THE JEAN GROVE TRUST
FINAN
IAL sfATEMENTS
Registered Charlty No. 1109593

Page I
EAN
VETR
TR
TEE
'RE
R THE YEAR ENDED 3
st
REFERENCE AND ADMINIsfRATIVE DETAILS
The Jean Grove Trust is a registered charity governed by a Trust Deed dated 9th March 2005. Its registered
number is 1109593.
The principal office of the Charity is at the Priory of St, Michael (Blackfriars), Buckingham Road, Cambridge CB3
ODD.
The official website of the Charity can be found at Mvw.jeangmYetrust.org.uk,
TRusfEES
The following were Trustees of the Charity during the year:
Profe550r Eamon Duffy - Chairman
Dr Claerwen James
Mr Andrew Powell
Dr Deirdre Serjeantson
Ms Sophle Smlley
Mr Francis Spufford
ADVISORS
Independent Examiner:
Ashleigh Bridges
l Dalton Square
Cambridge CB4 IQJ
Bankers:
National Westminster Sank
Regent Street (C) Branch,
250 Regent Street,
London W18 38N

Page 2
THE JEAN GROVE
TRUSTE
STRUCTURE, GOVERNANCE AND MANAGEMENT
Oversight of the charity is in the hands of Trustees who met on three occasions during the year. All meetings
were held "in person"
Poliq is set and implemented by the Trustees.
New Trustees are provided with a trustee file, which includes a copy of the governing document, a copy of the
latest annual ￿tUrn and a copy of CC3 'The Essential Trustee, published by the Charity Commission.
The Trustees are committed to developing a programme of trustee In-servi￿ training and can attend relevant
training courses.
The Trustees regularly examine the major strategic, business and operational risks that the Charity faces and
have taken any actions necessary to reduce these risks to an acceptable level.
The Charlty carrles out internal review5 and when necessaryi will appoint professional advisors to carry out the
charity's strategies.
OBJEcfivES AND AcnvrrIes
The objectives of the Charity are to advance the Roman Catholic Religlon by advanclng the pastoral and social
work of the Ethiopian Catholic Church, and to advance the education of children in Ethiopia, regardless of
ethnicity or religion, through the support of schools run by the Ethiopian Catholic Church.
The addltion of the second objettlve, whlch was agreed in May 2016 with the consent of the Charity
Commission, recognises that a sKJnificant proportion of donors are not members of the Catholic Church but
recognise the value of, and wish to support, the educational work undertaken by the Church.
The Charity's current priority is to maintain and increase the support given to the schoo15 Wlth which the Charity
work5, and which continue to be able to operate:
The Blessed G Michael School at Bahir Dar, run by the Daughters of the Charity of St Vincent de Paul.
The Lord Jesus Catholic School, Zizencho, in the Eparchy (DicKese) of Emdibir, run by the Bethany
Sisters.
The Holy Saviour Kindergarten School in Dawhan, in the Eparchy of Adigrat, run by the Slsters of St
Louls.
The St Peter and Paul School in Zalambessa, in the Eparchy of Adigrat, which was run by the St Lury Filippini
Sisters, was effectively destroyed during the recent conflict in Tigray. The Trustees, very Sadly, felt that they
had to advise the Order that, in the circumstances, the Trust is unable to provide further 5UPPOrt for the
foreseeable future. We will continue to keep in touch and will rea55ess the situation when we are able to visit.
The significant artivity of the Charity during the year was to continue to find ways to increase the awareness
of the Charity and therefore increase donations to 5UPPOrt its objectives.
The long-term strategy of the Charity 15 to maintain close personal links with the principals of the supported
5choo15 and the bishops of the respective Eparchie5 (the Eparchs) in order to ensure that the giving of grants
continues to support the priority needs of the schools.

