed every week. 

Each claim clears the history of donations to ensure that we are claiming on a timely manner all donations made via Gift Aid. 

Each claim covers approximately 50 distinct givers, and is for approximately £500 - £1,000 each week. 

Separate claims are made for the designated funds operated within the ministry (Building Fund). 

A letter is sent annually to all registered donors thanking them for their support and confirming the amount of their contributions recorded in our records. 

## **HEALTH & SAFETY** 

We continuously review our policies and procedures to ensure they reflect up to date legislations. 

A planned preventative maintenance schedule is in place to ensure all statutory requirements are met. 


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## **ACHIEVEMENTS** 

## **RETURNS AND SUBMISSIONS SUMMARY** 

**The Charity Commission, is spearheading a policy to crack down on charities that do not submit documents on time for the accounts. As a ministry we take diligence seriously and have ensured that we have met such deadlines as demonstrated in our charity commission report.** 

## COMPLIANCE HISTORY 

|**Months After FYE**|||||||||
|---|---|---|---|---|---|---|---|---|
||**2013**|**2014**|**2015**|**2016**|**2017**|**2020**<br>**2018**<br>**2019**||**2021**|
|**FINANCIAL**|||**SUMMARY**||||||
|Financial Year<br>End (FYE)|||Income||Spending||Accounts<br>Received by<br>Companies House|Annual Return<br>Received by<br>Companies House|
|31|Oct 2021||£553,119||£436,410||23JUNE2022|23 JUNE 2022|
|31|Oct 2020||£584,746||£484,007||07 JULY 2021|07 JULY 2021|
|31|Oct 2019||£667,732||£636,984||2 May 2020|2 May 2020|
|31|Oct 2018||£897,744||£869,529||2 May 2019|2 May 2019|
|31|Aug 2017||£994,803||£991,034||4th Jun 2018|4th Jun 2018|
|31|Aug 2016||£1,091,480||£1,081,806||28th Mar 2017|28th Mar 2017|
|31|Aug 2015||£1,140,324||£1,063,736||26th Jan 2016|26th Jan 2016|
|31|Aug 2014||£1,115,273||£956,634||30th May 2015|30th July 2015|
|31|Aug 2013||£991,519||£956,635||29th May 2014|28th May 2014|



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SHARE
The first stage of the journey is Share.
This essentialty is sharing the love of God through the Gospel.
Primarily for an unbeliever (seekersl. this 15 their first point of
contact with Carmel. Our audience is split into three areas:
- The unchurched - Seekers
- The dechu￿hed - Disillusioned
- The churched - Finding a new home
D CF SIWIE. MICHAEL FLEfcHEA
SHARE STRUCTURE OVERVIEW
B-11 IVI
SF4'fiE to toJth the hegrts of the peopbe. live PA￿essfulty for c￿nsE T￿chIng
Wthout a meaningful encounter
childtEn aLuut their heeventy F8ther
God there cennot be purp￿￿1
and helping them to discover the grfts
change brought In lrt*e.
th8r God has placed In them to
become world change￿.
gJpporting and urvjeryirxlirvd
P8fEnLS In the rEsp(Jn&bilrty to bnng
up rheir children in the nurwre and
admorNtiC￿ ot the LOTXJ.
Fmn) the car pa￿ to the C4Jffee Bean
coffee shop, faciku'es must be clearty
m8pped out for 8nd fnends
of Carniel. so a5 ro rnake their Dme
US 8 wonderfitrl expenence as
rJ)ey erK£witer the presence ot (knj.
Connetting wth fn'erbds, family and
isthrs must be hNJhest prionty
to rTrake their journey of fath an
eny)rdble and meaningful one.
YOUTH MINISTAY
Prep8nng p￿ent oener8ti(
of young people to be the leaderB in
tomorrvw's church and nety.on through
related 8nd rElevant gathenngs
aNd ectjvths.
Trainng them to b(Adty take
hdd of trEir fvuJr* through the IM￿lC81
principles contained in the Wor($ of
())d. being doers of the Wolli and rvJt
heerers onty.
ry ts.me the (￿urth gathe
together It is an ev¢nL to P￿sent
people ￿1th 8n OFPPTTJJnty to
encourQr lknl as Fother. Frtwn
ired w0￿h1P tu the prpeching of
the Woryj, eyeWing must be
meuculou* planned wth the
IntenD￿81 goal ol ellowng rh8 Hoty
(xIL￿EN5
Helping our childtEn to have their o
pirtual wth G)d so •s to

## **MULTI-SITES** 

## **BRISLINGTON - UK** 


**BRISLINGTON Crmel Centre; 817a Bath Road, Brislington, Bristol BS5 5NL** 

## **HOUSTON - USA** 


**HOUSTON 12412 Highway 36, Needville, Texas** 

The main campus where on a Sunday the word is preached. All departments are run from here. The second half of the fiscal year saw the streaming of CMI operational structure and processes in preparation for the next 20 years of the vision the focus on Community. 

Since 1996 Carmel Ministries Insternational has seen a steady growth and influence in Bristol, the UK and beyond under the guidance of its founders and general overseers, Bishop Gerri and Pastor Michelle Di Somma, who continue to cast vision for the ministry globaly. 

## **GUEST SERVICES** 

**The welcome pack and members pack are part of our process flow into the church. When new visitors come they receive a welcome pack. The next stage is when a person wants to become a member. This gives us a clear indication of where people are and helps us understand their needs. Through this we can keep communication flowing in the church.** 

## **WELCOME PACK** 

## **WELCOME BOOKLET** 


People who are new to the church are given a pack that tells them everything they need to know about Carmel City Church. 

The welcome booklket contains details and contact information regarding all the ministries in Carmel City Church. 

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## **EVENTS AND** 

## **CONFERENCES:** 

## **2020/2021** 

**We do several Events throughout the year. The main conferences see below. Many events were restricted due to COVID.** 


**Christmas Carol Concert** 


**Carmel Bible College Graduation** 


**Youth Camp 2021** 


**Men's Conference 2021** 


**Women's Conference 2021** 


**aGODthing! Conference 2021** 

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## **R3 YOUTH MINISTRY** 


**This year we relaunch the youth ministry with a new vision and drive to bring God to lives of all the youth in our church.** 




## **FRIDAY NIGHTS** 

## **YOUTH CAMP 2021** 

## **FURTHER PROJECTS** 

We carried on Friday nights over Zoom calls and in person (depending on the Government's Recommendations), allowing us to still deliver the gospel message and teaching to our youth. Though difficult, we still were able to see a positive effect and spiritual growth from all our youth. 

Youth Camp was an immense success with over 80 youth attending. With awesome games and incredible night rallies (services), every youth had an encounter with God. 

We began 3 mentoring groups, for boys and girls of different ages. We began bible studies on Wednesday nights and a Young Adult nights on Sundays. 

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## **CHILDREN’S CHURCH** 

## **Carmel Kids** 




We continued to build on new structures within the Team and updated Teaching Material set in place. 

The support to Gospellife International was increased and now sponsor 3 children at £25 per month in addition to extra financial support at Christmas and Easter. This is covered by weekly giving and fundraisers. Our children have been 

able to communicate with the children in Uganda. During the Summer of 2019, we set a ‘Family Action Challenge,’ encouraging families to undertake activities with each other and together with other families. Children’s Church continued during the Summer Months by involving parents and carers to join in a ‘Messy Church’ curriculum. 

We were able to offer child care during Church Conferences and also to an ‘Incredible Kids Conference’ specifically focussed on the children. In the last year we have also increased the number of ‘All Age Family Services’ held in order to allow families to spend more time together during services. This included a ‘Graduation Service’ for children moving to our Youth Group to mark their transition. 

During the 2021 restrictions meant that we had to transition from in person Sunday School. We started back up as Government recommendations changed. 

- **Number who attended Children's Church in that period overall - 443 (COVID RESTRICTED)** 

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## **LOCAL PASTORAL TEAM** 

**THIS TEAM WORKS TOGETHER TO TAKE CARE OF THE PASTORAL DUTIES OF THE CHURCH. THIS INCLUDES INDIVIDUAL COUNSELLING, RELATIONAL COUNSELLING AND PRE-MARITAL COUNSELLING.** 




**Andrew & Mwaka Smallridge Chris & Yvonne Chikwanah** 




**Kutie & Tsungai Ngundu Asif & Delphine Francis Bob & Mary Baker** 



**Derick & Catherine Mulubwa Steve & Helen Jackson** 



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Nigel & Rhian Parkinson  Ken & Julia Turner  Andy & Dawn Elmer<br>CBC Chaplaincy  Children’s Church<br>**----- End of picture text -----**<br>



**----- Start of picture text -----**<br>
Michael & Jenny Abrahams<br>Guest Services  Orville & Charmaine Lynch<br>**----- End of picture text -----**<br>


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## **ATTENDANCE SUMMARY** 

**Every year we take count of all people who attend our weekly services, conferences and events. This is for accountability and for our statistics.** 

Many people have come through our doors in the last year. There are a great number or people whose lives have been changed by what they experience at Carmel City Church and the attendance figures simply reflect 

the impact in people’s lives for the kingdom of God. 

**7,505 PEOPLE** ATTENDED SUNDAYS AND EVENTS IN 2021 


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## **SPEAKERS:** 2020–21 

**Throughout the year we have been blessed by visiting speakers, some returning friends of the house and other new God connections.** 

## **Pst. Michael Fletcher** 


## **Evan elist Daniel Chand g** 


## **Reeba Samuel** 


## **Other S eakers p** 

Andrew Smallridge, Ken Suckling, Asif Francis, Mark Jones, Rick Bueno, Wayne Skinner, Matthew Lewis, Steve Lewis, Alison Carson, Vicky Fletcher and more... 

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In 2019 we held a highly successful Christmas Concert with the school and welcomed in the New Year with a party, in the summer we held a couple of church social events to have a time of fellowship, building relationships. 



## **MEMBERS AND CHURCH PARTNERS** 



Our members make up our ‘family’ in this local body of Christ. It is to this family that our members give their time, talent and 










Carmel partners are those who are connected with us from around the world, but do not fellowship with us on a regular basis. Our partners may contribute financially towards Carmel City Church, but their tithes and offerings are given to their own local Church. 


either pioneered Churches or returned to their country of origin equipped to support their Church vision more effectively. 











