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2024-12-31-accounts

ANNUAL REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2024 OF THE PAROCHIAL CHURCH COUNCIL RECTORIAL BENEFICE OF THE NORTH CARDIFF MINISTRY AREA

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Contents

1. Introduction……………………………………………………………………………………………….3
2. Reference and Administrative Details…………………………………………………………………3
3. Structure, Governance and Management…………………………………………………………….5
4. Objectives and Activities…………………………………………………….………………………….6
5. Financial Review…………………………………………………….…………………………..……..16
6. Statement of Trustees Responsibilities………………………………………………………………17
7. Independent Examiner’s Report…………………………………………………………………..….19
Appendix 1: Standing Orders...................................................................................................34

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ANNUAL REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST DECEMBER 2024 OF THE PAROCHIAL CHURCH COUNCIL RECTORIAL BENEFICE OF THE NORTH CARDIFF MINISTRY AREA

1. Introduction

In January 2022 the parishes of Lisvane, Llanishen and Roath Park were merged to form the North Cardiff Ministry Area (NCMA), following a Decree by the Bishop of Llandaff. For the purposes of the Constitution of the Church in Wales, the Ministry Area (MA) is a Parish and the Ministry Area Council (MAC) is a PCC.

The financial statements have been prepared in accordance with the accounting policies set out in Note 1 to the accounts and comply with the charity’s trust deed, the Charities Act 2011, Accounting and Reporting by Charities: Statement of Recommended Practice (SORP) and the Church in Wales Accounting Regulations.

2. REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity Number

1131310

Principal Address

7 Church Road Lisvane Cardiff CF14 0SJ

Trustees and Members of the Ministry Area Council

The Ministry Area Council (MAC) is a body containing the trustees of the Ministry Area..

The following were members of the MAC at the time of filing this report:

Lay Chair

Eleanor Williams

Secretary

Denise Searle

Treasurer

Susan Darracott

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Clergy

Revd James Griffiths (Ministry Area Leader) Revd Canon Elaine Jenkyns (Priest-in-Charge) Revd Orion Edgar (Priest-in-Charge) Revd Ross Pilliner (Curate) Revd Ruth Greenaway-Robbins (Curate)

MA Leader ’ s Warden

Duncan Shadwell

MA People’s Warden

Vacant

Elected Church Representatives

Gerald Bradnum (Christ Church) Isobel Parry (St Isan) Marilyn Hillard (St Faith) Val Jones (Christ Church) Nick Brown (St Denys) Duncan Shadwell (St Denys)

Safeguarding Officer

Martin Holden

Chair of the Governance and Risk Subcommittee

Martin Holden

Chair of the Finance and Buildings SubCommittee

Pete Allbrook

Independent Examiner

Robert Hugh BSc, FCA 15 Dan y Bryn Avenue Radyr Cardiff CF15 8DD

Bankers

CAF Bank Limited 25 Kings Hill Avenue Kings Hill, West Malling, Kent ME19 4JQ

Co-operative Bank Hazel House Caerphilly CF83 1JN

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Nat West 50 Station Road Llanishen Cardiff CF14 5Q

HSBC 75 Llandennis Road Rhydypenau Cardiff CF23 6EE

Natwest Bank 50 Station Road Llanishen Cardiff CF14 5QP

Church Architects

Michael Plageman r+m studio ltd The Maltings East Tyndall Street Cardiff CF24 5EA

Michael Davies 18 Mountain Road Caerphilly CF83 1HJ

3. STRUCTURE GOVERNANCE AND MANAGEMENT

3.1 Governing Document

Constitution of the Church in Wales adopted 31st March 1920 as amended on 30th January 2022

3.2 Organisational Structure

The NCMA is part of the Diocese of Llandaff. It comprises four churches: St Denys, Christ Church, St Isan and St Faith. It is governed by the MAC which operates through a number of committees that are responsible to the MAC and assist it in fulfilling its functions and responsibilities. These include Church Committees, the Ministry Area Leadership Team (an executive committee), a Governance Audit and Risk Committee and a Finance and Buildings Committee.

3.3 Induction and Training of New Trustees

There are no formal policies or procedures adopted for the induction or training of Trustees. Trustees are almost invariably already members of the church and so are aware of the goals and aims of the church. Their roles and responsibilities are communicated verbally and through the guidance documents published by the Charity Commission.

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4. OBJECTIVES AND ACTIVITIES

4.1 Objectives and Aims

The Church in Wales is a province within the Anglican Communion and seeks to advance the Christian religion through world-wide mission. Its calling is to nurture men, women and children in the faith of Jesus Christ and to aid them to grow in the fellowship of the Holy Spirit, so that the

good news of God’s grace may be clearly proclaimed in the world and that God’s Kingdom may be honoured and advanced.

It is the responsibility of the MAC and the clergy to work together and cooperate in all matters of concern and importance to the MA for the promotion of the whole mission of the Church, pastoral, evangelistic, social and ecumenical in the Parish.

As required by the Charities Act 2011, the MAC has given due regard to guidance published by the Charity Commission in respect of the operation of the public benefit requirement. The activities undertaken to fulfil the MAC’s purposes for the public benefit are described and detailed below.

4.2 Charitable Activities

4.2.1 Ministry Area

This year has witnessed a number of changes in personnel in the NCMA. We were delighted to welcome Revd Orion Edgar who was licensed as a Priest in Charge to the Ministry Area on 14th January 2024 and Revd Ruth Greenaway-Robbins as curate to the Ministry Area in May 2024. However, we were sorry to have to say goodbye to Revd Siôn Brynach who was appointed as Priest in Charge in the West Cardiff Ministry Area, his final service in the NCMA being Easter Sunday.

We are delighted that Martin Holden has kindly offered to serve as the Chair of the GAR and MA Safeguarding Officer. His expertise and enthusiasm for efficient administration will be a great benefit to the MAC.

Finally, we said goodbye to to a number of trustees, namely Michael Smith, Roger Martin, Branwen Abbott, Colin Francis and Ian Crighton. We are very grateful to them for all that they were able to give to the life of the MA during their time as trustees.

The main activities of the MA during the year have been to promote the mission of the Anglican Communion and spread the Gospel to the people of Lisvane, Llanishen and Roath Park. The MA does this through both proclamation and action. In addition to its regular services and evangelistic activity, the MA also provides pastoral care, including visiting the sick and local schools, and carries out baptisms, weddings and funerals.

Each of the four parishes in the Ministry Area continued with its established pattern of services. There is at least one act of worship in each church every Sunday and Christ Church and St Denys additionally hold midweek services. Various other meetings such as Home Groups, Prayer Meetings and Fellowship Groups are held regularly. The 8.00am Holy Communion service at St

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Denys has been reintroduced on a weekly basis. St Faith’s has started a new service at 4pm on a monthly basis.

We are once again very grateful to the retired clergy and lay volunteers whose input is invaluable in helping us maintain a full suite of services throughout the Ministry Area, as well as helping with the administrative and operational aspects of the MA.

In addition to the normal Sunday services, all the local churches host special services and events for schools and other organisations, including some services which serve the civic and wider community, including annual Remembrance and Armistice Day services.

4.2.2 St Denys

Services

The primary opportunity for people to grow in Christ is our Sunday and midweek services.

8.00am . This went from a monthly to a weekly meeting in September. Attendance has been reasonable with an average of 8 people attending.

9.30am. This service has continued unchanged. The average attendance was 34.

11.15am . In January 2024 we moved the 11.15am service to 4.00pm in the belief that it might provide a better time for those whom we are trying to reach but whose children are involved in sports. Initially numbers increased but over the course of the year they did not appear to give any significant improvement. Following a survey of those attending it was decided that a final decision on the future of this service time will be made by Easter 2025. The average attendance was 38 adults and 14 children under 16.

10.15am . Our midweek services continues to have a strong, committed core with 10 attending on a weekly basis, including a number who do not attend on Sundays.

6.30pm . Our monthly evensong continues to be well-attended with an average of 17 attending.

Even taking into account the fact that the above numbers are simply the raw data and have not been adjusted to take account of those who attend more than once in the week, our numbers appear to have improved with 90 attendances weekly compared to 73 in 2023 (although those figures had been adjusted).

The services at our principal festivals of Easter and Christmas remain well attended. This year we introduced six new services:

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focus on remembrance. The change worked very well and we had a significant number from the community attending. The formal setting was more appropriate for this type of service.

Prayer

We remain absolutely committed to prayer. I am not sure I could go as far as John Wesley who said that God does nothing other than in answer to prayer, prayer is unquestionably foundational to all that we do as a church. As we seek to grow God’s kingdom, we recognise that this is a spiritual battle that is beyond our ability and so we depend wholly on God.

Boiler Room . This is our weekly prayer meeting.

Weeks of Prayer . Each term we set aside a week to pray.

Home Groups

Our home groups are foundational to our growth in Christ. It is in our home groups that we are able to share fellowship, study the Bible, pray and give and receive pastoral care. We currently have three home groups that meet through the year. A particular highlight this year was the Talking Jesus Course which encouraged us to be more courageous in sharing our faith with others. After Christmas we have planned to run the Wellbeing Journey which explores different aspects of our wellbeing from a Christian perspective over 8 weeks.