Page 3
THE JEAN GROVE TRUST
TRUSTEES. REPORT FOR THE YEAR ENDED 31st MARCH 202
ACHIEVEMENTS AND PERFORMANCE
How our Activities and Achievements dellver Publlc Beneflt
The benefit that a small charity provides for the education of children in Ethiopia 15 substantial. Two thirds of
children in that country are not able to attend school; in rural communities places have to be rationed and
allocated to ensure that the benefits of education are spread as widely and effectively acr055 the community,
The Catholic Church in Ethiopia provides a high-quality education in much smaller classes than can be offered
by the Government schools which themselves are unable to cover all areas of the Country, and d¢Jes not have
any kindergarten programme. The pupil population is made up of approximately equal nurnbers of b)ys and
girls, and the educatlon is offered to children irrespective of religious background. Many students progress to
higher education and take up key jobs such as teachers, doctors, nurse5 etc. resulting in widespread benefits
to their communities and familie5.
The annual cost of educatlng a child varies from school to school, but around £100 Is stlll enough to cover the
cost of salarie5, teaching materials, uniforms and ft)Jd for a single student; inflation in Ethiopia remains high
but the further devaluation of the Ethiopian Birr in 2024 has had the effect of increasing the value of our
donations to compensate. When conflict broke out in the Tigray region in late 2020, there were around 2000
pupils at the four schts)Is supported by the Trust. The charity was providing full support to the equivalent of
some 300 children,. in reality, the number of children supported was much greater as the principals of the
schools are able to allocate our funding according to individual needs, One of the aspects that makes support
from the Jean Grove Trust particularly welcome is that our grants are glven wlthout conditions, and are available
to cover operating expenditure, especially teachers, salaries. The schools have consistently told us that that IS
their greatest challenge.
Update from the Schools
Since 2020 much of Ethiopia has been in turmoil. The civil war In figrayi where of our schoo15 were located,
left over a million people dead, with many atrocities inflicted on the population. Over 200,000 women suffered
sexual violence and many school age boys were murdered. Although hostilities were formally ended in
November 2022, the situation remains very far from normal wlth large numbers of people stlll living In tents,
the continued presen￿ of foreign troops and constant drone surveillantr by the different partie5. F(KQ and
essential supplies ￿ main very difficult, 500 schoo15 have c105ed (one of which was the St Peter and Paul school
at Zalambessa, which the Trust was supporting) and over Im children have not returned to school. The trauma
will take many years to pass.
Through the good offi￿5 of the Sisters of St Louis in Dublin, we continue to receive updates from the sisters
runnir)g the Holy Saviour Kindergarten School at Dawhan, and the school succeeded in reopening for the
2023-24 school year with 126 children across three classes. Thls was achleved by the teachers and professional
staff, whose salaries the Trust was able to pay through the period of the war. Sisters Maureen and Perpetua
were able to return to Dawhan in the early part of this year. One of the consequence5 Of the devaluation of
the currency has been that OLir donation now covers the entire salary bill, with something to spare, Salary
inflation will undoubtedly eliminate thi5 5urplu5, but in the meantime the school is intending to use the additional
funds to build an overhead water tank to ensure the drinking water supply for the school.

Page 4
THE JEAN G
E TRUST
TRusr
RTFO
YEAR E
MARC
ACHIEVEMENTS AND PERFORMANCE (contlnued)
The city of Bahlr Dar, where we have long supported the Blessed G Mlchael School run by the Daughters
of Charity, is the capitsl of the Amhara region of Ethiopia. The region has suffered both from the consequences
of the conflict in Tigray, which has led to ethnic conflict between the Amhara people and the Tigrayans to the
east, and from separate conflicts in the western part of the region be￿een Amhara, Gumuz and Oromo peoples.
The Government has intervened, and communications were shut down, as in Tigray, Fortunatelyi in this case
it seems that the combatants have remained respectful of property and institutions, and so the school and the
banking system continue to operate, although there have been periods when the school has had to close
because of the level of risk. On a happier note the latest information suggests that the security situation is
much improved.
In November 2023 we received an appeal from the sisters at Bahir Dar requesting our assistance with
Improvements to the playing field at the elementary school. The area was prone to flooding and, without
drainage, dirty stsgnant water on the surfatr was preventing use of the field for long periods of time. Teachers
and parents had become concerned that it was a health risk, as well as severely ￿StrIctlng the physical
educatlon of the children.
At the time we were not in a position to assist, but two generous legacies received last year meant that In
October we were able to confirm that we would be In a FQSiUon to provide the necessary funding after all, The
work has now been completed, despite the surrounding area continuing to be beset by fighting, and the pictures
we have received demonstrate what an incredible transformation has been achleved.
Sr Woynitu, the principal of the school wrote recently. Thanks to God today kve are opening our school for the
new academic year Joumey and hope we will be Suc￿sSfUl again as Ive were very suctrssfully achleved last
year in all askYcts of tlje scljool. Ihanks to your strong support the playground is really amazing and becomes
attrartive andalso Startsgiving service to the students...,.J wouldlike to say thank you so much foryourendless
support"
The region of Guraghe, in which the third cf our schools, The Lord Jesus Catholic School at Zizencho, is
51tuated, is over 600 miles from the areas in conflict and remains relatively unaffected. The school, which was
established around 2008, with a single kindergarten class, now provides cla55es up to grade 8, and has new
classroom5, a dining hall, a library and a laboratory. Numbers have increased to 550 children on site. 750/0 of
the children come from poor fatnilies and the school strives to provide such students vvith their education and
everyday needs free of charge. it remains extremely oversubscribed, and places have to be awarded on a 'flrst
come first served, basis. Some students walk up to 7km to get to school every day. Malnutrition 15 general and
the midday meal given by the school is much prized by its recipients. The Trust's annual donation covers almost
50 % of the entire cost of the schcol. Sr Prasantha wrote in her annual report to the Trust:
I wouldlike to extendour deepestgratitude foryourgenemus help to support ourefforts inprOv￿1ng essential
resour￿5 to families and children in this ￿lIage. Your contnbution is instrumental in helping us make a lasting
impact within our community, particularly in the areas of educat￿￿. -