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We won’t ask you for money, but should you choose to contribute finances to<br>us, we will be good stewards of everything we receive.<br>carmel:<br>You will receive free entry to all of our annual Conferences.<br>Your information will never be shared.<br>MINISTRIESINTERNATIONAL<br>A MAGAZINE PUBLISHED BY CARMEL MINISTRIES INTERNATIONAL<br>THE COMPLETE PACKAGE<br>ENLARGE & INCREASE<br>carmel:<br>ca MINI STRIES rmel:<br>Article by Bishop Gerri Di Somma<br>Teaching by Pastor Michelle Di Somma<br>INTERNA TIONA L<br>INTERNA TIONA L<br>Article by Pastor Gerri Di Somma<br>Teaching by Pastor Michelle Di Somma<br>carmel:<br>carmel:<br>GRACE:<br>TO TRANSITIONTHE POWER<br>THE PROCESS<br>OF TRANSITION<br>A MAGAZINE PUBLISHED BY CARMEL MINISTRIES INTERNATIONAL<br>MINI STRIES<br>ISSUE 45 ISSUE 46<br>ISSUE 47<br>**----- End of picture text -----**<br>


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Family Home Groups centre around the nucleus of the family unit. Families gather at convenient times in homes around the city to discuss the word of God and fellowship together. Home Groups enable us to take the Church at Carmel into the local communities. They are the environment to facilitate the building of relationships with other believers and those who don’t yet know Christ. The aim of Home Groups is to invite unsaved people within the locality and to befriend them. Building relationships will enable believers to share their faith in an easy and relaxed manner. 

## **FELLOWSHIP** 

What do we mean by fellowship? The dictionary meaning is; friendly association with people who share one’s interests, a group of people meeting to pursue shared interest or aim. 

We believe that it is important for people to be able to have times of fellowship with each other in a safe and friendly environment such as a life group setting where they can freely express themselves. There are evenings where the group puts on food and drink and just spend time socially, this is also an opportunity to invite neighbours and friends to visit. The life group also helps us to be aware of any needs in the lives of the group members so we are able to help one another and bring solutions. 

## **TEACHING** 

There are many aspects to the family home groups. One of the main aspects is to teach and impart life skills so that the members are equipped to act wisely in any given situation. We do this by utilising the teaching that the Pastor brings on the Sunday morning. In the life group situation, it gives people the opportunity to ask questions and discuss the teaching so they have a clear understand of what is being taught. 

Home groups have continued to remain part of the Churches discipleship pipe line with 10 groups running within GOVT COVID Guidelines (Via Zoom), experiencing consistent numbers. Around 80 members meet mid-week on a weekly or bi-weekly basis. These groups provide more personal care than attending a large church, discipleship and bible teaching and an opportunity to bless the community the group is in through outreach. 

The groups are meeting in St. George, Knowle, Brislington (x2), Keynsham, Whitchurch, Mangotsfield, Bath, Kingsdown and Bedminster. 

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## **MENTORING GROUPS** 

> **[Both men’s and ladies mentoring groups meet via Zoom or in various locations during the week. ]** 

**LADIES’ MENTORING: Vicky Fletcher** 

**MEN’S MENTORING: Andrew Smallridge** 

**For more information on mentoring call:** 

## **0117 977 5533** 


## **Achievements and Performance** 

The Trustees have reviewed the current environment in which the Charity operates and are satisfied that the charity will remain a going concern into the future.  There have been no issues that have arisen since the Balance Sheet date that would require the Trustees to liquidate the charity or to cease its activities.  The numbers of individuals attending the Church is showing steady growth in new members, and with it the eventual voluntary income that arises from that constituency. A sense of community has been embedded through various events that allowed the members of Carmel to get to know each other better as Carmel family but also to invite friends and family. 

There has been limited growth in the number of home groups and attendances due to the COVID  pandemic. 

The Bible College has seen the successful introduction of online lectures, allowing more people to participate. 

Men and Women’s prison ministry has continued with the Carmel team invited to attending and ministering during the weeks allocated (access restricted due to COVID). 

The Youth Ministry was successfully rebranded and has seen an explosion in growth, despite COVID restrictions. 

Weekly soup run remains a key service to the community and the numbers of people requiring support have increased during the time of the pandemic. (Restricted access due to COVID 

25 



## **BREAKFAST EVENTS** 

**Every year we aim to host multiple breakfast events. These events are a great opportunity to build community, worship together and receive teachings.** 

## **Due to COVID Government restrictions all breakfast events were canceled, and will start back up once restrictions have been lifted.** 




26 




## **HUMANITARIAN HELPING THOSE IN NEED** 








Offering food and toiletries. 



Providing special food hampers at Christmas. 



The Storehouse further their influence by: 



Opening a supermarket where those in need can shop free of charge for the Groceries they need. 


Teaching people how to correctly handle their finances and get themselves back on track. 



## **1050** 




of God’s love reaches to the heart of many of 




## **2615** 

We continued to feed approximately taking food and drink to the homeless 



**3600** 







27 



Providing courses of instruction based on God’s Word that prepare students for service and ministry, developing Godly character in an environment that enables the life changing power of  God to do its work in each student. The course is to establish the foundations of life and to equip people to better function in service to the Body of Christ. The weekend Bible School is over a 2 year period. 

28 



## **CARMEL** 

## **BIBLE COLLEGE** 


Carmel bible College provides a unique opportunity to equip people in a manner that will transform their lives. With a 24-year legacy of faith, our vision remains resolute to train, build up and equip God’s people for their purpose in His kingdom. Our curriculum equips and prepare believers through the practical application of biblical principles, preparing them to become effective ministers and leaders in their family, church, marketplace, and community. 

## **EQUIPPED FOR LIFE** 

Carmel Bible College is a place for believers desiring more of God to be transformed by His Word through the work and power of the Holy Spirit. Our goal is to equip the body of Christ ‘so as to walk in a manner worthy of the Lord, fully pleasing to him, bearing fruit in every good work and increasing in the knowledge of God’. (Colossians 1:10 ESV). Our curriculum is focused on instilling faith-based biblical life skills to equip believers to walk by faith whether in the home, the business world, the church or any environment they should find themselves in. 

Equipped For Life Our Weekend Bible College, launched in September 2017, currently offers a 1st Year Certificate in Biblical Studies and a 2nd Year Diploma in Ministerial 

Studies (launched September 2020). Graduation from both programmes is upon successful completion of a twoyear course of study (24 subjects). The college convenes usually every three weeks on a Friday evening (6.30 - 9.00 pm) and on Saturdays (09.15am - 4.30 pm) during the school academic year. This not only offers flexibility to study on a part time basis for those working in full time employment but, also a more manageable way of paying tuition fees. 

## **Staff and Volunteers** 

Currently there is 1 part-time staff member (3 days per week) and a student volunteer helping with some administrative tasks. Presently the lecturing faculty comprises fifteen lecturers, with all but one attending Carmel City Church 

## **COVID-19** 

The pandemic and lockdowns have brought considerable challenges to CBC in both the running of the college and enrolment of new students. During each lockdown the college moved to the Zoom video meetings platform to present live lectures running to the normal college timetable. 

The September 2020 Certificate Programme enrolment numbers were very low and we are believing for an increase this coming September. 

## **E-Learning Hub** 

Plans are underway to develop and launch an e-learning platform which will enable users to login remotely and follow previously video recorded courses. 

In February 2020 a decision was taken to rebrand the name of the college from ‘Carmel Bible Institute’ back to ‘Carmel Bible College’ including the use of the former logo which embodies what the Bible college represents – ‘the teaching of the Bible as the inspired, infallible and inerrant Word of the God through the empowering and illuminating work of the Holy Spirit firmly established on the principles of Biblical Faith’.The previous rebranding a few years earlier from 'college' to 'institute', came about from a decision to take the Bible college in a more academic/theological direction through the establishment of an official link with Moorlands Theological College. This rebranding also resulted in a significant change to the 'spiritual' direction of the college and was a departure from the original ‘blueprint’ and instruction the Lord had given to the founders of the Bible college 

## **ATTENDANCE AND GRADUATION AND STATISTICS** 

|**Class**|**Attended**|**Graduated**|
|---|---|---|
|WBC – CertificateClass|7|5|
|WBC –Diploma Class|3|0|



29 



## **Carmel Christian Pre-School Overview** 

## **VISION** 

Carmel Christian School’s vision is for every child to have a living relationship with Jesus Christ. We recognise that this relationship is the firm foundation upon which our children can build to live successful and fulfilled lives. 

To establish and build upon this foundation, we utilise a Christian curriculum called Accelerated Christian Education (ACE) that informs the mind and influences the heart. Its individualised approach is biblically based and trains 

## **MISSION** 

children in accountability, character development, moral values and critical thinking skills. 

Christian teachers who genuinely care about the children’s wellbeing and who are committed to enabling children to excel in their unique giftings is also central to fulfilling our vision. 

With the foundation and building blocks in place, our 

responsible citizens. Our students will leave our school empowered as independent, co-operative, innovative and motivated young adults who can make a meaningful contribution to life. 

Ultimately, Carmel Christian School is interested in the big picture: the child’s present, their journey through school, their adult life and their eternal destination 


**Train up a child in the way he should go, and when he is old he will not depart from it.** 

**Proverbs 22:6.** 

30 



## **OUR SETTING** 

Carmel Christian Pre-School is an independent, feepaying, Christian school based in Brislington, Bristol that has provided Christian education since 1997. Since that time, we have been 

## **OUR AIMS** 

privileged to share the formative years of many children from different backgrounds, nationalities, cultures and have added great value to their young lives. 

\\We have always identified our role as being an extension of the Christian home, and have worked hard to engender a positive, encouraging and familial atmosphere where relationships are nurtured. 

Ø To produce a secure and stable atmosphere where students can excel in a full education. 

Ø To provide opportunities for students to develop their character and gifting, encouraging them towards their calling in life. 

Ø To promote encouraging them attitudes of towards their respect, selfcalling in life. control, honesty, integrity, Ø To prepare each perseverance, child for adult life, appreciation, equipping them to consistency, take their place in responsibility and society as thoroughness. respectful and responsible citizens. 

- Ø Make a difference in their sphere of influence. 

## PUPILS AND STAFF 

REGISTERED CHILDREN 

Early Years: 14 

Our current focus and plan is to expand the Early Years class to align with the 20+ capacity of the setting. 

STAFF MEMBERS 

Full-time:  2 Part-time:  2 Volunteers:  1 

**“At Carmel Christian School the staff members are committed to academic excellence and have the opportunity not just to impart education to learners but also life skills through biblical perspectives”** 

31 




**The Discipleship programme consists of 3 courses, facilitating the establishment and growth of new believers to the point where they are productive members of the church and well grounded in their faith.  The programme also provides a foundation for those who move on to study at Carmel Bible Institute.** 

## **PROGRESS** 

The ‘Life in Christ’ course continued with great success.  The programme benefits from trained coaches.  One-on-one coaching has been provided to support people completing the course. 

The second ‘Biblical Foundation’ course continues to establish new believers in the faith and helps them participate in the activity of the church.  This course comprises 12 modules that will be taught in a lecture-style format as a follow-on from the ‘Life in Christ’ course. 