Children and Youth

2024 saw significant growth in our youth and children’s work with a marked spiritual interest evident in our children and young people. Our four main children and young people groups continued to run through the year:

In addition to the weekly we held various additional events for all ages including a sleepover, water slides and trips. In addition to our own weekly groups we also ran or were involved in:

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Outreach

The outreach of the church takes different forms. Some of our outreach is evangelistic, some is aimed at better connecting with the community, some is aimed at serving those less fortunate than ourselves. In all these things we are seeking to share the love that we have known in Christ.

This year particular highlights include the following:

Buildings

This year saw the completion of the work at Tŷ Price. Despite some initial teething problems with the doors, the building on the whole has served us very well. We have installed a PA system which will enable the hall to be used in a variety of ways and are exploring the possibility of turning the area under the stairs and the alcove in the small room upstairs into storage cupboards.

The Church Committee has been exploring the possibility of renovating the cloakroom in the main church building. What we hoped would be a straightforward reordering has become much more involved with the Diocesan Advisory Committee requiring a report on the damp problem before we

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take the proposal forward. The Committee has also discussed the need to repair and refurbish the church hall and main church doors.

Conclusion

I am very grateful to all those who contribute to the life of St Denys in so many different ways whether by playing or singing music, reading and leading prayer, leading our prayer meetings, welcoming, arranging the flowers, serving tea and coffee, looking after the tech, helping out at our youth and children’s events, running Tŷ Price Tots, helping with church lunches, community lunches and the community cafe, organising other activities and events, and running groups. Thank you also to everyone who helps with the administrative side of our church life, especially those who serve on the Church Committee, on the MAC, the Gift Aid secretary, the wardens and the treasurer. Particular thanks go to Denise Searle, Ali Jensen and Martyn Ridge for all they do week in and week out.

Finally, 2024 was a year marked with real sadness as a number of long-standing members of our church community passed away. In particular we remember and give thanks for the lives of Anne Martin, Barry Davies and Mil Presdee.

Revd James Griffiths

4.2.3 St Faith & St Isan

4.2.3.1 St Faith’s

2024 was another busy year in the life of St Faith’s. Numbers at worship have remained more or less consistent, and Howard and Marilyn agreed to continue as sub wardens. Unfortunately, we have still not been able to find a book keeper, although, I have been indebted to Carole Standfast for all her help and support, alongside the help provided by Carole Muir.

In March we began our contemporary worship service at 4pm on the first Sunday of each month, which averages around 18 attendees. During Lent we ran a cooking course for men, teaching basic cooking skills, and our Lent soup lunches were well attended. In September we changed the time of our toddler group to an afternoon slot in the hope that it would attract a great number; sadly, this did not happen. However, the launch of our monthly youth group has been well received, and only a lack of helpers prevents us from meeting more often.

In May we said ‘hello’ to our curate Ruth, and in June we said a fond farewell to our student, Sue, who left us to begin ordained ministry in Ely.

We have had some minor building repairs with nothing significant to report, and are looking towards repairing the roof in 2025.

Hire of the building has gone well with income from this amounting to £4,910 and we ended the year with a surplus of £7,732.22. A gift day was held on Mothering Sunday which contributed £1,128. As always we are grateful to our faithful parishioners for their generous contribution to our maintenance and ministry.

St Faith’s is a church that punches well ahead of its weight and that is thanks to so many people who work hard in a variety of ways.

Revd Canon Elaine Jenkyns

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4.2.3.2 St Isan’s

In May we said ‘hello’ to our curate Ruth, and in June we said a fond farewell to our student, Sue, who left us to begin ordained ministry in Ely. Their contributions to our worship and ministry have meant that the Vicar is now less exhausted!

Numbers at worship continue to rise slightly, with new attendees at both services. Our pet blessing service has been well received and will now become a permanent fixture. There was a significant increase in attendees on Remembrance Sunday, especially from those within the uniformed organisations. Instead of our usual service for the Commemoration of the Departed we held a ‘Memories at Christmas’ service early in December; this was very well attended and people have asked that we repeat it in 2025. My thanks, as ever, to Karl and the choir, and to Iain for his wonderfully creative services at special occasions.

In September we started a Christian Union in Llanishen High School which is a joint venture between our clergy and Ali the youth worker from St Denys. Also in the Autumn Term Flourish courses were held in Llanishen High and Ton yr Ywen Primary. Flourish is a course that helps young people with self-esteem and well-being, and Rev’d Elaine completed her training in October to be able to run these courses alongside Rev’d Ruth and Ali. In December we held our first Experience Christmas event with children from Coed Glas Primary attending, thanks to our team of volunteers we were able to plan for Experience Easter in 2025 and it is hoped that this important ministry can continue.

Our social events have been as popular as ever, and I want to thank all those who help to put on our lunches and Players events, which contribute well to our fundraising as well as being opportunities to have fellowship together. Our monthly Friendship group goes from strength to strength, and we have also begun a fortnightly service in Ty Coch nursing home. My thanks go to our pastoral assistants who help out with this, and especially to Hazel for her ministry in taking communion to the housebound.

In May the boiler stopped working which meant that as the weather turned colder from October, the majority of our services were held in the hall. The issue was not resolved until the New Year and resulted in the church becoming very damp. A number of repairs have been identified for the building and the organ needs some major repairs.

Thankfully our financial deficit was not as large as last year, being £8430.51. David White’s estate has finally gone through probate and we took possession of the flat at the end of the year. The flat is in a very poor condition, but there are enough funds from the estate to bring it up to a habitable standard, and also to carry out the repairs to the church. As always I am grateful to Carole for her work concerning fabric and finance, and to Ann as book keeper.

My thanks go to all who make St Isan’s a wonderful community, and to Marilyn and Iain for putting up with me.

Revd Canon Elaine Jenkyns

4.2.4 Christ Church

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2024 was another year of transition for Christ Church, as Fr Orion Edgar was licensed as a Ministry Area Vicar with pastoral responsibility for Christ Church on the 14th January. The following Sunday it was announced that curate Siôn Brynach had been appointed as a Ministry Area Vicar in West Cardiff Ministry Area, ending his time at Christ Church on Easter Sunday.

I am grateful to Siôn for his significant contribution to ministry at Christ Church over the years of his curacy, and his hard work in sustaining worship and pastoral care during the period of vacancy.

In 2024 Christchurch members met in church for a Lent Course, ‘Difference,’ on the power of reconciliation in a fractured world, in which we heard stories of peace-building and reconciliation from the bible and the contemporary world, focusing on developing the habits of ‘being curious,’ ‘being engaged,’ and ‘re-imagining’ in the midst of conflict.

On the 10th March we celebrated (one day early) Christ Church’s 60th Birthday, having been consecrated on the 11th March 1964. We welcomed Bishop Rowan Williams to preside and preach at a service in which he remembered the area he knew as a boy before Christ Church was completed, and encouraged to take time to grow into the people God is calling us to be. We began celebrating Evening Prayer at 5pm each day in the newly-cleared Lady Chapel, and the fortnightly Thursday morning communion service became a weekly fixture.

Our monthly Christ Church Get-Together continued to offer friendship, fellowship, fun and refreshment to members of the congregation and the wider community beyond our walls. No significant progress was made with the refurbishment of the church hall in 2024.

We celebrated the full gamut of services in Holy Week: with a procession from the Church hall and a dramatised Passion Reading for Palm Sunday; Evening Prayer with a reflection in the first days of Holy Week; followed by a Maundy Thursday service with foot-washing and the watch; the Good Friday liturgy with a chanted rendition of St John’s Passion; and an Easter Vigil with Psalmody, readings, and the blessing of a hand-painted Paschal candle decorated with motifs based on Christ Church’s decorations, and we were delighted to baptise new members in April, during the season of Easter.

Our Congregational meeting in April saw the end of Colin Francis’ tenure as a Churchwarden and then congregational warden; I am hugely grateful to Colin for his hard work to sustain the life of Christ Church over many years, work which continues in his role as sacristan and in continuing to work with Ann to lead post-service refreshments. I am grateful to Judith Hill for her willingness to take on the role of congregational warden and have been delighted to welcome her to that role alongside Val Jones, who as congregational warden and pastoral care co-ordinator has lead our work of visiting those who are sick and housebound throughout the year.

We were delighted to join West Cardiff Ministry Area for Siôn’s licensing in April, and to share in the ordination of former Christ Church member Sue Hurell as a Deacon at Llandaff Cathedral in June, as she began ordained ministry as a curate in Ely. In June a number of Church members joined the Great Get-Together picnic organised by the Interfaith Council of Wales, and in July we met for a sponsored walk around Roath Park Lake, raising around £600 for church funds. July also saw the last session of Chatterbox, our long-established toddler group, without sufficient volunteers to continue running as Ann Francis stepped down from her role in organising and leading it. I am grateful to Ann for the huge contribution she has made to our mission to local area over the years of her service at Chatterbox.