Page 5
TH
EAN
ROVE TRUST
TR
RTF
REND
MAR
FINANCIAL REVIEW
The total income retrived by the Trust increased to £74,256 (2024.. £31,586), the incEase being due to the
receipt of legacies during the year. Income from the Christmas fair and the sale of Christmas cards, tea towels
etc. decreased to £1,633 (2024: £2,151).
Fundraising activities continue to be severely constrained by the inability of the Trustees to visit the schools
éue to the dangerou5 conditions on the ground. It is unlikely that we will be in a position to launch a new
fundraising initiative until the Trustees are in a position to make another visit. Despite this constraint, the
income raised from donations (excludlng legacies) has remained Stsble In comparison to the previous year.
Regular donations have increased slightly to around £21,800 per annum including gift aid (2024: £20,300); the
Trustees have been immensely grateful to the regular supporters who have been happy to continue their
support.
The legacies from Brian Earle and Dick Grove, notifled durlng the previous year, came to £42,805, slightly more
than expected. The Trustees have discussed the use of these funds and concluded that they should be retained
in resetves to enable the value of annual grants to be maintained and to support specific capital projects
requested by the schools. One such project was the refurbishment of the playground at the Blessed G Michael
school in Bahir Dar and we were very pleased to be abSe to support this work with a specific grant of £8,000.
In addition to this specific grant, we were pleased also to able to maintain our annual grants to Bahir Dar and
Zizencho at the level of £12,000 per school, and to Dawhan at £6,000. Grants pald out therefore came to
total of £38,000 (2024: £42,000 whlch Included the funds previously held over for Zalambessa). As a result,
there was a surplus in net incorne of £35,667, which has had the effect of increasing the reseNes held by the
Charity.
Followlng the closure of the IFSL CAF Alternative Strategies Fund in 2023, funds held in reserve are now held
in interest earning deposit accounts, split between a 'no notice, Business Reserve account with National
Westmlnster Bank, and a 35-day notice account with Nationwide Building Society which currently pays a
significantly higher rate of interest. This is consistent with the Investment Policy established by the Trustees.
PLANS FOR FUTURE PERIODS
It is the Trustees, intention to make a personal visit to Ethiopia to vislt the schools as soon as FCO guidan
and our contacts on the ground confirm that it is safe to do so. This will enable us to reinforce relationships, to
reassess needs on the ground and to launch new fund-raising initiatives. In the meantime, we continue to focus
our efforts on the following objectives:
l. To increase awareness of the Charity to donors and to undertake further fundraising activities.
2. To continue to monltor the existing projects and to increase awareness of the Charity In the area of
benefit and increase grant giving.
3. Maintain and strengthen links with schools and other funding bodies and individuals.