**----- Start of picture text -----**<br>
THE  Session: 8<br>. BAPTISM1<br>What does the Greek word ‘baptisma’ mean?<br>What is baptism into the Body of Christ? a) ____________________________________________________________Baptism into the Body of Christ (Indwelling)<br>(i) (What are four benefits of baptism in the Holy Spirit?b)  112:13 ____________________________________________________________ Corinthians  ____________________________________________________________Baptism in the Holy Spirit (Infilling)<br>(  ________________________________________________________<br>(ii)  ________________________________________________________<br>iii)  ________________________________________________________<br>c)  Acts 1:8; Matthew 3:11 iv)  ________________________________________________________Baptism in water<br>Complete this statement:<br>Water baptism is a ____________________ confession of faith; an<br>Romans 6:4 outward __________________________ of an inward transaction._______________ testimony of an ___________________ condition, an<br>SALVATIO<br>Therefore, if anyone is in Christ, he is a new creation; old things have passed away; behold, all things have become new.  5:172 CORINTHIAN S<br>Session: 1<br>**----- End of picture text -----**<br>


## **FUTURE** 

The third ‘Practical Ministries’ course teaches mature believers lay ministry opportunities. 

## **PREPARE SUMMARY** 

Prepare covers all aspects of preparing the believer for their service in the church and the community at large. We achieve this through four areas: 

- Carmel Academy, which is our Christian School. 

- Practical Ministries which aims to disciple believers. 

- Adult Education which aims to equip adults with necessary life skills 

- Carmel Bible Institute 

32 




## **GOALS FOR 2021 AND BEYOND** 

## GOAL 1 

- Continue to assist and support our congregation and local community with projects like the Store House. 

- Grow our involvement in the community. 

- Equipping people that we aim our Faith at to make an Impact on our Community. 

## GOAL 2 

- Grow the number of Carmel Bible College students. 

- Sustainably run Carmel Christian School and increase the number of pupils. 

- Create more community projects in our local neighborhood. 

- Equip our congregation to boldly seek evangelical opportunities. 

33 



DARE
Tho final stsge ot the journgy is Dare. This is for peoplB who ha¥0 boDn equippod
and ara carryin9 tho Vision by playin9 rolBB in tho ministsy.
He￿ people wll Othe￿ and heio
feciltste the prrcess of the jCMJmey
HEAD Cf DAFE. ASIF FRANCIS
DARE STRUCTURE OVERVIEW
publicats"on& BecorYNr¥J medta 8wa
80 believerE know the tssues we face
today. and respondKbg 8ccordingty.
aking ouc for those ¥tho cannot do
lor theMse￿eS and challenging the
8ecul8r thinkn'ng rh8t has pemieated
our S￿Iety.
Reaching our to the world artsJnd us
through evangelism. street preaching.
cru68des. The W8y of the Master
and other evangelisuc opportunr*s.
SeekJ'n9 and finding the lost so that
they come hwie ro the Father.
Tak￿9 the to other counuie8
8rY)und the world on MI￿0￿ tiips.
hobcling cnJsade8 and opeTrair
meetsngs. Spre8diTrJ the Wwl of
(>)J through Wurxi In ￿￿5￿,
recordings sent In their hundreds
WOTIth4Kle touching more than 32
nari￿￿. Publishing Camiel wchiTrg.
90ing into 811 the wodd thr￿U￿ wrrtten
and audio public&r40ns.
COMMUNifY IMPACT
￿￿T
Flespanding to SDCI81 needs in the
local communty in Speci￿ and
appropriate ways through such
p￿ects as the Hamper Prt)jett at
Chnsun8s, the weekly Saup R(n lor
the homeles& and the *orehouse for
families going thrY)ugh drfhCu￿ timgs
in our communty.
(kn"ng a netsvot* of Churthes in the
UK 8r¥J ￿rEe&S that rdate rogether
under the spitiuJ&l CLweryng 8nd over-
* ofCTrA fvjflling rhe a￿￿ti* c81
of Touching the Wortd., rnsulU"ng n e
U&ng the medig to challenge secthr
common LK￿ 8nd a couragecAts v￿ce thinkn'ng ttWTh￿J films, b￿kS and 35
in today's world.
bmad sdeclj￿ ol targeted

## **PRISON MINISTRY** 

The prison ministry experienced severe COVID access restrictions over the course of the year, which limited our ability to deliver comprehensive services in line with our vision. Here is an overview of our activity over this financial year: 

## **Prison Ministry:** 

The function of our prison ministry is to continue as authorised to help and support the chaplaincy teams of four different Prisons in the city of Bristol. We organise Sunday services where possible in all 4 prisons. We also lead bible studies and one to one counseling (two sessions) in Ashfield prison fortnightly on Mondays. Each prison has a dedicated team and a team leader except for East Wood Park Prison where we have two teams and two leaders. There is also a team for bible studies in Ashfield prison. Altogether, we have a team of 20 people serving in prison ministry with some team members visiting two to three times a month as access allows. The following is detailed information about each prison. 

**Ashfield prison:** Bible study and one to one counseling sessions every fortnight on Mondays 1:30pm to 4:15pm. Sunday morning service every second Sunday of the month, 12 times a year. 

**HM Eastwood Park (Ladies prison):** Sunday morning service every sixth Sunday or 8-times a year. In addition, we distributed gifts to around 400 prisoners for Christmas and also at Easter , which was funded by our Church’s internal fundraising events. We also responded to a request for clothes, as the prison was running low on stock (to give to women when they leave the prison). 

**Horfield prison:** Sunday morning service occur every first Sunday of the month, 12 times a year. 

**Leyhill prison:** Sunday morning service occur every two months, 6 times a year. 

**Altogether, we had a plan to conduct weekly Sunday services as last year (2020-21) between the four prisons, but unfortunately, COVID restrictions impacted plans to service these venues. (March 2020 onwards prisons were on complete lock down for a period.)** 

35 



## **TEACHING AND EQUIPPING** 

## **REACHING THE NATIONS:** 

The team continued to educate congregation members with the running of the ‘Reaching Nations’ training which focused on different faiths. Congregation members were equipped in how to evangelise and addressing the growing secular viewpoint of Christianity. 

## **STRATEGIC INFLUENCE:** 

We understand not everyone wants to go out on the street and share their faith but equipping people with the knowledge they need to educate people undergirds the great commission being fulfilled as a lifestyle rather than as an event. 

We continue to identify that each team needs to be structured around the audience they are looking to engage. This approach continues to result in an increase in salvations and a much warmer response when presenting our Christian faith. 

We have a teams going onto the streets on Friday and Saturday morning and evenings. These teams engage the younger generation but 

have also have seen a variety of ages when reaching out to those heading out to nightclubs and those of a homeless/street background. We have also seen an increasingly diverse religious background when speaking to people from faiths that include Hindus, Muslims, Sikh, Buddhism and those of an Atheist background). 

## **IMPACT IN THE COMMUNITIES:** 

The literature that was handed out also supported the premise that people would come to church. 

We are also helping the youth of our community especially college and university students by meeting them every Friday evening. The increased involvement of church youth continued to bring a dramatic change and increase number of salvations to those of the same demographic. 

The two CMI produced leaflets, ‘You Can Live Forever’ (centred on the salvation) and ‘You Can Have Complete Healing’ (centred on healing) continue to answer the questions we encounter on the streets. 

We have plans to produce further leaflets to help people to understand the role of the church in the community based upon the questions 

that regularly crop up. Being audience led rather than dictatorial in our approach. 

We have also discovered a great external link to supply us with other literature.  They are called World Missionary Press. They have helped tremendously with resources providing us with thousands of booklets and that continue to helped show the way  to Christ. 

Over the course of 2021 we have seen more salvations in comparison to 2020 . With these results we have steadily reversed the trend of people saying street evangelism is dead and seen more and more people willing to discuss aspects of faith. 

Using the strategy of people first, we connect with people and this gives the team a more productive investment of time, money and resources. 


36 



## **PETRA** 

Our Petra team have continued to inspire growth for each of the five Carmel City Church locations in light of ‘covering the city’. The COVID restrictions across 2020 and 2021 meant that we could go out to evangelize as a team for a large portion of 2020 and  2021 onwards, and therefore we could not achieved the growth and required statistics for the year. 

Some information regarding PETRA across the years: 


The department functions: Twice a week we meet at Carmel. Every Friday at 11:00 am we gather at Carmel Every Saturday at 11:30 am we gather at Carmel When we gather we pray and ask the Lord for the direction before going out on the streets. In our departmental function we have a team of passionate, enthusiastic and diligent people who love our Lord Jesus and desire to make a difference in people’s lives. There are number of stories/ testimonies, we will never forget how the Holy Spirit touched people who cried out like babies and gave their lives to the Lord. 


37 



## **CHAPLAINCY EVERYWHERE** 

The COVID restrictions impacted care homes in that the venues could not accepted visitors until government restrictions were lifted, and as such we have not had the opportunity to minister in the care homes. However, as restrictions were lifted, we engaged where possible in restarting the service. 

Since we launched ‘Chaplaincy Everywhere’ many people have now passed the induction course that we put in place in line with teaching and equipping people to do life. This course has helped many people who serve in the Chaplaincy teams get an understanding for the boundaries they work under and how to work within these bounds whilst promoting the gospel. 

Within the Care Home sector of activity, we are visiting seven homes regularly during the week. As a result, we have had many salvations, conducted some funerals and internment of ashes services. This has seen some visiting relatives and staff are present throughout the experience so people can get a grasp of what we are doing and how we are helping the older generation connect to Jesus. 

The Chaplaincy ministry is made up of volunteers who have been trained in the ways of a Christian visitor going into Aged peoples care homes and 

- talking to residents about anything they want to talk about and listening to their story. 

- Building up relationships with them and sometimes with their families. 

We are a completely volunteer group of, at the moment 9. Reverend Ken and Julia Turner run a 7-week course, one night a week of 2 hourly sessions. We are a uniformed group, we purchase our own uniforms, which are a clerical shirt or blouse for the ladies optional. 

Reverend Turner is an ordained minister of the gospel who is sometimes invited to conduct funerals of which he has done many. We do not take a fee for ourselves but pay the fee into the Chaplains Fund. 

All our work in the care homes is free to them. Once we have established ourselves in a home we can begin to share about Jesus and our beliefs. Some of the residents are willing to talk about it and some are not, there is sometimes opposition from families. 

We have used the Methodist format for Chaplains for teaching purposes and find this works quite well and suits our needs. We are always aware when in a care home that we are guests and they are the hosts. This way we cannot overstep our purpose for being in the home. Reverend Ken Turner visit 3 care homes, Julia Turner goes to one on her own in Clevedon and an additional two which gives her three. More people are becoming interested 

in chaplaincy, so we will run another course soon. 

For the next year we will be looking for more homes to place them. We depend on the Lord for that as to which home to go to promote the gospel.  There is an introductory letter from Pastor Michael Fletcher, when a manager is interested, we simply tell them who we are and what we do. One of our regular homes has just closed its doors so that frees the team up. Reverend Ken Turner also visits hospitals as the need arises. 

## **SUNDAY SERVICES:** 

Aside from weekly activity we have been asked to facilitate one service at one of the care homes we serve during the week, Bamfield Lodge, Hengrove every 3rd Sunday of the month. These services include praise songs, Bible messages and Holy Communion. 