In September I was delighted to welcome Richard Grabham on long-term placement with us as part of his training for ordained ministry in the Church in Wales, based at St Padarn’s Institute in

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Llandaff. Richard has left a successful career as a teacher to prepare for ministry, and has brought us gifts in leadership, pastoral care, preaching and leading worship, and I’m delighted for us to benefit from his contribution to the life of Christ Church during this period of his training.

September began with an all-age service in which children were invited to bring their school bags to be blessed for the new year. We also began a monthly communion service at Llys Isan retirement home in Llanishen, which has proven to be a highlight of the month for residents and for those of us who visit from Christ Church to support the service. In October we celebrated Harvest with gifts for Cardiff food bank, which we continued to support throughout the year. We were delighted to collect over £250 in support of Bishop Mary’s sponsored run of the Cardiff Half Marathon, and to cheer her on at the end of Lake Road North after our morning service. The following week +Mary visited Christ Church to confirm three adults and young people.

In November we were delighted to host the Church Autumn Fayre and Family Fun Day, which is memorable to me for being the day that Christ Church sponsored me to shave off my beard — and to remain beardless until September 2025, at 1 day for each of the 300 pounds of sponsoprship money received. We also met in two groups for ‘Everybody Welcome,’ a four-week series of discussion asking about the quality of our welcome to those who do not already belong to our church community.

In December we gathered on a Saturday to clean and decorate the church ready for Christmas, and offered a Christmas Window trail organised by Richard Grabham to kick off our Christmas celebrations, with the return of our annual Carol service supported by Jane Roberts and our Christmas Choir, and the much-loved Christingle service on Christmas eve, lead by members of Funky Church, followed by Midnight Mass and an All-Age service for Christmas Day.

Our Sunday morning children’s provision, Funky Church, has continued to thrive, and I have been delighted to be able to share with them and lead sessions a couple of times each term. Our youth group, J-Walkers, continued to meet around every 6 weeks for fun and friendship, and two members were confirmed in October. Thank you to Emma Brereton, Sarah Bell, and all those who lead and support our work with children and young people.

My thanks go to the many who contribute to our worshipping life and community by playing and singing music, reading and leading prayer, preparing and running our video screens, organising events, providing refreshments and working to keep us safe and and our life in good order. Thanks especially go to Rev Jenny Wigley and our Reader Eleanor Williams in helping to sustain our weekly pattern of worship. We would be much the poorer without the musical leadership of Jane Roberts and Fiona Cule, both playing music and leading the choir, and shaping the choices which guide our musical direction.

Several beloved long-standing members of Christ Church died in 2024, a great sadness to many of us. We were privileged to be able to host and conduct the funerals of Kay Dugdale, Brian Dicker, John Walker, Molly Hughes, Veronica Moverley, John Weldon and Elizabeth Davies.

Fr Orion Edgar

4.3 Main Achievements

The primary focus of our work as a charity is through our four constituent churches which are the focal points of our mission in the communities we serve. The MAC provides an overarching governance and administrative framework to enable the churches to pursue our charitable aims and objectives as best they can. It follows that many of our main achievements have already been

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set out above in the individual reports for each church. What follows is a summary of the main administrative and governance achievements of the MAC in supporting the churches in their endeavours.

4.3.1 Governance . The Ministry Area is governed by its Standing Orders which were updated during the course of the year and have once again proved to be a useful framework within which to operate the charity. The GAR and FAB Subcommittees have continued to function well and their expertise and advice has been a great benefit to the MAC.

The MA resolved to adopt the provincial Membership App as a means of monitoring attendance at services across the MA.

The trustees were encouraged to take the Charity Commission Trustee Quiz as a way of helping to educate them about their role and responsibilities.

The MAC has continued to work efficiently at approving faculty applications for works within the MA as well as monitoring ongoing building works.

4.3.2 Ministry Area Council . The MAC met six times through the course of the year and most members were also present at the AVM. We have continued to focus on ensuring that the world of the MAC is transparent to all and so have endeavoured to produce Potted Minutes summarising the key decisions taken at each meeting which are then circulated to the four churches.

4.3.3 Mission . We have continued to hone the MA’s Strategic Plan. Work began on the Strategic Plan at the beginning of October 2022 and culminated in a presentation of the plan to the Archdeacon on 19th June 2023. The Strategic Plan is a live document and can be updated as the mission of the MA develops. The Strategic Plan covers five areas: Evangelism, Discipleship, Ministry, Community and Worship.

This year also saw the introduction of an Evangelism Plan. This plan focusses solely on Evangelism encouraging each church within the MA to identify how it is intending to share the gospel both in words and action. We are hoping to complete this plan in early 2025.

We were very grateful to the Diocesan Growth Enablers who brought their evangelism roadshow to the MA in April. It was an informative evening and good to work together as an MA.

The MA held its first joint Taize service at Christ Church on the 24th November which was very well received and we look forward to holding similar joint services in the future.

4.3.4 Finance . The financial structure of the Ministry Area remains unchanged with a joint MA bank account held with CAF Bank and each church retaining its own bank account(s) for day to day spending. The Ministry Area is registered for Gift Aid. We are very grateful to Mererid Stone for her work as MA Gift Aid Officer. We are also grateful to Pete Allbrook and the members of the FAB for their ongoing work in drawing up the MA Financial Policy. We are looking forward to this being presented to the MAC in 2025. We are also grateful to the Diocese for the various grants that they awarded the Ministry Area this year:

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training for the Deanery Chapter; and (b) the delivery of the Talking Jesus course at St Denys and the Everybody Welcome course at Christ Church.

The MA completed a Generosity Plan which was required by the Diocese and intended to help us to think more strategically about our income and expenditure. We were also grateful for the Archdeacon’s advice on the benefit of holding annual or biennial Gift Days as a way of increasing our income.

Perhaps the most significant change this year was the replaced of the Fairer Share scheme with the Common Fund scheme. Under the new scheme the MAs are invited to make a pledge towards central funds bearing in mind that each full time cleric costs the diocese £55,000. The MA pledged £189,000.

The Archbishop announced the launch of the Church Growth Fund of £100 million for evangelism across the province to be rolled out over 10 years. Each year every MA is be able to apply for grants every year up to the value of £10,000 to fund evangelism projects. We submitted 6 bids of which one successful. The successful bid will allow St Denys to run a Wellbeing Journey Course from January to March 2025.

4.3.4 Charitable Structure . Despite the North Cardiff Ministry Area CIO being registered with the Charity Commission in August 2023, it has still not been possible to transfer the assets from the unincorporated association (the PCC of the Rectorial Benefice of the North Cardiff Ministry Area) to the North Cardiff Ministry Area CIO. On advice from the Diocesan Registrar and Secretary the trustees applied for permission to transfer to the Charity Commission due to a potential conflict of interests as the trustees will be substantially the same. This application was made in January 2024. The Charity Commission asked for further information in June 2024. We have sought advice from the Diocese on the issues raised by the Charity Commission but as at 31st December 2024 no adequate response has been received.

Our principal reason for becoming a CIO is the protection that it affords to trustees by limiting their liability. Unfortunately, at present our only protection is our Ecclesiastical ParishGuard insurance policy which only provides cover for up to £250,000. Trustees are jointly and severally liable for the debts of the charity which cannot be met out of its assets. This has been a concern to the whole of the MAC from its inception and one which has been raised with the Diocese.

4.3.5 Ministry Area Meetings . The MAC met six times during the course of the year: 16th January, 19th March, 21st May, 28th May, 24th September and 10th December. In addition all MAC members were present at the Annual Vestry Meeting which was held on the 11th May. Minutes were kept for all meetings and we endeavoured to produce a potted version of the minutes of all MAC meetings for all churches.

The MAC discussed a wide variety of issues at its meetings, including the accounts for 2023 and the budget for 2024, safeguarding, staffing, the Strategic Development Plan, the Evangelism Plan, the Buildings Plan, the Generosity Plan, the Common Fund scheme, Financial Policy, CIO application.

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4.4 Public Benefit

The benefit to the public is a feeling of spiritual stability and freedom within the Ministry Area for the benefit of all people. This is exercised through the provision of regular public worship and pastoral work, including visiting the sick and the bereaved; the teaching of the Christian message through sermons and small groups, and the taking of assemblies in local schools; the promotion of the Christian Faith through staging special services. Each church has a hall where activities take place for people of all ages.

5. Financial review

The results for 2024 are set out in the statement of financial activities. Income received totalled £558,188 which is an increase on income received in the previous year (2023 - £496,488). However, it should be noted that £122,000 of the income came in the form of legacies.

The surplus for the year was £133,633 (2023 - £25,113).

The financial position at the end of the year is set out in the balance sheet. The net assets at the year end were £1,737,819 (2023 - £1,603,319), and it should be noted that the majority of the net assets are held in restricted funds. The balance in general unrestricted funds at the end of the year was £276,768 (2023 - £310,044).

5.2 Fixed Assets

The movement in fixed assets is shown in note 7 to the accounts. At the end of the year, the accounting net book value of fixed assets was £965,000 (2023 - £845,000) following the transfer of a legacy asset to St. Isan.