Page S
THE
EAN
ST
TR
RT FOR TH
YEAR ENDE
POLICIES AND RISK MANAGEMENT
Conflicts of Interest Pollcy
Trustees have a personal responsibility to declare conflicts of interest, noting that this might include their own
bu5ine55 and personal interests and those of their spouse, partner, family and close relatives.
The original Trust deed of The Jean Grove Trust states that a trustee must absent himself or herself from any
discussions of the trustees in which it is possible that a conflict will arise between his or her duty to act solely
in the interests of the charity and any personal interest (including but not limited to any personal financial
nterest).
The following procedures shall apply:
At the beginning of each meeting of the Trustees, the Chair shall invite Trustees to decla￿ any relevant
Interests.
The Chair will determine whether the nature of the conflltt is such that the conflicted trustee should
absent themselves from the relevant part of the discussion. In the event of a conflict declared by the
Chair, he/she should absent themselves from the dlscussion, unless all the Trustees present agree that
that is not necessary.
The minutes shall record confllcts declared and the consequential action taken.
Details of the discussion held, from which a conflicted Trustee was absent, shall be recorded, alongside
the fact that the relevant trustee was absent.
Grant Maklng Pollcv
The policy of the Charity is to sustain and, where possible, grow regular annual support to schools to cover the
costs of education. Regular grants are normally made to cover operational costs, including staff salaries and
development, and the cost of food and educational materials for the pupils,. they are made on the understanding
that regular progress reports are received. These awards are considered each year at a full meeting of the
Trustees. Applications for other 'one off, grants made under the policies of the Charity are assessed and
recommendations considered at a full meeting of the Trustees. Follow-up action Is taken by the Treasurer.
Reserves Policy
As a grant-giving charity the aim of the Trust in normal times is to dlsburse its funds in the year of ￿ceIpt, not
to hold them. At the same time, being awart of the reliance that the supported schools have on their annual
grant, the Trustee5 W15h to ensure that, in the event of a reduction in donor supp)rt, any consequential
reductions in grants can be 'smoothed' in order to assist the schools to adapt. The reseFves policy seeks to
provide a cushion to enable grants to be sustained for a two-year period.
The Trustees, pollcy is therefore to maintsin sufficient reserves to cover INO years, committed expenditure,
after allowing for regular committed income. Unrestricted reserves at 31st March 2025 amounted to £52,641
(2024.. £16,974), which is well in excess of the minimum requirement as a result of legacie5 received during
the year, awaiting disbursement.

Page 7
TR
RTF
R THE YEAR ENDED
MAR
25
POLICIES AND RISK MANAGEMENT (continued)
Investment Policy
The Trustees recognise that there are situations in which the Trust may find itself holding funds for a longer
term. This might for instsnce arise because:
l. Instability in Ethiopia means that grants cannot be sent to beneficiaries, or the situation makes it
impossible to be assured that the funds are applied for the intended purposes.
2. 'One-off fLJnd raising activities or legacies received are designated to be used to support the Trust's
work on a longer-term basis.
In these circumstsntrs there is a risk that the value of funds held in reserve is eroded by low interest rates, or
hlgh rates of inflation. Accordingly, the Trustees may decide to Invest the surplus fLsnds of the Charity to mltlgate
these risks, In order to guide these decisions, the Trustees have adopted the following investrnent policy;
nv
stm
nt
The Trustees, powers to invest are governed by the Charities Act, and the current guidance from the Charity
Commission (England and Wales). Nothing in the original Trust Deed further constrains these powers.
Investment
iv
To protert the ￿al value of the Trusts reserves in order to sustain the real value of the grants made In
Ethiopia.
To achieve this over an investment horizon of no longer than three to five years
To avoid unnecessary risk of capitsl1055.
kin
tment decisions
In setting these objettives, the Trustees recogn15e that the size of the Charity and the fund5 available mean that it
will not usually be feasible to seek professional investment advice. Accordingly, they will follow the following
principle5 in making investment decisions..
Ensure approprlate diver5ification of the Trust's reserves across different institutions, having regard to the
size of funds available.
Use bank deposits in preferen￿ to investment funds where they enable investment objectives to be
achieved.
Use diversified investment funds, designed to meet the needs of smaller charities.
Have due regard to the ethical investment policies of those institutions and funds.
nve
The Trust will not invest in any organization or institution, which could be seen a5 creating a conflict of Inte￿5t for
any of the Trustees.
Monitorin
The performance of investments will be monitored at regular Tru5tees' meetings, through the Treasurer'5 report.
rm