## **INFLUENCES:** 

As we have grown over the course of the year we have been able to equip people in the following areas: 

- Care Homes 

- Prisons 

- CBI (Leadership Academy) 

- NHS 

- Citizens Advice Bureau 

- Drug and Alcohol Rehab 

38 



## **MEDIA** 

## **REORGANISATION:** 

Internally, Carmel Ministries International managed media activity (logistically and financially) with a team under Carmel Media. The team build upon the established brand of CMI and produce the necessary communications needed for Carmel Houston and establish credibility for Carmel Global. 

Carmel Media continues to assist the ministry. This includes the maintenance of  several websites: carmelcitychurch.org, carmelbiblecollege.org and carmelchristianschool.org. Carmel Media is also responsible for the promotional material used to advertise events and the ministry. This can be in the form of: Videos, Posters, Flyers, Social Media tools, Booklets, photography and digital slides. 


39 



## **MISSIONS** 

2020/21 focus was to engage more congregation members to get involved with Missions. Our focus was to make missions more accessible by allowing them to work alongside seasoned missionaries and bible school students, within COVID guidelines. 


UGANDA: 

Sadly our continued commitment to the Ugandan Mission  was financial only, due to COVID. 

Carmel ministries has supported Gospellife International over the past twelve months with monthly donations in support of the ongoing work of the children’s ministry 

(Alina’s kids) based in Mbale Eastern Uganda. 

The funding has benefited the ministry in enabling it to move to larger premises and taking more children into its care off the streets. 

Through the extra funding given by Carmel’s children church, we were able to take the children to various outdoor seasonal activities, and these regular donations ensure children received their ongoing  specialist medication needed to combat the AIDS virus, pay school fees and provide all their needs. 

## SHORT-TERM MISSIONS: 

We want to engage more congregation members into missions as Uganda can prove too much of a commitment for some. The Church has continued to support Ken and Claire Suckling, Love Zambia and the ladies conference continued to raise funds for Love Zambia work that continues to build year on year. 

## ELEVATING OUR CONGREGATION: 

Continuing with our relationship with Gospel Life Ministries we ran another 

Mission to Uganda (Mbali in village called Nakolake), which included members of the congregation of Carmel City Church for the first time. 

Our mission continues to get the orphanage up to speed as the need in the area was now at a critical state. This team essentially would be impacting the lives of many generations by giving them a much needed home. 

We had made plans to revisit Uganda for our 22nd mission project with Carmel. Unfortunately, due to travel restrictions put in place by GOVT COVID guidelines, all mission trips to Uganda and other countries were canceled. 

## ELEVATING WITH OUR EXISTING CHURCH BASED MISSIONARIES: ZAMBIA 

This year, we continued to support missionaries in Zambia and Uganda through financial aid. 

## MISSION TRIPS PLANNED 

During this year, we have planned several mission trips to Bosnia as part of the Youth Ministry, to carry on building relationships with the church there. And also, to carry out another mission to Uganda. Sadly, these mission trips were canceled due to global travel restriction. 

40 




## **CARMEL HOUSTON** 


In 2016 we saw the birth of Carmel Church Houston and have seen God ’ s hand direct us supernaturally to our present location in Needville Texas, which is all part of the greater Houston area.  The position of the church is intentionally on this side of Houston, as Houston expands west with the rapid growth of its population and commercial industry. We are here to help new people coming into the area to find a church and engage in the community. Carmel Church continues to maintain a relaxed, family atmosphere. Among its congregation are people from many different backgrounds, ages and nations coming together to worship God and learn about the culture of His kingdom. 

Although 2020 was a challenging year, we have seen the faithfulness of God carry us through and still see growth. The word for 2020 was Finding Focus and how we needed it to help us navigate through the whole pandemic crisis. Our governor here in Texas saw the Church as an essential services and allowed us to stay open and continue with services and help our community. 

The Word of the Lord for 2021 was Building Dreams from Jeremiah 29:11-13; “ For I know the plans that I have for you, declares the LORD, 'plans for welfare and not for calamity to give you a future and a hope. Then you will call upon Me and come and pray to Me, and I will listen to you. You will seek Me and find Me when you search for Me with all your heart. ” God ’ s Blueprint for Building Dreams required three things; Attitude - Application – Adaptability. 

The ATTITUDE in building is to begin to think like God thinks; We change our present limitations and progress into our potential by applying God's promises of limitless possibility, to dream the impossible dream. Our Live Stream is now being broadcast on 5 platforms with the new equipment that has been installed with better lighting and sound that has attracted many visitors to the church that has contributed to our growth and a 30% increase in attendance. 

The APPLICATION of building is to take what we know in the Word and begin to apply it first in our own lives, before trying to take it to every other place. 2021 gave us many opportunities for growth and we saw an increase in attendance and new teams being established that is directly impacting our community. We started going house to house with our Petra Team and sharing the gospel with families and inviting them to church. We have seen many come to salvation on their doorstep which has been awesome. 

The ADAPTABILITY of building is to keep our eyes on the blueprint of Faith and not the circumstances that may confront us. To keep the mission before us and to not stop or become distracted until the mission has been accomplished.  Our Home School Hub has grown and more families in the area are showing interest in it and it will be part of the 2022 vision to establish register it with Accelerated Christian Education. The Teaching Center is now fully functional and Carmel Bible College has registered students for its Pilot Program that will be launch in January 2022. Our monthly Leadership Meetings continue to grow as new departments are added and see an increase in our volunteer base which is such a blessing. 

We have finally been given the go ahead to purchase the church site and are in the process of putting in a bid to AG Financials for its purchase and future development. 

> Pastor Gerri is still the Chaplin of the local chapter, The Guardian Riders, for Christian Motorcycle Association that was started with a friend together in 2019, and 2021 saw it becoming an official inaugurated chapter listed nationally in the USA with CMA. 

We are extremely grateful for the prayers and support we have received from Carmel Bristol and the leadership team, and am thankful for all the encouragement we have received from our home base. Carmel Bristol has been there for us through our tough times and inability to travel back home to visit and we know that without their help we would not have progressed as well as we have, thank you Bristol. 

**Houston 12412 Highway 36 Needville Texas 77461** 

Since 1996 Carmel Ministries International has seen a steady growth and influence in Bristol, the UK and beyond under the guidance of its founders and general overseers, Bishop Gerri and Pastor Michelle Di Somma, who continue to cast vision for the ministry globally. 

41 



ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 ocfoBER 2021
Carmel Ministries International
(A company Ilmited by guarantee)
Charlty reglstratlon number: 1094052
Company reglstration number: 04478212
Independent Examlners Ltd
2 Broadbrldge Buslness Centre
Delling Lane
Bosham
Chichester
West Sussex
P018 8NF

CARMEL MINISTRIES INTERNATIONAL
CONTENTS
Legal and Admlnistrative Infomiatlon
Trustees, Report
2toll
Independent Examlnerfs Report
12
Statement of Financial Activltles
13
Balance Sheet
14
Statement of Cash Flows
15
Notes to the Flnanclal Statements
16to27

CARMEL MINISTIUES INTERNATIONAL
LEGAL AND ADMINISTRATIVE INFORMATION
Charity R¢gi•tration
Number
1094052
Company Rogi•tratlon
Numljer
04478212
Geth 01 Somma
Rlchard Carson
Wayne Sklnner
R•gl•tered addr•
817a Bath Road
Brislington
Bristol
Avon
B54 5NL
Bankers
Royal Bank of Scotland PIC
P.0 Box 10
38 St Andrew Square
38 St Andrew Square
EH2 2AD
Indep¢nd•nt Ex•mln•r
G W Schulz ACMA
Independent Examlners Ltd
2 Broadbrldge Buslness Centre
Delllng Lane
Bosham
Chlchester
West Sussex
P018 8NF
Page I