5.3 Investments

The movement in investments is shown in note 8 to the accounts. At the end of the year, the value of investments held was £11,783 (2023 - £10,308).

5.4 Reserves policy

The Charity Commission defines reserves as “that part of a charity’s unrestricted funds that is freely available to spend on any of the charity’s purposes.” The reserves policy should assist in the objective and aim of the Ministry Area.

The MAC reserve policy is to retain a balance of unrestricted “free” reserves as working capital and to meet future shortfalls in income or unexpected expense equal to at least three months’ expenditure.

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5.4.2 Purpose of reserves

The reserve fund serves several purposes:

5.4.3 Surplus of funds

If there is a surplus, the MAC will be asked to determine priorities.

5.4.4 Monitoring and Review

The Finance and Buildings Committee will review the reserve balances every quarter. On an annual basis, the Finance and Buildings Committee will review the amounts held in reserve and report to the MAC. The Finance and Buildings Committee will also review the reserves policy annually and make recommendations to the MAC.

6. Statement of Trustees Responsibilities

Financial statements are required to be prepared for the MA for each financial year which give a true and fair view of its state of affairs at the balance sheet date of the income and expenditure for the year then ended. These financial statements are required to be examined by independent examiners and copies made available to parishioners. In preparing these financial statements the trustees will have due regard to:

The trustees (who are members of the MAC) are responsible also for keeping proper accounting records which disclose with reasonable accuracy the financial position of the MA and for safeguarding its assets.

The above report has been prepare in accordance with the Statement of Recommended Practice - Accounting and Reporting by Charities.

Approved and signed on behalf of the the Board of Trustees.

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……………………………………………………………

Eleanor Williams, Lay Chair James Griffiths, Ministry Area Leader

30th June 2025

……………………………………………………………

Date

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CHARITY COMMISSION FOR ENGLAND AND WALES Independent examiner's report on the accounts Section A Independent Examinerfs Report Report to the trustees Parochial Church Council for the Rectorial Benefice of North Cardiff On accounts for the year ended 31 December 2024 Charity no (if any) 1131310 Set out on pages 18to27 I report to the trustees on my examination of the accounts of the above charity ("the Trust") for the year ended 3111212024. Responsibilities and basis of report As the charity's trustees, you are responsible for the preparation of the accounts in accordan￿ with the requirements of the Charities Act 2011 ("the Act.) I report in respect of my examination of the Trust's 2CCOLintS C2rried out under section 145 of the 2011 Act and in carying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. Independent The charity's gross income exceeded £250,000 and l am qualified to examiner's statement undertake the examination by being a qualified member of the Inslitute of Chartered Accountants in England and Wales. I have completed my examination. l Gonfirm tFiat no material matters have come to my attention in connection with the examination which gives me cause to believe that in, any material respect.. the accounting records were not kept in accordance with section 130 of the Charities Ar.t; or the accounts did not accord with the accounting records. or the accounts did not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a 'true and fairf view which is not a matter considered as part of an indepeiident examination. I have no concerns and have Gonie acioss no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. Signed: Date: 2910612025 Name: Robert Hugh Relevant professional qualification{s) or body FCA IER Oct 2018 19

(if any): Address: Robert Hugh Limited 15 Dan y Bryn Avenue, Radyr Cardiff CF15 8DD Section B Disclosure Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts.. directions and guidance for examiners). Give here brief details of any items that the examiner wishes to disclose. IER Oct 2018 20
Thi dt td f NbEh tbl td t El khtAll th bt
s ocumen was expore rom umers ac ae was convere o a n xce worsee oer ojecs
Numbers Sheet Name
Numbers Table Name		 Excel Worksheet Name
SOFA 1 - Table 1
Table 1 SOFA 1-Table 1
Bal Sheet 2
Table 1 Bal Sheet 2
Notes 3 - Table 1
Table 1 Notes 3-Table 1
Notes 4
Table 1 Notes 4
Notes 5
Table 1 Notes 5
Notes 6
Table 1 Notes 6
Notes 7
Table 1 Notes 7
Notes 8
Table 1 Notes 8
Notes 9
Table 1 Notes 9
Notes 10
Table 1 Notes 10

21 1

North Cardiff Ministry AreaCharity No

North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea North Cardiff MinistryArea Charity No Charity No Charity No
Statement of Financial Activities - North Cardiff Ministry Area (1131310)
for the year ended 31st December 2024
Notes Unrestricted
Funds 2024		 Designated
Funds 2024		 Restricted Funds
2024		 Total Funds 2024 Unrestricted
Funds 2023
Designated
Funds 2023		 Restricted
Funds 2023		 Total
Funds 2023
Pages £ £ £ £ £ £ £ £
Incoming resources 21 -
22
Donations
Plannedgiving A 163,620 15,221 178,841 152,974 5,466 158,440
Church collections B 20,280 20,280 21,669 21,669
Donations C 57,431
119
6,810		 64,360 19,305
9,000
(2,315)		 25,990
For mission D 0 10,981 10,981 496 8,141 8,637
Tax refunds E 43,759 3,805 47,564 48,466 2,764 51,230
Grants H 2,074 1,340 3,414 1,767 1,500 3,267
Legacies F 2,000 120,000
122,000		 102,779 37,779
140,557
Other Trading Activities
Hall/property I 29,904 29,904 21,370 21,370
Other tradingactivities G 19,902
0		 19,902 20,852
195		 21,047
Income from Charitable Activities
Fairer Share Rebate J 23,862 23,862 27,398 27,398
Fees K 12,933 12,933 11,975 11,975
Investment income
Bank Interest & PropertyLetting L 23,880 208
24,088		 4,465 234
4,698
Other incoming resources
Other Income M 60 0 0 60 0
Total incoming resources 399,704
119
158,365
558,188		 433,515
9,195
53,568
496,278
Resources expended 23 -
25
Charitable activities
Fairer share A 211,629 211,629 210,852 210,852
Parochial expenses of clerics B 8,846 8,846 5,668 5,668
Support of ministry
Assistant ClergyExpenses C 1,856 1,856 894 894
LayMinisters' Costs D
Parish activities
Maintenance of services E 14,463
0
78
14,541		 11,312
104
1,331
12,747
Generalparish expenses F 58,776
300
0
59,076		 44,648
45
15,204
59,896
Maintenance of churches G 45,924
300
0
46,224		 40,371 3,006
43,377
Maintenance of otherproperty H 22,431 15,337
37,768		 26,735 13,726
40,461
Exceptional expenditure I 0
9,000
9,000		 700
65,622
66,322
Grants & financial support
Parish J 10,967
968
2,446
14,381		 5,718
117
1,653
7,488
Church charities K 4,492 0
4,492		 4,394 3,480
7,873
Diocesan L 0
0
0
0		 0 502
502
National M 3,331 676
4,007		 771 454
1,225
World N 4,455 8,279
12,734		 1,705 12,154
13,860
Costs ofgenerating funds
Cost of moneyraising 0 0
Total resources expended 387,171
1,568
35,816
424,555		 353,068
966
117,131
471,165
Net incoming resources before transfers and othe
recognised gains and losses		 r 12,533
(1,449)		 122,549
133,633		 80,446
8,229
(63,564)		 25,112
Gain /(loss) on revaluation of investments 866 866 463 463
Gain on revaluation of fixed asset 0 0
Net movement in funds 12,533
(1,449)		 123,415
134,499		 80,446
8,229
(63,101)		 25,575
Balances brought forward @ 1 Jan 2024 310,043
248,788
1,044,487
1,603,319		 229,597
48,816		 1,299,331 1,577,744
Transfers between funds O (45,809) 60,000
(14,191)		 0 191,743 (191,743) 0
Total funds c/f@ 31 Dec 2024 276,767
307,339
1,153,712
1,737,818		 310,043
248,788		 1,044,487 1,603,319
18

22

Balance Sheet as at 31st December 2024 - North Cardiff Ministry A December 2024 - North Cardiff Ministry A December 2024 - North Cardiff Ministry A December 2024 - North Cardiff Ministry A December 2024 - North Cardiff Ministry A rea (1131310) rea (1131310) rea (1131310) rea (1131310)
Notes Unrestricted
Funds 2024		 Designated
Funds 2024		 Restricted Funds
2024		 Total Funds
2024		 Unrestricted
Funds 2023
Designated
Funds 2023		 Restricted
Funds 2023		 Total
Funds 2023
Pages 25 - 27 £ £ £ £ £ £ £ £
Fixed assets
Church House - Ty Price 7 600,000
600,000		 600,000
600,000
Church School House 245,000
245,000		 245,000
245,000
Mount View 120,000
120,000		 0
0
0
965,000
965,000		 0
0
845,000
845,000
Investments
Chancel Repair Fund 8 10,916
10,916		 9,845
9,845
Investment held by CiW 866
866		 1,071
1,071
0
0
11,782
11,782		 0
0
10,916
10,916
Current assets
Debtors 9 18,868 0
18,868		 25,700 278
25,978
Cash and bank balances 10 263,093
307,339
176,930
747,362		 284,638
248,788
247,365
780,791
281,961
307,339
176,930
766,230		 310,338
248,788
247,643
806,769
Creditors falling due within one year 11 (5,195) (5,195) (294) (59,072) (59,366)
(5,195) 0
0
(5,195)		 (294) 0
(59,072)		 (59,366)
Net current assets 276,767 307,339 176,930 761,036 310,044 248,788 188,571 747,403
TOTAL NET ASSETS 276,767
307,339
1,153,712		 1,737,818 310,044
248,788		 1,044,487 1,603,319
FUNDS 12 to 14
Unrestricted 276,767 276,767 310,044 310,044
Designated 307,339 307,339 248,788 248,788
Restricted 1,153,712
1,153,712		 1,044,487
1,044,487
TOTAL FUNDS 276,767
307,339
1,153,712		 1,737,818 310,044
248,788		 1,044,487 1,603,319
APPROVED by the Ministry Area Council on
and signed on its behalf by (Name)
(Signature)
19