Page 8
THE JEAN
VETR
EAR ENDED 31
MAR
H202
POLICIES AND RISK MANAGEMENT (contlnued)
Rlsks faced by the Charity
The Trustees have identified three significant risks fa￿d by the Charity. These are:
That the money sent to the schools is diverted or not used for its intended purpose. This is mitigated by
Trustee visits, by the financial reports that the schools send, and by communication at the time of transfer
that the money ha5 been safely received.
That the Trust fails to raise enough money to cover annual commitments. The reserve policy is designed
to mitigate against this.
That the Trust inadvertently accepts 'tainted donations, and thereby pla￿S itself in breach of UK Law. In
order to mitigate this risk the Trustees have established a policy on the recelpt of donations, including due
diligence procedures to establish the origin of significant donations.
The Trustees are confident that the Charity has the resources available to It to contlnue as a going contrrn.
The Trust has no employees, and no remuneration is paid to members or Trustees for their work.

Page 9
TH
GROVE TR
TEES, REP
THE YEAR
31s
MA
STATEMENT OF TRUSTEES. RESPONSIBILrrIES
Law applicable to charities in England and Wales requires the Trustees to prepare financial statements for each
financial year which give a true and fair view of the stste of the charity's financial activities during the
year and of its financial position at the end of the year. In preparing those financial statements, giving a true
and fair view, the Trustee5 should follow best practi￿ and".
select suitable accounting policies and apply them consistently;
make judgments and estimates that are reasonable and prudent;
state whether applicable accounting standards have been followed subject to any material departures
disclosed and explained in the financial statements.,
prepare financlal ststements on the going con￿rn basis unless it Is Inappropriate to p￿SuMe that the
Charity will continue to operate.
The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy
at any time the financial position of the Charity and which enable them to ensure that the financial statements
comply with relevant legislation and the trust deed. They are also responsible for safeguarding the assets of
the Charity and hence taking reasonable step5 for the prevention and detectlon of fraud and other irregularities.
Approved by the Trustees and signed on their behalf by:
Trustee
Date

Page 10
INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES
THE
EAN
ROVE TRUS
I report on the accounts of the Jean Grove Trust for the year ended 31st March 2025, which comprise the
statement of financial activities, the balance sheet and related notes. The accounts have been prepared under
the historical cost convention.
This report is made to the Trustees, as a body, in accordance with the temis of my engagement. My work has
b￿n undertaken so that I might carry out an Independent Examination of the financial statements in
accordantr with the General Directions given by the Charity Commi55ioners. To the fullest extent permitted by
law, I do not accept or assume responsibility to anyone other than the Charity and the Charity's Trustees, as a
body, for my work or for this report.
RESPECTIVE RESPONSIBILITIES OF TRUSTEES AND EXAMINER
As the Charity's Trustees you are responsible for the preparation of the accounts; you consider that the audit
requirement of section 145 of the Charities Att 2011 (the Act) does not apply and that an Independent
Examination is needed. It is my responsibility to examine the accounts (under sertion 145 (1) (a) of the Act);
to follow procedures specified in the General Direttions given by the Charity Commissioners under section 145
(5) (b) of the Att, whether particular matters have come to my attention.
BASIS OF INDEPENDENT EXAMINER'S REPORT
My examination was carri& out in accordan￿ with the General Directions given by the Charity Commissioners.
An examination include5 a review of the accounting records kept by the Charity and a comparison of the
accounts presented with those records. It also include5 consideration of any unusual items or disclosures in the
accounts, and seeking explanations from you as Trustees concerning any such matters. The procedures
undertaken do not provide all the evidence that would be required in an audit, and consequently no opinlon is
given as to whether the accounts present a 'true and falr, view and the report is limlted to those matters set
out in the ststement below.
INDEPENDENT EXAMINER'S STATEMENT
In connection with my examination, no matter ha5 come to my attention:
(i)
which gives me reasonable cause to believe that in any material respect the requirements
to keep accounting records in accordance with settion 130 of the Act", and
to prepare accounts which accord with the accounting records and to comply with the accounting
quirements of the Act
have not been met; or
(2)
to which, in my opinion, attention should be drawn in order to enable a proper understanding of
accounts to be reached.
Ashleigh Bridges
l Dalton Square
Cambridge
CB4 IQJ

Page 11
THE
EAN
ROVE TRUST
TATEMENT
MAR
H 2025
Unrestrlcted
Notes
2025
2024
INCOME FROM
Grants and Donations
Income from Investments
Other Trading Activities
71,169
1,454
1,633
28,707
728
2,151
Total Income
74,256
31,586
RESOURCES EXPENDED
Raising Funds
Charitable Activities
310
38,279
995
42,154
Total Expenditure
38,589
43,149
Net Income and Net Movement In Funds
35,667
-11,563
Funds Brought Forward
16,974
28,537
Funds Carrled Forward
£52,641
£16,974
None of the Charlty's activities were acquired or discontinued during the above two financial years.