CARMEL MINISTRIES ZNTERNATIONAL
TRusfEES' REPORT
The Trustees, who are directors for the purposes of company law, present the annual
port together with the financlal statements of the charitable company for the year
ended 31 Ortober 2021.
Structur•i gOV•man￿ and m•nagement
The organisation Is a charitable company Ilmited by guarantee, incorporated on S July
2002 and reglstered as a Charity on 4 Ortober 2002. A review of the Articles has been
undertaken to ensure they are In line with current le9al and best practlces and was
adopted by Speclal Resolutlon on the 27 Ortober 2016.
Recrultm•nt and •ppolntmMt ol Trust••s
The dlrectors of the company are also the Truste￿ for the purposes of Charlty Law.
Under the requirements of the Memorandum and Artides of AsSOCiatlon, the Trustee5 are
not subjert to retirement by rotatlon. Unless otherviise detemiined by the Charity in
general meeting, the temi of office of a trustee shall continue until helshe retires or is
removed In accordance with the relevant provisions of the Artlcles. In the event of the
appointment of a new Trustee, a full Induction and tralnlng pn)gramme will be developed
In line wlth the prevalllng best prartlces as set out at the tlme by the Charlty
Commlsslon.
organI￿tIonal stnKtur•
The Trustees provide 5trateglc and vlslonary leadershlp to the organisation. Wlthin the
guldelines lald down by the Trustees, dally operatlonal dedslons are made under the
dlrertlon of the Chlef Executive offi￿r, who Is also the Chalr of the Trustees.
As part of the dellvery of the vislon of the organlsatlon a tallored Executlve Structure has
been formulated, uslng the tldes, Share; Ca￿. Prepa￿. Dare and Welfa￿. The senlor
adminlstrative team focuses the actions of those who work wlthin the minlstry, both as
pald staff and volunteers to ensure the dellvery of the vislon. In January 2011, the first
year of a five-year vlsion was launched, brlng the 20-year vislon of the Mlnlstry to a
culmlnatlon.
SHARE
Thls Indudes dlvlsions servlng: Guest services, Events, Youth Minlstry,
Children's Church.
CARE Thls Includes divlslons serving: Partner Services. Home Groups, Llfe Groups,
Humanltarian, Recreation
PREPARE
Th15 Indudes dlvisions servlng: Carmel Chrlstyan School, Cam)el Blble
College. Narne changed to Carniel Bible Institute, Adult education, Prartical Mlnlstries,
Resources.
DARE - This Includes div151ons serving". Outreach. Mis51ons. Media, Communlty Impart,
C.. Net.
WELFARE
This includes dlvisions serving". Carmel Bu&ness Solutions, Flnances,
Regulators, Human Resources, Logistlcs.
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CARMEL MINIsfRIES INTERNATIONAL
TRUSTEES. REPORT
In addition, Camel Christian Centre has an Overseer management committee who meet
weekly and are ￿POnSIble for the strategic and operational management and reportjng
of the Charity to the Chair of Trustees. The Overseers of the committee report5 direttly
to the Chalman of the Board of Trustees. This committee has rio voting right5 but is
responslble for the daily provision of the services of the Charfty. A Structu￿ of delegation
is In place and day to day accountability for the provision of the Services rest with the
Chief Executlve along wlth the Company Secretary and Finance manager. The Chlef
Executlve Is re5ponslble for ensurtng that the Charity delivers the servlces speclfied and
that key perfomance indicators are met. A Human Resources officer 15 responslble for
individual supervisSon of the staff team and also ensuring that the team contlnues to
develop their skills and working practices in Ilne with govemment leglslatSon and good
prattice. The Chrlstian School has a Board of Governors who a￿ responsible for the
dellvery of the full range of skllls Withln the school. The Blble Institute has a Dean
supported by an adminlstratlve staff that provides the full range of 5UPPOrt needed for
the students.
Rlsk man•g•m•nt
All flnanclal transactlons are processed vla a rtgorous system that ensures that all
transartlons are authorlsed by a senlor member of stsff. All members of stsff completed
Health and Safety and safe guardlng trainlng to ensure that our systems and prO￿dureS
are up to date and comply wlth all relevant legislatlon and mltlgate harm to people In the
bulldlng as far as posslble.
Levels of rlsk are monltored by members of the Executlve management team, and
reported on, and dealt wlth as approprfate. Our risks Indude:
Flre at the bulldlng. Thls Is mltlgated by en5urlng that our electrfcal Installatlon Is In a
safe condltlon, that our portable appllances are regularfy tested and conflnned safe. A
remotely monltored fire and smoke alarni ensu￿ that the Avon Flre and Rescue crews
are called to the bullding In the event of an alami. All firefightlng equipment Is
malntalned by a specialist firm through annual inspertlon
Theft and crlmlnal damage. This Is mltigated by Installing a dual PIR sensor alarm
system throughout the bulldlng. This Is regularly maintained by a speclalist alarni firm
and Is monitored by a remote alarm centre. The system Includes an autodlaler that
connects to the local Pollce FO￿ In the event of an activatlon whilst the bulldlng Is
closed. Whilst the buildlng Is open, all access doors are protected by swipe card access
polnts so that casual vlsltor5 cannot access the bulldlng wlthout the approprlate
equipment.
Reputatlonal damage and risk of closure. We maintain the school to a high standard and
are Ofsted registered and Inspected to ensu￿ our stsndards are verlfied by an outside
body. Inabillty of our key personnel to be able to deliver publlc speaking engagements
thereby affecting our voluntary income on a Sunday. This risk is mitigated by developing
strength in depth of those that can deliver public speaking engagements should the
designated speaker not be available.
We maintain a Soclal Media policy to ensure our media exposure Is maintalned to a high
standard. We have reviewed our Memorandum and Artides to ensu￿ we are In Ilne with
cu￿ent law ond best prattise.
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CARMEL MINISTRIES INTERNATIONAL
TRUSTEES. REPORT
Data loss. Our ￿ systems have been built to ensure a robust backup of busine55 Critical
data, and we are exploring the extension of that to Indude cloud based backup5 as an
addltional layer of backup.
Local clvll unrest. Thls Is mitigated by the Installation of a secondary alarm in the
building. It Is used when the bullding needs to be locked down, and alert users not to
leave the building. Safe guarding poliry ensures compliance wlth leglslatlon and local
authorlty requirements.
Outslde scrutlny
Carmel Ministrles Internatlonal Is scrutinised by a number of outslde public bodies. As a
Charitable Company we are wulated by both Companie5 House (Company reglstered
number 4478212) and the Charity Commlsslon [Charlty reglstered number 10940S2). As
a School we are regulated by OFSTEO. DCSF number 80116021 OFSTED Unlque
reference number 132774. The bullding Is registered as required by the Places of
Worshlp Registratlon Act 1855. The building Is reglstered for the purposes of marrlage
under the Marrlage Act 1949, Section 41.
Whlstleblowlng pollcy
Employees may, in carylng out thelr rest>onslbllltles, have access to, or come into
cont.act with, infonration of a confldential nature. The tems and condltlons provlde that
except In the proper perfomance of thelr dutles, employee5 are forbidden from
dlsclosingi or maklng use of In any forn whatsoever, such confldentlal inforniation.
However, the law allows employees to make a "protected dlsclosure. of certaln
Infonnatlon. In order to be "protected. a dlsdosure must relate to a speclfic subjett
matter {Ilsted below) and the dlsclosure must be made In an appropriate way. If In the
course of employment, an employee becomes aware of infomiation whlch they
reasonably belleve tends to show one or more of the followlng, they must use the
Company's dlsclosure procedure set out below..
a) That a crlmlnal offence has been commltted, Is belng commltted, or Is Ilkely to be
commltted.
b) That a person has falled, is falllng, or Is Ilkely to fail to comply wlth any legal
obligation to which helshe Is subject.
c) That a miscarrlage of Justice has occurred, Is occurring, or is likely to occur.
d) That health or safety of any indlvidual has been, Is belng, or Is likely to be
endangered.
e) That the envlronment has been, Is belng, or Is likely to be damaged.
fj That Infom)ation tendlng to show any of the above has been, Is being, or Is Ilkely to be
dellberately concealed.
Dlsclosurn proc*durn
Infomiation which an employee reasonably believes to show one or rn0￿ of the above
should promptly be disclosed to their managerlsupervlsor so that any appropriate actlon
can be taken. If it is inappropriate to make such a disclosure to the managerl supervisor,
the employee should speak to Rev. G Oi Somma.
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CARMEL MINISTRIES INTERNATIONAL
TRUSTEES. REPORT
Employees will suffer no detrlment of any sort for making such a disclosure In
accordance with thi5 procedure. However, failure to follow this procedu￿ may result in
the disclosure of infomiatlon losing its "protected status" For further guidance in relation
to this matter or concernlng the use of the disdosure procedu￿ generally, employee5
should speak in confidence to Rev. G DI Somma.
ObJectIv￿ and actlvltl•s
Objèrts and alms
The obJects of the Charfty are:
Advance the Christian Faith In accordance wlth the Statement of Bellefs In such parts
of the Unlted Kingdom and the world as the Trustees may from time to time think fit.
Other such purposes whlch are exdusively charitable according to the law of England
and Wales and are connected with the charitable work of the Charlty.
Publlc b•n•fft
The Trustees confinn that they have complled wlth the requlrements of sethon 17 of the
Charitles Act 2011 to have due ward to the publlc beneflt guldance published by the
Charlty Commlssion for England and Wales.
In Ilne wlth Charlty Comm155ion guldeline5 the Trustees contlnually ￿vIeW the Charlty's
fulfilment of public beneflt. As outlined above the Charity's Alms are to
l. Promote rellglon thmugh the pmmotlon of the Chrlstlan Falth: and to
2. Undertake such purposes which are excluslvely charltable as defined wlthin the law of
England and Wales.
The primary purpose of the Charlty Is to promote the Chrlstlan Faith. To support thls
alm, the Charlty provldes a bullding as a place of worship which the publlc is free to
attend. Access is contlnually reviewed In the Ilght of relevant dlsablllty leglslatlon to
ensure public worshlp servlces are as fully accesslble as possible. The buildlng has clear
extemal slgns and has Invested In large road front signage that promotes visibillty. The
Charlty malntains a website that provides fvll details of the services provlded, includlng
the open public worship ser11￿S, and ensure as far as 15 posslble that Intemet search
engines retum that website address on the flrst page of results. Following the Charity
Commission's guldance, the Trustees belleve that this provlsion in itself satisfie5 the test
for public benefit. Notwlthstanding that. the Trustees ensure that the following services
are provlded t￿t further promote alm number l - the promotlon of religlon.
Condtsrtlng Chrlstlan Instrurtlon for chlldren durlng open worship servlces. Conducting
rellgious Ce￿MOn￿eS such as wedding5 and funerals. Supportlng Pastoral staff In thelr
duties through Stipends. Provldlng forums where enquirers can investigate the Christian
Falth without obligation, specifically
. Through street teams.
Through the provlsion of food on the street to the homeless.
• Through UK based and Intemational mlssion attivities.
Page 5