23

Notes to the financial statements for the year ended 31st December 2024 Notes to the financial statements for the year ended 31st December 2024
1 The North Cardiff MinistryArea is comprised of four churches - St. Denys, St. Isan, St. Faith and Christchurch.
St. Denys was previouslyregistered with the CharityCommission with charitynumber 1131310.
St. Isan and St. Faith were previouslyregistered with the CharityCommission with charitynumber 1133881
(removed charityFebruary2023).
2 Accounting policies
The Financial Statements have been prepared in accordance with applicable United Kingdom accounting
standards, the “Statement of Recommended Practice: SORP(FRS102)” issued bythe CharityCommissioners,
and the Church in Wales AccountingRegulations.
The historical cost convention is used except for the valuation of certain fixed assets, whose valuation basis is
detailed in the note below. The accruals basis of accountinghas been adopted. The principal accountingpolicies
are applied consistently.
Going Concern
The Financial Statements have been prepared on thegoingconcern basis.
The trustees assess whether the use ofgoingconcern is appropriate I.e. whether there are anymaterial
uncertainties related to events or conditions that maycast significant doubt on the abilityof the charityto continue
as agoingconcern. The trustees make this assessment in respect of a period of oneyear from the date of
approval of the financial statements.
Fixed assets
Churches, churchyards and vicarages are vested in the Representative Bodyof the Church in Wales.
Such propertyforms no part of the assets of the parish. Moveable church contents are inalienable propertyand
require a facultyfor disposal. Manyare historic for which no reliable cost or valuation bases exist. Theyare not
recognised on the balance sheet nor listed, to prevent increased risk of theft and vandalism. Expenditure on
churches(includingcontents), churchyards and vicarages is written off when incurred.
There are freehold buildings vested with the MinistryArea.
No provision for depreciation of land and buildings is made.
Routine additions and replacements to the hall contents are charged to current expenditure.
Equipment is charged to current expenditure.
Investments
Investments are stated in the balance sheet at their mid market value at the balance sheet date. All movements in
value arisingfrom investment changes or revaluation are recognised in the statement of financial activities.
Gains or losses on investments disposed of are calculated as the difference between the disposal proceeds and
the carryingvalue of the investment.
Gains or losses on investments revealed are calculated as the difference between the carryingvalue at the
beginningof theyear and the end of theyear.
Funds
Endowment funds:The MinistryArea has no endowment funds.
Restricted funds:represent donations orgrants received for a specific object or invited for a specific object. The
mayonlybe expended on the specific object for which theyweregiven. Anybalance remainingunspent at the
end of eachyear must be carried forward as a balance on that fund.
Unrestricted funds:aregeneral funds which can be used for ordinarypurposes.
Designated Funds:are sums set aside out ofgeneral funds for specific designated purposes. Theycan be
formallyundesignated and transferred back to unrestrictedgeneral funds at anytime.
Debtors
Debtors are amounts due for merchandise sold or services performed in the ordinarycourse of business.
Debtors are recognised initiallyat the transaction price. Theyare subsequentlymeasured less provision for
impairment. A provision for the impairment of debtors is established when there is objective evidence that the
charitywill not be able to collect all amounts due accordingto the original terms of the receivables.
Cash and cash equivalents
Cash and cash equivalents comprise cash on hand and call deposits and other short term highlyliquid
investments that are readilyconvertible to a known amount of cash and are subject to an insignificant risk of
change in value.
Creditors
Creditors are obligations to payforgoods or services that have been acquired in the ordinarycourse of business
from suppliers. Accounts payable are classified as current liabilities if the charitydoes not have an unconditional
right, at the end of the reportingperiod, to defer settlement of the creditor for at least twelve months after the
reportingdate. If there is an unconditional right to defer settlement for at least twelve months after the reporting
date, theyare presented as non-current liabilities.
Creditors are recognised initiallyat the transaction price and subsequentlymeasured at amortised cost usingthe
effective interest method, where applicable.
Taxation

Finance -Page 3 24

No taxation is payable by the charity for the year as it is able to make use of the tax exemptions on income and capital gains available to charities. Incoming resources are all accounted for gross. Planned giving, collections and donations are recognised when received. Tax refunds are recognised as soon as the amounts are claimable. Grants and legacies are accounted for when the Ministry Area is legally entitled to the amounts due. Investment income: Where the Ministry Area has not invested separately for each fund, interest is apportioned to individual funds on an average balance basis. All other income is generally recognised when it is receivable. Income received via the cashless giving machine is recorded as received, with transaction fees already deducted. Outgoing resources Parish share is paid regularly and is included in expenditure for the year to which it relates. Unrestricted fund grants (including donations to missions) are recognised when determined. Amounts received specifically for missions are dealt with as restricted funds and the liability for the payment is recognised when the amounts are received. All other expenditure is generally recognised when it is incurred. 20

Finance -Page 3 25

Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued
2024 2023
3 Paid employees £ £
Gross wages and salaries 40,125 39,585
Employer's national insurance costs 0 0
Pension contribution costs 829 813
Total staff costs 40,954 40,398
Average number of employees in theyear(FTE) 1.4 1.5
4 Payments to Ministry Area members
Refund of expenditure paid to trustees and close relatives, other than clergy 0 0
Number of members and close relatives paid expenses 0 0
No MinistryArea members were employed
5 Analysis of incoming resources
Unrestricted Designated Restricted 2024 Unrestricted Designated Restricted 2023
Voluntary income £ £ £ £ £ £ £ £
a Plannedgiving
Standingorders & bank income 80,083 80,083 79,780 79,780
Gift direct 52,604 52,604 45,417 45,417
Gift Aid envelopes 1,827 1,827 370 370
Weeklyenvelopes 13,547 13,547 17,476 17,476
Occasionalgivingvia bank 15,559 15,559 9,932 9,932
Other plannedgiving 15,221 15,221 5,466 5,466
163,620 0 15,221 178,841 152,974 0 **5,466 ** 158,440
b Church collections
Cash Collections & Vouchers 20,280 0 0 20,280 21,669 0 0 21,669
c Donations
Donationsgift aided 7,410 7,410 1,316 1,454 2,770
Donations non-gift aided 38,802 119 6,170
45,091		 13,927 9,000 (3,867) 19,060
Contactless Donations 11,220 640 11,859 4,063 98 4,161
Other collections 0 0
57,431 119 6,810
64,360		 19,305 9,000 (2,315) 25,990
d For mission
Mission Boxes and appeals 10,981 10,981 496 8,141 8,637
0 0 10,981 10,981 496 0 8,141 8,637
Total for the worldwide church 0 0 10,981 10,981 496 0 8,141 8,637
21

Finance - Page 4 26

Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued
5 Analysis of incoming resources continu ed
Unrestricted Designated Restricted 2024 Unrestricted Designated Restricted 2023
Voluntary income £ £ £ £ £ £ £ £
e Tax refunds
Gift Aid tax 30,654 3,805 34,459 35,765 2,764 38,529
Gift Aid tax on Small Donations 5,076 5,076 3,119 3,119
Gift Direct tax 8,029 8,029 9,582 9,582
43,759 0 3,805 47,564 48,466 0 2,764 51,230
f Legacies 2,000 120,000 122,000 102,779 0 **37,779 ** 140,557
g Other trading activities
Fund raising 4,410 4,410 3,236 3,236
Other fundsgenerated 9,886 9,886 13,407 13,407
Sundryincome 5,606 5,606 4,210 195 4,405
19,902 0 0 19,902 20,852 195 0 21,047
h Grants
Recurring grants 0 90 90
Non-recurringone-offgrants 2,074 1,340 3,414 1,677 1,500 3,177
2,074 0 1,340 3,414 1,767 0 1,500 3,267
Generated income
Money raising
i Hall/property
Hall rental income 18,324 18,324 8,980 8,980
Church buildingrental 11,580 11,580 12,390 12,390
29,904 0 0 29,904 21,370 0 0 21,370
j Fairer Share Rebate 23,862 23,862 27,398 0 0 27,398
k Fees 12,933 12,933 11,975 0 0 11,975
l Investments
Bank Interest 23,880 208 24,088 4,465 160 4,625
Income from funds held byCiW 0 73 73
23,880 0 208 24,088 4,465 0 233 4,698
m Other income
Insurance claims 60 60 0
60 0 0 60 0 0 0 0
399,704 119 158,365 558,188 433,515 9,195 **53,567 ** 496,278