Page 12
EAN
VET
BA
HE
AT31
MARCH 2025
Notes
2025
2024
CURRENT ASSErs
Cash at Bank and in Hand
Debtors
47,641
5,000
16,660
314
TOTAL NET ASSErs
£52,641
£16,974
INCOME FUND
Unrestricted General Fund
52,641
16,974
TOTAL FUNDS
£52,641
£16,974
Approved by the Board of Trustees on 29th September 2025 and signed on its behalf by:
Trust
Trustee

Page 13
EAN
TRU
NOT
THEF
ANCIAL
TATEMENTS
THEY
R ENDED 31st MA
ACCOUNTING POLICIES
(a) Basis of Accountin9
The accounts have been prepared under the historical cost convention with items recogni5ed at cost
or transaction value unless otherwise stated in the relevant notes to these accounts. They have
been prepared In accordance with the Statement of Recommended practi￿ Accounting and
Reporting by Charities preparing their accounts in accordance w￿h the Financial Reporting Standards
applicable in the UK and Republic of Ireland (FRS 102) issued in July 2014 and the Financial
Reporting Standard applicable in the United Kingdom and Republic of I￿land (FRS 102 July 2015)
and the Charities Act 20 11.
The Charity constitutes a public benefit entity as defined by FRS 102.
The Trustees consider that there are no uncertalntles about the Charity's ability to continue as a
going concern.
(b) Income
All income is recognised once the charlty has entitlement to the income, it is probable that the
income will be received and the amount of the income re￿1vable can be measured rellably.
Donations are recognised when received, Other income is recognised when re￿ived.
(c) Expendlture
Expenditure is recognised once there Is a legal or constructive obligation to make payment to a third
paty, it is probable that settlement will be required and the amount of the obligation can be
measured reliably.
(d) Grants
Grants payable are charged in the year in which the offer is conveyed to the recipient except in those
cases where the offer is condlticna1, such grants being recognised as expenditure when the
condI￿onS attaching are fulfilled. Gift Aid is accounted for when received.
(e) Cashflow Statement
The Charity has taken the exemption available under the SORP and has not produced a cash
flow statement.
(f) Fund Accounting
The unrestricted funds may be used by the Charity in furtherance of its charltable objective5 at the
discretion of the Trustees.
(g) Value Added Tax
The Charity is not registered for VAT and accordingly Whe￿ applicable, all expenditure incurred is
inclusive of VAT.

Page 14
THEJEAN GR
TR
ST
TO THE FIN
IALS
MENT
FOR T
YEA
DED3
MARCH 202
GRANTS AND DONATIONS
2025
2024
Donors
Legacies received
Gift Aid Recovered
24,570
42,805
3,794
24,453
4,253
£71,169
£28,707
CHARrrABLE ACTIVITIES
Grants to Organisations
Blessed Ghebre Michael Catholic School - Bahir Dar
The Lord Jesus Catholic School Zlzencho, Emdibir
Holy Saviour School, Dahwan
st Peter and Paul Schojl, Zalambessa
20,000
12,000
6,000
12,000
12,000
6,000
12,000
Support Costs
Sundry Costs
Bank Charges
TOTAL CHARITABLE ACTIVITIES
167
112
£38,279
82
72
£42,154
GOVERNANCE cosrs
The Charity incurred no Governan￿ Costs, as the Independent Examination was undertaken gratuitously.
CURRENT ASSETS
2025
2024
Cash in bank and at hand:
Nat West: Reserve Account
Nat West: Current Account
Nationwide Building Society
Cash in hand
other current assets:
Debtorsl funds in transit
4,179
767
42,606
89
3,819
1,375
11,332
134
314
£16,974
£52,641