CARMEL MINISTRIES INTERNATIONAL
TRUSTEES, REPORT
Through a food bank.
Writing, producing and promotlng Christlan l)ooks. ProvSding a retail Chrlstian book shop.
Teaching a course introducing new converts to the basics of the Christian Faith. Vislting
the sick in hospitals. Promotlng efficiency in other Christian Charities and Intemal
departments through marketlng; branding and website design. Continuing within these
aims, It Is dear that dudng the past year the Charlty fuifils the 'other such purposes,
charltable funttion as set out below
2. 1. The preventlon or relief of poverty
2.2. The advancement of education
2.3. The advancement of cltlzen5hip
2.4. The advancement of the arts
2.5 The rellef of those In need. by reason of youth, age, 111-health, dlsabllity, financlal
hardship, or other disadvantage. In fulfilment of alm 2, the Trustees note the followlng
actlvities that fulfll Public Benefit.
2.6 Openlng a free food and provislons bank. And 2.6. Provlde debt management advlce.
Run a Money Management course.
2.7 Malntaln a full tlme day school.
2.8 Malntaln a Blble Instltute. Maklng free courses avallable coverlng pre-marrlage
counselllng,. Marrlage counselling,. Dlvorce counselling and Bereavement counselling.
Teaching a course of the baslcs of the Christlan Faith In local prisons. And 2.3. Provide at
COSt prlce the baslcs course to other churches. Distrfbute free audlo cd's both nationally
and intematlonally espouslng the tenets of the Christian Falth. Stream Christlan materlal
vla the Intemet
2.9 Convenlng tlmes of Christlan worshlp In four local prlsons. Asslstlng In the
Chaplalncy dutles at local prlsons.
2.10 Wrltlng, produclng and presentlng public performances of plays and musicals
written by members of the Charity. Encouraglng prayer. praise and study.
2.11 Provlding a bursary scheme for the Blble Institute.
2. 12 Provlding a subsldy scheme for the Day sch<MJI.
2. 13 Empower creative designers wlth freelance and intemship work, to enable them to
Improve thelr employability potential.
2. 14 Support local businesses wlth professlonal brandlng and marketing skllls.
2. 15. Provlding a chaplalncy service to various care homes
Future plans to fulfil the Publlc Beneflt requlrement a￿.
l.Grow our serrfices In the communlty.
2.Greater joint working Initiatlve5 with other charitles and churches
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CARMEL MINISTIUES INTERNATIONAL
TRusfEES' REPORT
ObJertlv•s strnteglqs and artlvltles
The main objertive5 and artivltie5 for the year continued to be focused on the promotion
of the Christian faith, education, Improvement of life skills and family values. childcare
and allevlation of poverty.
The strategles employed to assist the Charity to meet these objectives Included the
following:
Provldlng a range of services within the community which are reflectlve of relevant
quallty standards and addressing the potential and ongolng challenges.
Feeding and clothlng the homeless and depdved as well as the rellef of poverty In our
local community.
Establishment of a free food bank.
Providlng educational support and sep4lces to the communlty.
Educatlon and care of chlldren and youth.
Engaging wlth the Prfson Chaplalncy Serv1￿ to provlde spirltual support and guidan
to four local prisons.
Providlng Chaplalncy Servlce to varlous Care Home5 In the communlty.
Maintaln a book shop.
Provide teaching material f￿e to the end user, dlstrlbuted wlthln the UK and overseas.
Mlsslons and services worldwide.
Internet streamlng of church seprflces.
Bulld relatlonshlps wlth other Chrfstlan Ministries around the world.
Re-launch churches by providlng media servlce5 and branding support.
Provlde work experlence to help people 'get back to work. or Joln a new workforce.
Provide media solutlons to communicate varlous fundralslng OPPOrtunltles for charftles.
Plost conferences to further the Chdstlan Falth.
Provldlng real-tlme trnnslatlon of Sunday servlces Into 3 languages avallable over the
Intemet.
Contlnuatlon of the v151on to flnd ways and Means of reathing out to the communlty,
belng proartlve in assesslng and strateglslng the rlght approach to the needs of people
we contact or who contact us.
Our Mlsslon 15 clear
Carmel's mlsslon statement Is Luke 9.2 'He sent them to preach the Klngdom of God and
to heal the sick. whlch was given to us In 1994 and has become focal point of all we do
and help5 us navlgate God'5 unfoldlng plan for Carrnel. To achleve thls God gave us a 4-
phase strategy: Whlch is to cover our city, bless our neighbour5, send to the nation and
touch the world, thi5 allows us to multiply globally establishing the vislon of God. The
concept of one Church, many locatlons is the 81ueprint of the Mlssion, Strategy and
Process that the vision of Cannel follows. Following this blueprint has seen the work
nourfsh.
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CARMEL MINISTIUES INTERNATIONAL
TRusfEES' REPORT
Vislon
All vision comes from God and with this He glves a strategy for its fvlfilment. God had a
vlsion of man when he created the heavens and the earth! He had a vision of ￿demption
when man fell, He had a vision for the church when Jesus Christ returned to heaven and
He has a vision for His bride for when He ￿turnS. Vislon is a prattical and purposeful
necessity for believers in today's world. It is our re5ponsibillty to draw near to God to
flnd out just what It Is. Carniel's vislon is rooted in four basic instrurtlon5 whlch align u5
wlth the book of Acts 2:42 {MEV) They continued steadfastly In the apostles. teaching
and fellowship, in the breaklng of bread and In the prayers.
V151on Values
We all have an important role to play Sn seelng the vlslon establlshed In preparatlon for
the return of Chrlst, we have been ploughing and planting for over 20 years wlth many
ministr4es being birthed and many flnding their place In the global family of God. It Is
tlme for the great harvest of souls and God has glven us thls wlndow of opportunlty.
A prophecy glven In 2016 sald: "Seeds planted years ago have come to full maturfty and
are ready to be harvested. Winds of change are blowing and a changlng of the guard Is
comlng to the Church as well as the political arena. Weeds are belng uprooted that have
been choking the Ilfe out of my chlldren and dlstractlng them from me." We contlnue to
see these changes globally and It Is as If the church Is awakenlng from Its slumber and Is
beglnnlng to roar like the Llon of the trfbe of Judah.
Achlev•ments and perforniance
Context on the year: We would like to preface thls report by glvlng context on the year.
Due to COVID-19 and Its unforeseen effect on society as a whole,. many projects we had
In mlnd we elther postponed, strongly modified or cancelled. Because of thls, much of
the mlnlstry has remalned the same, and very few strurturdl chan9es have occurred.
2021 was the year where we Bullt Dreams, we began to put in place many projerts and
minlstrles that would lead us to fulfilling God'5 mandate for Carmel Mlnlstrfes
Intematlonal. This year, we aimed to bounce back from a year filled with restrlrtlons and
challenges, and place efft)rt Into creatlng beneflclal projects for all our congregatlon.
2021 was about BUILDING DREAMS. Focusing on that which God has ordained for thls
mlnlstry. Our focus was to be that of faith: Falth in Jesus, the Son of the Ilvlng God.
Falth to Ilve out our daily Ilves with our family. Faith to share the gospel with everyone.
Faith to serve the church and in the church. Faith to serve and bless our community both
wlth prayer to see lives enhanced and also with the practical; le soup run, food bank,
Chrtstmas hamper5.
God has tsken us from a local church to a global vlslon and is now worklng the
successlon plan that has given us the knowledge to build internationally. The restructure
of our leadershlp model Is worklng well and is allowing the team to operate on a greater
level of creativity and autonomy. There is still much to do and confidence has grown In
both the overseer5 and the church famlly to see our communlty Impacted by the Gospel.
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CARMEL MINISTRIES INTERNATIONAL
TRusfEES' REPORT
As the apostollc oversight and founders of Carmel Ministrles Intemational and Carmel
Global Ministries we a￿ always exated to see how God leads us. Every year we build on
the platforni of the previous year, It Is not a change of focus but rather an unfolding
revelation of God's building plan. It Is never comfortable and requires us to grow in
ourselves that wlll ￿lease the potential that may be laying dormant In us, It also
presents us wlth the opportunity to learn and employ our gifting to the Glory of God.
The name Carmel means to be fruitful and to flourish and we have seen thls In the Ilves
of those that have travelled this Journey of FAITH with us. The strength of this minlstry
Is to equip people to do Ilfe and thls Is athleved through the teaching and tralnlng of the
Word of God.
As always, we are exdted about sharing the vlslon for Carmel as It Means we get to go
higher, wlder and deeper wlth the misslon and mandate God has declared over us all, so
together we can Enjoy the Journey.
Flnanclal rnvlew
The prlnclpal fundlng sources of the Charity are by way of donatlons glven malnly by the
COng￿gatIon In the form of tithes and offerln95. These are free will glfts glven wlthout
expectatlon of favour, reciprocal glft or use of services. Gifts In klnd are valued at thelr
estlmated value to the Charlty. Zf a donor specifies that a donation Is to be used for a
specified purpose, the amount wlll be t￿ated as ￿$tricted funds. Quallfylng expendlture
Is set agalnst the restritted funds. Designated funds are unrestrlrted funds that the
Trustees have deslgnated for a specific purpose. Income generated from deslgnated
funds Is treated as general Income. General funds are nelther designated nor restrfcted.
Overall Income for the year was £553,119 (2020: £584,747), and total expenses
£436,410 (2020: £484,980). The Trustees are aware of these expenses and fom)ally
approve them at the Trustees meetlngs as they are presented.
Camiel Mlnlstroes Internatlonal general fund Is an unrestrlrted Income fund and therefore
requ6￿$ a reserve pollcy. Whllst the pollcy remains to malntain ￿SerVes, the Trustees
are very aware of the general legal duty to apply charltable funds wlthin a reasonable
tlme of receiving them and have actively encouraged delegated staff to utlllse fijnds on
charttable purposes Wlthln their charitable obJertlve5 and In a manner that as far as
PO55ible meets donorfs wishes. It Is noted that a number of donors may specify that their
fundlng is Intended to provlde fundlng for a specified projert. Where this is specifically
restrlcted, the projett fundlng wlll be ring fen￿ Into a Restricted fvnd and wlll not form
part of this reserve pollcy.
The Trustees have condurted a thorough revlew of the major rlsks that would prevent
the Charlty carying out it5 nomial weekly operation [see above), and arE satisfied that
sufflcient steps have been taken to mltlgate those risks sufficiently to ensure contlnued
operation.
The Trustees are confident that In the event of a catastrophlc event that affetts the
building that they could call on the church members to continue to support the Charfty
through voluntary donations direct into the various bank accounts until such time as the
building is brought back into operation.
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CARMEL MINISTRIES INTERNATIONAL
TRUSTEES. REPORT
The Trustees note that the ojrrent Free Reserves stand at £60,748 and are satlsfied that
future plans, together with improvements to income due after the Balance Sheet date
[see paragraph on The Charfty as a Golng Concem], will brlng the Free Reserves in line
with this policy.
Golng for4¥ard the Trustees wlll wularly wlew this Policy with the intention that Free
Reserves will be held at a level commensurate with three months fixed costs for the
Charity.
Golng concern
The Trustees have revlewed the current environment in which the Charlty operates and
are satisfled that there a￿ strong reasons to believe that the Charlty wlll be a golng
concem Into the future. There have been no Issues that have arisen since the 8alance
Sheet date that would requlre the Trustees to liquidate the Charlty or to cease its
actlvltles. The numbers of individuals attending the Church 15 Steady, and with It the
voluntary income that artses from that constituency. The &ble InstitLSte Is golng well wlth
new cohort of part time students that has Improved the fee income from the Instltute.
The Trustees also note that the debt outstanding on the mortgage charge over the maln
bulldlng has been satisfied. This has led to a total ￿ductIon on the amount of Interest
charged by sald lender, thus removing the pressu￿ on expenditure. Cash posltion has
Improved slgnlflcantly, however ￿rnaIns an ongoing challenge wlthin the mlnlstry and all
operatlons are managed In accordance wlth the weekly cash flow reporting stnjtture.
Plan• for futur• p¢rlod•
To ensure that the Charity dlscharges Its responslbilltles to the Charity Commlsslon, the
Trustees wlll investigate the legal avenues that can be used to ensure that any tradlng
artivlties of the Charity do not breath Charity requirements.
To ensure the continued comfort and wellbelng of the congregants on the weekend, as
well as the workload of the teams Involved on a weekend, the Trustees will cont5nue to
Investlgate the optlons for opumlslng the maln audltorlum capaclty.
We will Investlgate worklng in partnershlp wlth organisations In the UK and overseas to
dellver support to those In greatest need wlthln sodety.
Page 10

CARMEL MINISTRIES INTERNATIONAL
TRUSTEES. REPORT
Statement of Tru•tees' Responsibilities
The Trustees (who a￿ also the directors of Cam)el Ministries International for the
purposes of company law) are responsible for preparing the Trustees. report ènd the
financial statements in accordance with the United Klngdom Accounting Standards
(United Klngdorn Generally AC￿pted Accountlng ￿aCtICe) and applicable law and
regulatlons.
Company law requires the Trustees tr> prepare financial statements for each financial
year. Under company law the Trustees must not approve the financial statements unless
they are satlsfied that they give a true and falr view of the state of affairs of the
charitable company and of its Incoming resources and applicatloD of resources, Including
Its Income and expenditure, for that period. In preparfng these financlal statements, the
Trustees are required to:
select sultable accountlng pollcles and apply them conslstently;
observe the methods and prlndples In the Charltles SORP.
make Judgernents and estlmates that are ￿asonable and prudent;
• State whether applicable UK Accountlng Standards have been followed, subject to any
material departures dSsdosed and explalned In the financial statements; and
p￿pa￿ the financlal statements on the golng concern basis unless it Is Inapproprfate
to presume that the charltable company wlll contlnue In buslne5S.
The Trustee5 are responsible for keeping adequate accountlng records that are sufflclent
to show and explain the charttable company's trdnsactlons and dlsclose wlth reasonable
accuracy at any tlme the flnanclal posltlon of the charftable company and enable them to
ensure that the financlal statements comply wlth the Companies Art 2006. They are also
responslble for safeguarding the assets of the charitable company and hence for taklng
reasonable steps for the prevention and detectlon of fraud and other irregularltles.
The annual report was approved by the Trustees of the Chadty on l May 2022 and
slgned on Its behalf by:
Wayne Skinner
Trustee
Page 11