Finance - Page 5 27

Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued
6 Analysis of resources expended
Unrestricted Designated Restricted 2024 Unrestricted Designated Restricted 2023
Charitable activities £ £ £ £ £ £ £ £
Support of ministry
a Fairer Share 211,629 211,629 210,852 0 **0 ** 210,852
b Parochial expenses of clergy
Clergytravel expenses 0 0
Clergytelephone, etc. 449 449 424 424
Clergyother expenses 8,398 8,398 5,245 5,245
8,846 0 0 8,846 5,668 0 0 5,668
c Assistant Clergy expenses 1,856 0 0 1,856 894 0 0 894
d Lay Ministers' Costs
VisitingSpeakers 0 0
LayMinisters' Expenses 0 0
LayMinisters' Laptops 0 0
LayMinisters' Salaries 0 0
LayMinister's NI 0 0
LayMinster's Pension 0 0
0 0 0 0 0 0 0 0
Parish activities
e Maintenance of services
Worship requisites 2,069 78 2,147 1,723 104 1,331 3,158
Music and performance expenses 2,133 2,133 95 95
Organist and choir 8,205 8,205 7,732 7,732
Musical instrument tuning 1,217 1,217 140 140
Non-clergyfees 0 0
Digital services 652 652 665 665
Copyright licence 187 187 957 957
14,463 0 78 14,541 11,312 104 1,331 12,747
f General parish expenses
Administrators - salaries 31,729 31,729 20,786 11,131 31,917
Administrators - NI 6,441 6,441 4,389 2,067 6,455
Administrators - Pension 2,784 2,784 1,318 708 2,026
Administrators - expenses 16 16 242 242
Administrators - equipment 0 0
Administrators - other costs 776 776 776 776
Ministrysupport worker salary 0 0
Church Road runningcosts 0 0
Stat., copying& office materials 2,206 2,206 1,718 1,718
Leasingand hire purchase costs 2,009 2,009 452 452
Office andgeneral expenditure 6,586 6,586 7,331 7,331
Telephone 1,596 1,596 971 971
Cost of meetings 606 606 0
Fire equipment 0 0
Maintenance of website / social media platforms 300 300 45 45
Gifts 813 813 1,407 1,407
Professional fees 1,080 1,080 500 1,298 1,798
Cost of fund-raising 20 20 0
Independent examination 1,850 1,850 3,850 3,850
Bank Charges 264 264 907 907
58,776 300 0 59,076 44,648 45 15,204 59,896
Church property
g Maintenance of churches
Insurance 5,550 5,550 5,288 5,288
Electricity 8,127 8,127 9,869 9,869
Gas 6,394 6,394 5,209 5,209
Water 1,675 1,675 956 956
Church - buildingfabric 0 0
Church - buildingservices 0 0
Church equip. - reps & renewals 18,847 210 19,057 13,206 3,006 16,212
Cleaning 3,909 3,909 3,423 3,423
Telephone 718 718 731 731
WiFi 0 0
Fire equipment 272 272 150 150
Other costs 433 90 522 1,538 1,538
45,924 300 0 46,224 40,371 0 3,006 43,377
23

Finance - Page 6 28

Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued
6 Analysis of resources expended cont.
Charitable activities Unrestricted Designated Restricted 2024 Unrestricted Designated Restricted 2023
£ £ £ £ £ £ £ £
h Maintenance of other property
Parsonage - water 0 0
Parsonage - electricity 0 0
Parsonage - other expenses 0 0
Church Hall - operatingcosts 17,321 15,337 32,658 22,850 13,726 36,576
Other property- operatingcosts 229 229 250 250
Major buildingrepairs 0 0
Grounds 4,880 4,880 3,635 3,635
Churchyard management 0 0
General maintenance of other property 0 0
22,431 0 15,337 37,768 26,735 0 13,726 40,461
i Exceptional expenditure
Major buildingrepairs and renovations 9,000 9,000 700 65,622 66,322
0 0 9,000 9,000 0 700 65,622 66,322
Grants & financial support
j Parish
Regular children's &youth work 10,678 206 10,884 5,653 117 5,770
Outreach 0 0
Cost of mission and evangelism 289 762 2,446 3,496 65 1,653 1,718
Cost of parish mission work 0 0
10,967 968 2,446 14,381 5,718 117 1,653 7,488
k Church charities and projects
CityHospice 353 353 499 173 672
Huggard Centre 566 566 495 45 540
St. Teilo’s 546 546 499 46 545
SundayCircle 546 546 499 46 545
Red Community 902 902 75 825 900
Concern Cymru 902 902 825 75 900
The Christmas Story 376 376 858 42 900
Imperial College Union 0 258 258
Gwynfa 0 25 25
Christian Aid 0 0
Llysfaen PrimarySchool 300 300 0
Compassion UK 0 336 336
Outreach 0 0
Charitydonations 0 282 1,971 2,253
4,492 0 0 4,492 4,394 0 3,480 7,873
l Diocesan
Llandaff Mission 0 502 502
Lisvane Men’s Shed 0 0 0
0 0 0 0 0 0 502 502
24

Finance -Page 7 29

Notes to the fin Notes to the fin ancial statements for the year ended 3 ancial statements for the year ended 3 ancial statements for the year ended 3 1st Decemb er 202 4 continued 4 continued 4 continued 4 continued
6 Analysis of resources expended cont.
Charitable activities Unrestricted Designated Restricted 2024 Unrestricted Designated Restricted 2023
Grants & financial support £ £ £ £ £ £ £ £
m Na#onal
Christian Aid 0 166 166
Turkey& Syria earthquake appeal 0 240 240
Women’s Aid 0 342
342
Compassion UK 0 (127) (127)
Dementia UK 0 0
Bird Boxes - Mens Shed 0 50 50
Red Community 902 902 0
Concern Cymru 902 902 0
Food Bank 150 150 100 100
Guide Dogs 0 5 106 111
Huggard 543 250 793 0
Hostels 0 180 180
Charitydonations 288 300 588 30 30
CityHospice 546 126
672		 133
133
3,331 0 676 4,007 771 0 454 1,225
n World Mission
Just Earth 1,001 1,001 1,342 1,342
500k churches 1,001 1,001 83 917 1,000
Wycliffe 0 756 69 825
Christian Aid - Middle East Appeal 644 644 207 207
Mbale BuildingAppeal 7,842 7,842 2,158 2,158
Mbale Famine Relief 0 5,980 5,980
PONT 1,311 437
1,748		 866 1,482
2,348
Ukraine 0 0
Other 498 498 0
4,455 0 8,279 12,734 1,705 0 12,154 13,860
o Fund Transfers
From unrestricted to designated funds (60,000) 60,000 0 0
From designated funds to unrestricted funds 0 0
From restricted funds to unrestricted funds 14,191 (14,191) 0 0
From restricted funds to designated funds 0 191,743 (191,743) 0
(45,809) 60,000
(14,191)		 0 0
191,743
(191,743)		 0
341,362
61,568
21,624
424,555		 353,068
192,709
(74,612)		 471,165
Fixed assets
7 Church buildings
TyPrice 600,000 600,000 600,000 600,000
TyPrice - buildingfund 0 0
Church School House 245,000 245,000 245,000 245,000
Mount View 120,000 120,000 0
0 0 965,000 965,000 0 0 **845,000 ** 845,000
This can be further analysed as:
Building value 600,000 600,000 600,000 600,000
Revaluation during 2022 0 0
0 0 600,000 600,000 0 0 **600,000 ** 600,000
8 Investments
Chancel Repair Fund - openingbalance 10,916 10,916 9,845 9,845
Gain /(loss)on revaluation 866
866		 1,071
1,071
0 0 11,782 11,782 0 0 10,916 10,916
9 Debtors
Openingbalance 0 0
Fairer share rebate 1,867 1,867 0
Mbale BuildingFund 0 2,158 2,158
Christian Aid - Middle East Appeal 0 207 207
CCLI(prepayment) 0 0
Gift Aid rebate 1,774 1,774 0
Gift Aid rebate - GASDS 268 268 0
Repairs and maintenance 0 0
Insurance(prepayment) 0 0
HMRC - PAYE 0 600 600
HMRC - Nest 0 243 243
Independent examiner 1,850 1,850 1,680 1,680
Prepayments 729 729 0
Other 12,380 12,380 20,812 278 21,090
18,868 0 0 18,868 25,700 0 278 25,978
10 Cash and bank balances
Cash at bank and in hand 263,093 307,339 176,930 747,362 284,638 248,788 247,365 780,791
263,093 307,339 176,930 747,362 284,638 248,788 **247,365 ** 780,791
11 Creditors falling due within oneyear
Car park drainage 0 0
Parish share rebate 0 0
Budd Electrical 0 0
Smith of Derby 0 0
Women’s Aid 0 0
PONT 0 0

Finance - Page 8 30

Lisvane Men’s Shed 0 0
CityHospice 0 0
Dementia UK 0 0
Examination fee 0 1,680 1,680
Christchurch 0 0
HMRC - PAYE 571 571 600 600
NEST 245 245 243 243
Mbale BuildingAppeal 0 2,158 2,158
Installation of heating 3,600 3,600 45,816 45,816
Other 779 779 51 8,818 8,869
5,195 0 0 5,195 294 0 59,072 59,366
25

Finance - Page 8 31

Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued Notes to the financial statements for the year ended 31st December 2024 continued
Funds and reserves
12 Unrestricted funds Balance
31.12.2023		 Movement
in year		 Transfer
2024		 Balance
31.12.2024
£ £ £ £
St. Denys 98,074 12,251 14,191 124,516
Christchurch 13,068 9,227 22,295
St. Faith 43,360 7,770 51,130
St. Isan 154,495 (21,897) (60,000) 72,598
North Cardiff - central 1,046 5,182 6,228
Total Unrestricted Funds 310,043 12,533
(45,809)		 276,767
13 Designated funds Balance
31.12.2023		 Incoming
Resources		 Outgoing
Resources		 Transfer
2024		 Balance
31.12.2024
£ £ £ £ £
St. Denys
Youth Evangelism 6,883 (968) 5,915
Website 3,955 (300) 3,655
Christchurch
Designated buildings fund 237,796 (210) 237,586
St. Faith
St. Faith - flower fund 154 119 (90) 183
St. Isan
David White fund 60,000 60,000
Total Designated Funds 248,788 119 (1,568) 60,000 307,339
NB: Youth Evangelism was previously named “Welcome Packs”
26

Finance - Page 9 32

Notes to the financial statem Notes to the financial statem ents for the year ended 31st December 2024 continued ents for the year ended 31st December 2024 continued ents for the year ended 31st December 2024 continued ents for the year ended 31st December 2024 continued ents for the year ended 31st December 2024 continued ents for the year ended 31st December 2024 continued
14 Restricted reserves Balance
31.12.2023		 Incoming
Resources		 Outgoing
Resources		 Transfers Gains /(losses)
2024		 Balance
31.12.2024
£ £ £ £ £ £
St. Denys
CharityGiving 0
11,490		 8,954 1,071 3,607
Chancel Repair Fund 10,308 866
11,174
MinistrySupport Worker salary 5,439
19,026		 (15,262) 9,204
Fred Williams Evangelism Fund 36,126 1,606 34,520
Church House -grants 2,933 2,430 503
Church House - build and maintenance 600,000 600,000
Church House(TyPrice)- ongoingmaintenance 22,416 21,406 1,010
Grants 0
1,340		 1,340 0
Christchurch
Buildings Renewal Fund 121,798
120		 121,918
Gwenda Palmer Fund 100 100
HarryBrown Fund 248 78 170
HeatingRenewal Fund 0
6,050		 6,050
Home Charities Fund 0 0
St. Faith
MoneyManager account 204
208		 412
St. Isan
Church School House 244,914
130		 245,044
Mount View 0
120,000		 120,000
Total Restricted Funds 1,044,486 158,365 35,814 (14,191) 866 1,153,712

Finance - Page 10 33

APPENDIX 1

NORTH CARDIFF MINISTRY AREA STANDING ORDERS

Updated May 2025

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1. Terminology

2. Standing Orders

2.1.Composition

1.Membership of the MAC shall comprise:

2

2

2a

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3

(e) Ministry Area People’s Warden

4

5

5

5

(iii) 2 representatives from St Isan

5

(iv) 2 representatives from St Faith

⁶ (m) Licensed reader

1 Appointed by the bishop triennially

2

Appointed ex officio

3

Elected annually at Ministry Area Vestry Meeting (AVM). No Ministry Area Warden shall ordinarily hold office for more than 6 years, whether as People’s Warden or Leader's Warden. Dispensation can be given by the Archdeacon to enable a Ministry Area Warden to serve longer, which will be reviewed annually. In accordance with Chapter IV C, Regulations Relating to Parochial Administration V.14.5 of the Constitution of the Church in Wales the Ministry Area Wardens may hold office up to the age limit for those serving on Governing Body (currently 75 years of age).

4

Appointed annually by the MAL. No Ministry Area Warden shall ordinarily hold office continuously for more than 6 years, whether as People’s Warden or Leader's Warden. Dispensation can be given by the Archdeacon to enable a Ministry Area Warden to serve longer, which will be reviewed annually. In accordance with Chapter IV C, Regulations Relating to Parochial Administration V.14.5 of the Constitution of the Church in Wales the Ministry

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Area Wardens may hold office up to the age limit for those serving on Governing Body (currently 75 years of age). Wardens wishing to continue their service beyond this age should discuss their position with their vicar, the Ministry Area Leader and the Archdeacon.

5 Nominated annually by local churches and elected at the AVM. No Congregational Member shall ordinarily hold office for more than 3 years consecutively. Any previous term of office held at church level shall not count for the purposes of calculating this 3 year period. The MAC shall retain a discretion to extend this 3 year period as it sees fit. Persons who are receiving remuneration from the MAC, whether employed or self-employed, may act as Congregational Members but are not entitled to vote at MAC meetings.

⁶ Co-opted unless elected or appointed ex officio .

  1. The MAC shall be empowered to co-opt such number (not exceeding seven in total) of lay persons or clerics to the MAC with the consent of the meeting, always providing the total number of co-opted members doesn’t exceed the number of Elected Representatives.

  2. All members of the MAC with the exception of the Treasurer, the Secretary and anyone who receives remuneration from the MAC, whether employed or self-employed, shall be entitled to vote at MAC meetings and shall be trustees of the MAC. No other persons shall be entitled to vote at MAC meetings.

2.2.General Rules

Ministry Area Council

  1. The MAC shall be sovereign in all matters, but will normally delegate to the Church Committees decisions concerning the day to day operations of the individual churches such as service patterns, finances, fabric and fundraising.

  2. There shall be at least 4 meetings of the MAC per annum.

  3. Quorum for the MAC shall be 50% + 1.

  4. In matters relating to changes affecting the whole MA, only the Lay Chair, the Clergy, the MA Wardens, the FAB Lay Chair, the GAR Lay Chair, and Church Representatives shall vote.

  5. In the event of any tied vote the Lay Chair shall have a second and casting vote.

  6. In matters relating to individual churches the MAC shall give the views of the relevant Church Committee and Church Representatives primary consideration.

  7. Where the MAC is asked to adopt a decision made by a Church Committee or MAC Sub-committee there must be either:

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27 38

MAC.

  1. The MAC Secretary (para 9 above) and the MA Treasurer (para 10 above), are ex officio members of the MAC. Those taking up the roles set out in paras 11-17 are not ex officio members of the MAC.

  2. The MA Wardens may represent the Congregational Members at the meetings of the Leadership Team and elsewhere as required.

  3. Where a complaint of misconduct is made against any office holder in the MA who is not a member of the MA Leadership Team, the MA Leadership Team may remove them from office pending an investigation.

  4. Where a complaint of misconduct is made against any member of the MA Leadership Team, the matter shall be referred to the Archdeacon.

MA Leadership Team (Executive Committee)

  1. The MA Leadership Team shall be the Executive Committee of the MAC, the membership of which shall comprise:

  2. MAC Lay Chair

  3. Ministry Area Leader

  4. MA Vicars

And, when required by the clergy and lay chair:

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Executive Committee) when it is not sitting.

  1. The MAC Secretary shall be the Secretary to the MA Leadership Team (or Executive Committee).

Governance, Audit and Risk Sub-committee

  1. The Governance, Audit and Risk Sub-committee (GAR) shall be a subcommittee of MAC, the membership of which shall comprise:

  2. Lay Chair of the GAR

  3. Secretary of the MAC

  4. Lay Chair of the MAC

  5. MA Data Protection Officer

  6. MA Health and Safety Officer

  7. MA Insurance Officer

  8. MA Safeguarding Officer

  9. MA Electoral Roll Officer

  10. The role of the Lay Chair of the GAR shall be to liaise at church level with those persons responsible for matters within the remit of the GAR.

  11. The Lay Chair has a discretion to excuse the attendance of any member of the GAR where there is nothing on the agenda to which their role is relevant and/or to invite any other persons who are not ex officio members of the GAR to attend any meeting where their presence is relevant due to their role within their church or the MA.

  12. The GAR shall be empowered to co-opt up to 5 additional members.

  13. The MA Vicars shall be entitled to attend and speak, but not vote at the GAR.

  14. GAR meetings may be held in person or via an online platform the MAC shall approve. Where a meeting is held on online all participants must be visible.

  15. Decisions may from time to time be made by the GAR outside its ordinary meetings. This may be done via email or using any online platform that the MAC shall approve.

  16. The GAR shall meet from time to time to discuss matters relating to the day to day administrative operation of the MA including in particular, Data Protection, Health and Safety, Safeguarding, Insurance and the Electoral Roll.

  17. The GAR shall make recommendations to the MAC. It shall also from time to time formulate policy for discussion and ratification by the MAC.