CARMEL MINISTRIES INTERNATIONAL
INDEPENDENT EXAMINER'S REPORT
I report to the Charity Trustees on my examination of the accounts of the Charity for the
year ended 31 October 2021 which are set out on pages 13 to 27.
Respectlve responslbSllt5es of Trn•tees and examiner
As the Charity's Trustees of Cam)el Mlnlstries Intemational (ano also its dlrectors for the
purposes of company law) you are responsible for the preparatlon of the accounts In
accordance wlth the ￿quI￿rnents of the Companies Art 2006 ('the 2006 Act.).
Having satisfied myself that the accounts of Cannel Mlnistrles Intemational are not
required to be audited under Part 16 of the 2006 Act and are eligible for independent
examinatlon, I report In ￿pert of my examination of your Charity's accounts as carded
out under sertlon 145 of the Charities Act 2011 ('the 2011 Art,). In carying out my
examination I have followed the Dlrectlons given by the Charity Commlsslon under
settlon 145(5)(b) of the 2011 Act.
Independent examlner's •t•t•m¢nt
Slnce Carmel Mlnistries International's gross Income exceeded £250,000 your examlner
must be a member of a body 11sted in section 145 of the 2011 Act. I confirm that l am
quallfled to undertake the examinatlon because l am a member of the Chartered
Institute of Management Accountants. which is one of the listed bodies.
I have completed my examination. I confirm that no matters have come to my attentlon
In connettlon with the examlnation glvlng me cause to belleve:
l. accounting records were not kept in respect of Camiel Mlnlstrles Internatlonal as
requi￿0 by section 386 of the 2006 Art; or
2. the accounts do not accord with those recorils, or
3. the accounts do not comply wlth the accountlng requirements of sertlon 396 of the
2006 Act other than any requlrement that the accounts give a 'true and falr vlew,
whlch is not a matter considered as part of an independent examlnatlon. or
4. the accounts have not been prepared in accordance wlth the methods and prlnclples
of the Statement of Recommended Practlce for accounting and reporting by charities
[applicable to chadties p￿parIng thelr accounts In accordance with the Flnandal
Reportlng Standard applicable In the UK and Republic of I￿land (FRS 102)].
I have no concerns and have come across no other matters in connection with the
examination to which attentlon should be drawn in this report in order to enable a proper
understandlng of the accounts to be ￿ached.
G W Schulz ACMA
Independent Examiners Ltd
l May 2022
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CARMEL MINISTRIES INTERNATIONAL
srATEMENT OF FINANCIAL AcfIvmES
FOR THE YEAR ENDED 31 ocfoBER 2021
Unrestrict¢d Restrlcted
funds
funds
Total
2021
Total
2020
InLx>me and Enthxvments from:
Donations and legacies
Charltable attlvities
Other tradlng actlvltles
Investment income
other Income
482,865
46,734
347
49
7,203
13,943
490,068
60,677
347
49
495,046
62,908
1,366
Total Income
531 973
553 119
584 747
Expendlture on:
Raislng funds
Charltable artlvltles
445
411 248
445
435 965
109
484 871
Total expendlture
411 693
436 410
484 980
Net
Incomel(expendlture)
Transfers between funds
120.280
(3,571)
116,709
99,767
Net movement funds
Reconclllatlon of lunth
Total funds brought
forivard
111.700
5,009
116,709
99,767
763 289
663 522
Total funds carrled
forward
18
763 289
The notes on pages 16 to 27 fom an Integral part of these financlal statements.
Page 13

CARMEL MINISTRIES INTERNATIONAL
REGISTERED NUMBER: 04478212
BALANCE SHEET
AS AT 31 OCTOBER 2021
2021
2020
P4ote
Fixed amets
Tangible assets
13
768,813
770,323
Current as•ets
Debtors
Cash at bank and in hand
14
16,063
7.160
133,397
40,014
Credltor•: Amounts f•lllng du• wlthln one y•ar 15
Net current assets
111 185
Tot•1 amets l•M current Ilabllltl••
Credltor•: Amounts falllng du• •ft•r mor• th•n
one year
879,998
789,908
16
Net asset•
879 998
763 289
Fund• of th• Charlty:
Re*trlrted Income lund•
Restdcted funds
13,369
8,360
Unrestrlcted In¢ome fvnd•
Unrestricted funds
866 629
7S4 929
Total funds
18
879 998
763 289
For the financial year endlng 31 Ortober 2021 the Charfty was entitled to exemptlon
from audit under sectlon 477 of the Companies Art 2006 relatlng to small companies.
Dlrectors, responslbilities:
The members have not required the Charity to obtain an audlt of its accounts for the
year in question In accordance with sertion 476: and
The directors acknowledge their respon5ibilltles for complylng wlth the requlrements
of the Att wlth respect to accountlng records and the preparation of accounts.
These accounts have been prepared in accordan￿ with the provlsions applicable to
companle$ 5ubjett to the small companies ￿lMe.
The financial statements on pages 13 to 27 were approved by the Trustees, and
authorlsed Tor I
ay 2022 and slgned on their behalf by:
Wayne SkLner - Trustee
The notes on page5 16 to 27 form an integral part of these finanoal statements.
Page 14

CARMEL MINISTRIES INTERNATIONAL
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 ocfoBER 2021
2021
2020
Note
Cash flows from operatlng actlvltle•
Net Income
116,709
99,767
Adjustments to cash flow• from noTh-¢ash It•m•
Depreciatlon
Investment income
Loss on dlsposal of tanglble fixed assets
1,510
(49)
1,085
973
118.170
101,825
Workln9 capltal adJu•tments
Decrease In stocks
(Increasel/decrease In debtors
Dec￿ase In credltor5
6,722
9,938
14
(8,903)
Net cash flows from operdtlng artSvlties
•h flows from Invertlng actlvltl•s
Interest receivable and similar Income
106,806
98,108
49
Ca•h flow• from fln•nclng actlvltl••
Repayment of loans and borrowlng5
Net Increase In cash and cash equlvalents
Cash and cash equivalents at l November
Cash and cash equivalents at 31 October
84,480
32,673
181
The notes on pages 16 to 27 form an Integral part of these finanaal statements.
Page 15

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
I char￿ status
The Charity is limited by guarantee, incorporated in England, and consequently doe5 not
have share capital. Each of the Trustees Is liable to contribute an amount not exceeding
£10 towards the assets of the Charity In the event of Ilquldation.
2 Accountlng pollcl•s
Summary of slgnlflunt accountlng polId￿ and key accountln9 estlmates
The prlncipal accounting policies applied in the p￿ParatIOn of these finandal statements
are set out below. These pollcies have been con&stently applled to all the years
presented, unless otherwlse stated.
stat•m•nt of compllanc•
The flnanclal statements have been p￿pared in accordance wlth Accountlng and
Reportlng by Charities: Statement of Recommended prattl￿ applicable to charftie5
preparlng thelr accounts In accordance with the Flnanclal Reporting Standard applicable
in the UK and Republic of Ireland (FRS 102) (effectlve l January 2019) - (Charlties SORP
(FRS 102)), the Financlal Reportlng Standard appllcable In the UK and Republlc of
Ireland (FRS 102). They also comply wlth the Companles Art 2006 and Charltles Act
2011.
Ba•1• of preparatlon
Carmel Mlnistrie5 Internauonal meets the deflnltlon of a publlc benefit entlty under FRS
102. Assets and liabilities are inltlally recognised at hlstorical cost or transactlon value
unless otherwlse stated In the relevant accountlng policy notes.
Golng concern
The Trustees consider that there are no material uncertalnties at￿￿t the Charity's ablllty
to continue as a going concem nor any signiftcant areas of uncertainty that affert the
carrylng value of assets held by the Charity.
Income and endowments
All Income Is recognised once the Charity has entitlement to the income, It Is probable
that the income wlll be retrived and the amount of the income receivable can be
measured rellably.
Page 16

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 ocfoBER 2021
Donatlons and legacl•s
Donations are recognlsed when the Charity has been notified In wrftlng of both the
amount and settlement date. In the event that a donation is subject to conditions that
require a level of perfonnance by the Charity befo￿ the Charity Is entltled to the funds,
the Income 15 defe￿ed and not ￿OgnIsed until either those condltions are fully met, or
the fulfilment of those condition5 is wholly wlthin the control of the charlty and It Is
probable that these conditions will be fulfilled In the reporting period.
Glft ald
Income tax recoverable In relatlon to donatlons recelved under Gift Aid or deeds of
covenant Is recognised at the time of the donation.
Expendlture
All expendltLtre Is recognlsed once there Is a legal or construthve obllgatlon to that
expendlture, It is probable settlement Is requlred and the amount can be measured
reliably. All costs a￿ allocated to the applicable expendlture heading that aggregate
slmilar costs to that category. Where costs cannot be directly attributed to particular
headings they have been allocated on a basls conslstent with the use of resources, with
central staff costs allocated on the basls of tlme spent, and depreciation charges
allocated on the portlon of the asset's use. Other support costs are allocated based on
the spread of staff costs.
Ralslng funds
These are costs Incurred In attrartlng voluntary Income. the management of Investments
and those Incurred In tradlng artlvitles that ralse funds.
Charltable artlvltl•s
Charltable expendItU￿ comprtses those costs incurred by the Charlty In the dellvery of
its attlvlties and services for Its beneficlaries. It Indudes both costs that can be allocated
dlrettly to such activitles and those costs of an indlrect nature necessary to support
them.
Grant provlslons
Provisions for grants a￿ made when the Intention to make a grant has been
communicated to the reciplent but there is uncertainty about elther the tlmlng of the
grant or the amount of grant payable.
Taxatlon
The Charity is consldered to pass the tests set out in Paragraph I Schedule 6 of the
Finance Art 2010 and therefore It meets the definition of a charitable company for UK
corporation tax purposes. Accordingly, the Charity Is potentially exempt from taxation in
respect of income or capital gains received wlthln categories covered by Chapter 3 Part
I l of the Corporatlon Tax Att 2010 or Section 256 of the Taxation of Chargeable Gains
Att 1992, to the extent that such income or galns are applied exdusively to charltable
purposes.
Page 17

CARMEL MXNIsfRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
Tangible flxed assets
Individual fixed assets costing £1.5tXI or more are Initially recorded at cost, les5 any
subsequent accumulated depreclation and subsequent accumulated Impairment losses.
No depreclation Is charged to freehold property as the property Is maintained to such a
stsndard that the estimated resldual value is not le55 than cost.
Depredation and amOrtI￿tIon
Depreclatlon Is provided on tanglble fixed assets so as to wrlte off the cost or valuation,
less any estimated ￿sIdual value. over their experted useful economic life as follows:
Asset cla•s
Land and bulldings
Depreclatlon method •nd rnte
Not dep￿CIated
FurnItU￿ and equlpment
Motor vehlcles
25% on redudng balance
33% on reduclng balance
Debtor•
Trade and other debtors are recognlsed at the settlement amount after any trade
discount offered. Prepayments are valued at the amount prepald net of any trade
dlscounts due.
Cash and ca•h equlvalents
Cash and cash equivalents comprise cash on hand and call deposlts, and other
short-term highly Ilquld Investments that are readily convertlble to a known amount of
cash and are subjert to an insignlflcant rlsk of change in value.
Llabllltl
Llabllitles a￿ recognlsed when there Is an obllgatlon at the Balance sheet date as a
result of a past event, it Is probable that a transfer of economlc benefit wlll be requlred
In settlement, and the amount of the settlement can be estlmated rellably.
abilities are recognised at the amount that the company anticipates It wlll pay to settle
the debt or the amount it has recelved as advan￿ payments for the goods or services
it must provide.
Fund structure
Unrestricted income funds are general funds that are available for use at the Trustees,
dlscretion In furtherance of the objettlves of the Charity.
Restrlrted Income funds are those donated for use in a particular area or for speclfic
purposes, the use of whlch is restricted to that area or purpose.
Page 18

CARMEL MINIsfiuES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 ocfoBER 2021
Pensions and other post retlrement obliWions
The Charity operates a defined contribution penslon scheme which is a penslon plan
under which fixed contributions are paid into a pension fund and the Charlty has no legal
or constructive obligation to pay further contributlons even if the fund does not hold
sufficlent assets to pay all employees the benefits relating to employee service in the
current and prlor periods.
Contrlbutlons to defined contribution plans are recognised In the Statement of Flnandal
Activities when they are due. If contribution payments exceed the contributlon due for
servlce, the excess is recognlsed as a prepayment.
Flnanclal In•truments
The company only has financial assets and finandal Ilabillties of a klnd that qualify as
baslc flnancial instruments. 6aslc flnanclal Instruments a￿ Inltlally recognised at
transactlon value and subsequently measured at thelr settlement value wlth the
exception of bank loans whlch are subsequently measured at amortlsed cost uslng the
effective Interest method.
Page 19

CARMEL MINisfRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
3 Income from donatlon• and legacles
Unrestricted
funds
G¢ner•l
Restrlcted
funds
Total
2021
Total
2020
Donations and legacles.
Donations
Gift ald reclalmed
Grants, Includlng capltal
grants;
Government grants
Council grants
317,431
64,661
7,203
324,634
64,661
335,501
59,533
69,651
69,651
76,543
482 865
490 068
495 046
4 Income from charltable artlvltl¢•
funds
G•ner•l
R••trlct•d
fund•
Total
2021
Total
2020
Actlvltles and projects
Blble College
School
Camiel Global
Charltable mlsslons
Mlnistry
St Revolutlon
Chaplaincy
12,063
12,063
15,608
4,775
1,880
7,986
2,411
15,954
9,684
4,400
28,132
2,110
8,503
8,477
1,203
399
15,608
4,775
7,986
2,411
15,9S4
5 Income from other tr•dlng artlvltle•
Unrestrlct•d
funds
General
Totsl
fvnds
Totsl
2020
Tradlng Income.
Bookshop
Coffee shop
116
231
116
231
695
671
347
347
Page 20

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL sfATEMENTS
FOR YEAR ENDED 31 ocfoBER 2021
6 Investment income
funds
General
Total
2021
Totsl
2020
Interest receivable and similar income"
Interest recelvable on bank deposits
49
49
7 Other income
funds
General
Totsl
2021
Total
2020
Other income
8 Expendbture on rnising funds
a) Costs of trnding activitses
funds
General
Total
2021
Total
2020
Coffee shop purchases
445
445
109
445
109
Page 21

CARMEL MINIsfRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 ocfoBER 2021
9 Expenditure on charitable activitles
funds
General
Restrlcted
funds
Total
2021
Total
2020
Activitie5 and events
Minlstry and outreach
Youth costs
School costs
Premises costs
Repairs and
maintenance
Equipment
Communicatlon and
media
Printing, post and
stationery
Insurance and
subscriptions
Motor costs
Travel costs
Benevolen￿ and gifts
Training and
resources
1,243
5,918
13,555
1,845
25,374
1,243
5,918
13,555
1,845
25,374
7,171
11,606
325
3.352
30,068
10,157
10,157
155
19,256
581
155
9,607
9,607
9,625
3,839
3.839
5,129
16,825
1,543
76
9,390
16,825
1,543
76
17,434
17,859
2,216
138
14,524
2.258
1,372
2,258
1,372
597
304
Professional fees
Bank charges and
interest
Sundry expenses
Independent
examination
Obsolete stock
Depreciation,
amortisation and
other similar costs
Grant funding of
ctivities
Staff costs
1,978
1,978
213
8,467
237
213
2,700
2,700
2,700
6,722
1.510
1,510
2,058
io
12
64,814
249 011
4,538
69,352
249 011
71,870
270 066
411 248
435 965
484 871
Page 22

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
IOGrant-making
Analysis of grants
Grnnts to Institutions
2021
2020
Grants
11 Trustees remuneration and expenses
During the Mrs M. Di Somma (Spouse of Mr G. Di Somma, a trustee) received
remuneration of £8,400 (2020: £8.400) in her capacity as secretary to the Trustees for
Carmel Ministrte5 Intemational in furthering the Charity'5 objects.
Carmel Global Ministries Inc
Operate as Carmel City Church is a ￿gIStered non profit
religiou5 orgar)isation located in Houston, United States of America. Director Mr G.
Somma and Mrs M. Di Somma are founders of Carmel Global Ministries Inc. Director Mr
G. Oi Somma Is on the Board of Director5 of Carmel Global Ministries Inc and holds the
role of President. Mrs M. Di Somma is on the Board of Directors of Carmel Global
Ministries Inc and holds the role of Vice p￿ident. Durtng the financial year the Charity
made grdnts of £64.170 (2020: £62,400) to Camiel Global Ministries Inc, in furthering
the Charity's objects.
No other payments were made to trustees or any persons connerted with them during
this financial period. No other material transartion took place between the Charity and
the trustees or any person connected with them.
Page 23

CARMEL MINISTIUES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 ocfoBER 2021
12 staff costs
The aggregate payroll costs We￿ as follows:
2021
2020
Stsff costs durlng the year were:
Wages and salaries
Social Security costs
Penslon costs
Redundancle5
stipend
216,350
6,662
3,671
5,528
239,869
6,779
3,018
249 011
270 066
The number of persons (Indudlng senlor management team) employed by the Charity
during the year was as follows:
2021
2020
No
Full and part-tlme employees
19
21
No employee recelved emoluments of more than £60.000 durfng the year.
13 Tanglbl• flxed asmts
Fumlture
L•nd and
bulldlngs
Motor
vehlcle•
•qulpm•nt
Totsl
Co•t
At l November 2020
765 717
181456
3 356 950 529
At 31 October 2021
765 717
181 456
3 356 950 529
Deprodatlon
At l November 2020
Charge for the year
At 31 Ottober 2021
177,156
3,050
77
180,206
178 589
181 716
Net book value
At 31 October 2021
765 717
229
At 31 October 2020
765 717
306 770 323
Page 24

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
14 Debtors
2021
2020
Trade debtors
Prepayments
Accrued Income
Other debtors
7.162
5,977
2,924
5,445
1,365
350
IS Credltor•: •mounts falling due wlthln one year
2021
2020
Trade credltors
Other loans
other taxatlon and soclal securlty
other credltors
Accruals
1,033
10,244
3,431
804
1,094
6,000
3,100
775
16 Credltor¥: amounts t•lllng due •ft•r one year
2021
2020
Other loans
17 Penslon and other •chemeo
D¢flned contrlbutlon p¢n•lon Kheme
The Charlty operates a deflned contrfbution penslon scheme. The penslon cost charge for
the year represents contributions payable by the Charity to the scheme and amounted to
£3,671 (2020 - £3,018).
Contributions totslling £803 (2020 - £775) were payable to the %theme at the end of the
year and a￿ induded In ￿edItOrs.
Page 25

CARMEL MINISTRIES INTERNATIONAL
NOTES TO THE FINANCIAL STATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
18 Funds
Balance
atl
14ovember Incomlng Resources
2020
resources expended Transfe
Balance
at31
October
2021
Unrestrl¢t¢d fund•
Genèr•1
General Funds
754,929
531,973 (411,693)
(8,580)
866,629
R•strlrt•d lund$
Bullding Fund
Carmel Global Fund
Chrlstmas Hamper
Fund
Honour Offerlngs
Love Zambla Fund
Gospel Life
Internatlonal
3,840
1,880
(12, 135)
(1,840)
8,295
40
8,360
12,063
665
1,209
(7,094)
(950)
(1,209)
13,329
285
21146
T¢Jtsl fund•
763 289
436 410
879 998
Bulldlng Fund rep￿sents donations for the specific purpose of maintaining the Camiel
Centre building. Expendlture relating to the maintenance of the Camiel cent￿ building 15
allocated to this fund.
Carmel Global Fund ￿PreSent donatlons towards the estsbllshment of Carniel Global In
Houston, USA.
Chrl#tmM H•mper Fund represents Income donated for the purpose of provldlng
Christmas Hampers to needy families, individuals and the homeless.
Honour Offerlng Fund represent donatlons for the speclfic purpose of supportlng the
mlnlstrles of pastors and vi51tlng speakers.
Love Zambla Fund represents Income donated to support the mlnlstries of Love Zambla
that functlons under the Charity Sachibondu Misslons in Zambia.
Gospel Lrfe Internatlonal Fund represents donations given to support this minlstry.
Page 26

CARMEL MINIsfRIES INTERNATIONAL
NOTES TO THE FINANCIAL sfATEMENTS
FOR YEAR ENDED 31 OCTOBER 2021
Balance
atl
Novemb•r Incoming Re•ource•
2019
reK•urcM expended Transfers
Balance
at31
October
2020
Unrnstrlcted funds
Genernl
General Funds
650.973
561.301
(455,082)
(2,263)
754,929
Restrlcted funds
Bullding Dreams Fund
BLtlldlng Fund
Carmel Global Fund
Christmas Hamper
Fund
Honour Offerlngs
Love Zambla Fund
873
6,HO
(873)
1,714
9,570
2,110
(17,724)
(2,110)
5,236
(6,560)
(3, 100)
404
8,360
1,678
1,422
Totsl funds
663 522 584 747 L
763 289
19 Analysls of net amets between fund•
T¢Jtsl fund•
at31
October
2021
Unre*trlcted
funds
General
Re•trl¢t
funds
Tanglble fixed assets
Current assets
Current Ilabllities
768,813
120,028
768,813
133,397
13,369
Total net assets
879 998
Total fund$
at31
Ortober
2020
Unrestrlcted
fund$
General
Restrlcted
funds
Tangible fixed assets
Current assets
Current liabilities
Creditors over l year
Total net assets
770.323
31.654
(20,429)
770,323
40,014
{20,429)
8,360
754 929
763 289
Page 27

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