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Finance and Buildings Sub-committee

  1. The Finance and Buildings Sub-committee (FAB) shall be a sub-committee of MAC, the membership of which shall comprise of:

  2. Lay Chair of the FAB

  3. MA Vicars

  4. Secretary of the MAC

  5. Lay Chair of the MAC

  6. MA Treasurer

  7. MA Gift Aid Officer

  8. MA Buildings and Faculties Officer

  9. The Lay Chair has a discretion to excuse the attendance of any member of the FAB where there is nothing on the agenda to which their role is relevant and/or to invite any other persons who are not ex officio members of the FAB to attend any meeting where their presence is relevant due to their role within their church or the MA.

  10. The FAB shall be empowered to co-opt up to 5 additional members.

  11. The FAB shall meet from time to time to discuss matters relating to MA finances, buildings, property and employment and report back to the MAC, making recommendations where appropriate.

  12. FAB meetings may be held in person or via an online platform the MAC shall approve. Where a meeting is held on online all participants must be visible.

  13. Decisions may from time to time be made by the FAB outside its ordinary meetings. This may be done via email or using any online platform that the MAC shall approve.

  14. The FAB shall also from time to time formulate policy for discussion and ratification by the MAC.In accordance with the Constitution of the Church in Wales, the FAB shall produce a budget each year which it shall submit to the MAC for ratification.

  15. The FAB shall advise the MAC on all matters relating to finance, including the financial policy of the MAC.The final decision on all financial matters shall be taken by the MAC.

  16. The FAB shall meet at least twice a year, one of these meetings shall be for the purpose of setting the budget for the following year. This shall be done in liaison with the Treasurers of the individual churches.

Committees and Sub-committees: General

  1. All Committees and Sub-Committees shall be subordinate to the MAC and shall report to that body.

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  1. All Committees and Sub-Committees shall meet as convened by their Lay Chair or the MAC Lay Chair from time to time, providing that they meet at least twice per annum.

  2. From time to time the MAC or Leadership Team may appoint sub-committees to carry out work on its behalf.

  3. With the exception of the Leadership Team, the FAB and the GAR, all subcommittees shall appoint a Secretary from within their number who shall send minutes of meetings to the MAC Secretary, MAC Lay Chair and MAL.

  4. The Quorum for all Committees and Sub-Committees shall be 50% + 1.

  5. All Committee and Sub-Committee meetings may be held in person or via an online platform the MAC shall approve. Where a meeting is held on online all participants must be visible.

  6. Decisions may from time to time be made by the Committees and Sub-Committees outside its ordinary meetings. This may be done via email or using any online platform that the MAC shall approve.

Church Committees (CCs)

  1. St Denys, Christ Church, St Isan’s and St. Faith’s shall each have its own Church Committee.

  2. Membership of each Church Committee shall comprise:

  3. The MA Vicar with primary pastoral responsibility for the Church

  4. Any Assistant Curates whose training vicar holds primary pastoral responsibility for that church.

  5. Full-time stipendiary lay workers who normally attend that church.

  6. Congregational Vicar’s Warden

  7. Congregational People’s Warden

  8. The Church MAC Representatives for that church

  9. Church Treasurer

  10. CC Secretary

  11. Up to 4 elected Lay Members

  12. Any other members of the MAC who normally attend that church

  13. The CCs may co-opt additional members subject to the number of co-opted members not exceeding the number of elected members (Congregational People’s Warden, Church MAC Representatives, 4 Lay Members).

4225 31

  1. The CC shall elect a Lay Chair from its members (who may be one of the Wardens). If no lay person is willing to act as chair, the MA Vicar with primary pastoral responsibility for the Church may be appointed as Chair. This appointment must be reported to the Ministry Area Leadership Team.

  2. The MA Vicar with primary pastoral care shall appoint the Congregational Vicar’s Warden. No Warden shall ordinarily hold office continuously for more than 6 years, including service as a Congregational People’s warden, Congregational Vicar’s warden, and Ministry Area Warden. The Congregational Vicar’s Warden may hold office up to the age of those serving on Governing Body (currently 75 years of age). The Ministry Area Leadership Team shall retain discretion to allow service beyond the 6 year limit and beyond the age limit, which will be reviewed annually.

  3. The Congregational People’s Warden shall be elected by the church’s Congregational Meeting (CM). No Warden shall ordinarily hold office continuously for more than 6 years, including service as a Congregational People’s warden, Congregational Vicar’s warden, and Ministry Area Warden. The Congregational Vicar’s Warden may hold office up to the age of those serving on Governing Body (currently 75 years of age). The Ministry Area Leadership Team shall retain discretion to allow service beyond the 6 year limit and beyond the age limit, which will be reviewed annually.

  4. The Church MAC Representatives elected annually by the CM shall be appointed to the CC ex officio .

  5. The CC shall appoint a Treasurer.

  6. The CC shall appoint a Secretary.

  7. The Lay Members shall be elected annually by the CAVM.

  8. No Lay Member shall ordinarily hold office for more than 3 years consecutively.

  9. All CCs shall meet as convened by the CC Chair or Vicar with primary pastoral responsibility, from time to time, providing that they meet at least four times per annum.

  10. Church Committee meetings may be held in person or via an online platform the MAC shall approve. Where a meeting is held on online all participants must be visible.

  11. Decisions may from time to time be made by the Church Committee outside its ordinary meetings. This may be done via email or using any online platform that the MAC shall approve.

  12. The CCs shall advise the MAC on matters relating to individual churches and shall normally be consulted on matters relating specifically to particular churches. (e.g. Building Work, Ministry Share default etc.).

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  1. The CCs shall be responsible for the day to day running of each particular church.

  2. All Faculty applications must be approved by the MAC before being made and should be in the first instance be discussed by the FAB.

Electoral Roll

  1. There shall be an electoral roll for the MA.

  2. The MAC shall be responsible for the compiling of the Electoral Roll in accordance with the Constitution of the Church in Wales.

  3. The MAC shall appoint an Electoral Roll Officer, who shall co-ordinate the compilation and revision of the Electoral Roll.

  4. Each member of the Electoral Roll shall indicate which Church they wish to be associated with for the purpose of Church Committees and CAVMs.

AVM and CMs

  1. There shall be an MAVM which shall be in accordance with the Constitution of the Church in Wales.

  2. Prior to the MAVM there shall be a CAVM for each church. These will be congregational meetings that shall nominate the Church MAC Representatives and elect the Lay Members of the CC and the Congregational Church Warden.

  3. The MAL and/or MA Vicar(s) shall act as Returning Officers for elections.

Finance

  1. The MAC shall operate a Central Fund for the payment of day to day running expenses of the MA as agreed by the MAC. The signatories for this account shall be the Lay Chair, the MAL and the MA Vicars.

  2. Each Church shall pay a figure determined by the MAC, as advised by the FAB, towards the Central Fund.

  3. The MAC, as advised by the FAB, shall produce a budget each year.

  4. The MAC, as advised by the FAB, shall determine what contribution each Church shall make to the annual Fairer Share payment.

  5. Each Church shall normally maintain its own General Purpose Account. The signatories for this account shall be the Church Treasurer, the vicar and such other persons as the Church Committee may decide.

  6. Each CC shall be responsible for the payment of its contribution to Fairer Share and its own day to day expenses. The MAC shall normally delegate decisions concerning individual church finances, fabric, church halls, social and fundraising and mission and outreach to the Church Committees.

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  1. Church Committees are authorised to spend up to £3,000 in any single payment. The signatures of two members of the CC shall be required to authorise payment.

  2. Where an item of expenditure exceeds £3,000 but is no more than £10,000, the Church Committee is only authorised to make the payment where it has first obtained the permission of the Leadership Team. The signatures of one member of the Leadership Team (who is not a member of the CC of the Church from which the request has originated) and one member of the CC shall be required to authorise payment.

  3. Items of expenditure in excess of £10,000 must be authorised by the MAC.

  4. Copies of all financial accounts held by CCs shall be submitted to the MA Treasurer at least four weeks before the M AVM for inclusion in the consolidated accounts for the MAVM in accordance with Charity law.

  5. The MAC shall be sovereign in all matters relating to finance in accordance with the Constitution of the Church in Wales.

Interpretation

  1. Interpretation of these Standing Orders shall rest with the MAC Lay Chair. In the event of a dispute the matter should be referred in the first instance to the Archdeacon.

  2. These Standing Orders shall constitute a form of best practice and procedure but shall always be subordinate to the Constitution of the Church in Wales. In the event of conflict with the said Constitution of the Church in Wales, the latter shall always take precedence. These Standing Orders shall also be subject to any decision of the Diocesan Conference under its powers relating to Parochial Governance.

  3. Revisions to these Standing Orders shall normally be the responsibility of the MA Leadership Team (Executive Committee), subject to ratification by the MAC. Any changes must be reported to the Annual Vestry Meeting.

  4. The MAC shall retain a discretion to amend these Standing Orders as it sees fit. However, any amendment must be agreed upon by at least two-thirds of the MAC.

Date Adopted: 20th May 2025

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