2024-12-31-accounts

The Parish of St Mark’s, Gabalfa

and St Philip’s Tremorfa

AVM REPORT

2024

St Mark’s Gabalfa and St Philip’s Tremorfa Parochial Church Council Administrative Information

The Parish is situated in North Cardiff near the Gabalfa Interchange and also in Tremorfa to the East, within the Deanery of Cardiff which is part of the Diocese of Llandaff within the Church in Wales.

The correspondence address is 206 North Road, Gabalfa, Cardiff, CF14 3BL.

The Parish is registered with the Charity Commission Charity Registration Number 1131555.

One Parish Church is dedicated to St Mark the Evangelist. The other is St Philip.

A daughter congregation meets in the Heath Citizens Association premises at Heath Park.

Parochial Church Council (PCC) members:

The PCC members who have served from 1 January 2024 until the date this report was approved are

----- Start of picture text -----
Term ends or
Name Appointed office held
resigns
Clergy
Marcus Nelson June 2018
Rob McDonald June 2022
Charis Britton June 2024
Church Wardens
Barney Hawthorne April 2022 April 2028 Vicar’s warden
John Young April 2019 April 2025 People’s warden
Annette Littlechild March 2024 March 2025 St Philip’s Sub - Warden
Elaine Campbell - Hopkins March 2024 May 2024 Heath Park Sub - Warden
Other elected members
Tari Bomodi March 2024 March 2025 PCC
Malcolm Dugdale March 2024 March 2027 PCC
Tim Holland March 2024 March 2027 PCC
Monika Prabhakar March 2024 March 2025 PCC
Peter Wiles March 2024 March 2027 PCC
Omolola Balogun March 2023 March 2026 PCC
David Richards March 2023 March 2026 PCC
Henry Shepherd March 2023 March 2026 PCC
Timothy Smith March 2023 March 2026 PCC
Linda Webber March 2023 March 2026 PCC
Jonathan Kell April 2022 March 2025 PCC
Stephen Palmstrom April 2022 March 2025 PCC
Philip Ratcliffe April 2022 March 2025 PCC and Secretary
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St Mark’s Gabalfa and St Philip’s Tremorfa Parochial Church Council Administrative Information

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Annual Co - options Appointed Ends/Resigns Role
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	Appointed	Ends/Resigns	Role
Rebecca Gibbs Rosemary Counsell Rod Hillier	April 2022		Treasurer
	April 2019		Safeguarding Officer
	March 2024	March 2025	Licenced Reader

- Annual Co options

PCC members are appointed or elected as set out in the Church in Wales Constitution.

All Church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC

Church Officers not on PCC	Appointed	Ends/Resigns	Role
Shawn Lloyd	March 2024	March 2025	Assistant Vicar’s Warden
Cathy Allen	August 2021		Administrator
Richard Stanton	November 2023		Youth Pastor

Advisors

Independent Examiner : Mrs Susan Powell CPFA

Bankers:

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

Shawbrook Bank, Lutea House, Warley Hill Business Park, Great Warley, Brentwood, CM13 3BE

Virgin Money, Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL

Nationwide, Nationwide House, Pipers Way, Swindon, SN38 1NW

Architect:

Hook Mason Limited, Studio 2, Thorn Office Centre, Rotherwas, Hereford, HR2 6JT

3

St Mark’s Gabalfa and St Philip’s Tremorfa Parochial Church Council Administrative Information

Objectives and activities

The promotion of the whole mission of the Church, pastoral, evangelical, social and ecumenical in the parish.

Statement of Trustees’ Responsibilities

To comply fully with the provisions of the Church in Wales

Achievements and Performance

Year	Electoral Roll Date 11/03/2025 2025	Electoral Roll Date 2024
Members on Electoral Roll St Mark’s	174	170
Members on Electoral Roll St Philip’s	15	15

4

Vicar’s Review

Our Annual Vestry Meeting always gives us the opportunity to pause and think about where we have come from, where we are now and where we are going in the year ahead. We look back with profound thankfulness to all that our heavenly Father has again done in our church family through Jesus by His Holy Spirit. A great deal has happened over the last year. In Lent it was a joy to offer the Confirmation course for five weeks with about twenty being confirmed by Bishop Mary in April. We also formally commissioned our pastoral support team, who play such a vital role in providing pastoral care across our church family. It has also been encouraging to witness the extension of this ministry through the work of Jane Handley and the Trauma Healing Groups. During Lent we came together on Wednesday evenings for our Lent Course, in which we thought through the teaching of the scriptures on human sexuality, spiritual gifts, the ministry of women, church growth and Christian freedom. During Holy Week we were joined by a YWAM team, celebrated Holy Communion each evening, with our Good Friday, sunrise service and Easter Sunday celebration.

It was a great blessing for us to be able to visit our wider family in South Africa and Northern Ireland during our sabbatical. I am tremendously grateful for all those who ‘held the fort’ so well during this time. Particularly to Rob McDonald, along with the staff team, and Standing Committee. We were privileged to be joined by our new curate, Charis Britton and her husband Sam, in June. After a quieter summer the Holiday at Home kicked off the new academic year very well. With Graham Cotter teaching on the work of the Holy Spirit, and an opportunity for us to come together around fun activities, from a quiz and cakes in Heath Park, to Barney’s quiz and chips. The Diocesan Conference took place in late September in which some detail was given about bids to the Church Growth Fund. These conversations have continued at deanery level and in Archdeacon’s Visitations. It was a privilege to be invited to speak at Wales Leadership Forum in October about the vision of Hope Cymru and hear of the incredible ways in which Jesus is at work in many places across Wales. In the autumn we launched our new 6pm service. Led by Charis and a fabulous team, it has steadily built and is reaching out very effectively to students and young adults. St Monica’s Church in Wales Primary School also began to build links with us, as the school moves into our parish in September. It is an exciting opportunity to share the good news of Jesus, input into governance, as well building a kid’s choir to take part in our Christmas services.

5

Vicar’s Review

In December, we held a three-day mission at St Philips led by Joe Shepherdson, in which we had training in evangelism, open air outreach and evening meetings. We held a Christmas Spectacular with donkeys, craft and other activities at St Marks leading into our busy Christmas program. The Christmas in Cardiff event with J. John, Pendyrus Choir and Hope Kids choir, had a strong attendance but was somewhat hampered by bad weather. In December we also completed our fourth season of filming for Hope Cymru, covering a range of topics with a variety of guests. There were a number of school carols services, our traditional carol service with Rowan Williams and our yearly services across our three sites. In January, it was very encouraging to host a lunch seminar for UFM with whom we hope to build partnership in the future, as we look to appoint new mission partners based in Athens. The dark and cold days of January were brightened by our 24/7 week of prayer. It was tremendous to see so many sign up. At our monthly prayer meeting in February it was exciting to hear of great answers to prayer. In February, we welcomed guest speaker, Mark Prentice, who explained his work to dust off the old and universal church practice of systematic teaching of the Christian faith. Our treasurer Becky Gibbs delivered another visionary and inspiring talk on Giving Sunday, as she invited us to prayerfully consider our giving to the Lord’s work in our parish. With our organ in need of costly maintenance and repair, the PCC took the decision to invest in a new electric organ. It is a wise and long term investment to enable high quality traditional worship as well as reduce our ongoing operational costs. We also hosted a great St David’s Day celebration called Psalm Roar. Our Holiday Bible club in the February half term was very well attended, excellently led by Rob McDonald and the whole dedicated team. On 2nd March we celebrated the fortieth anniversary of St Marks at Heath Park. It was a delight to be joined by Bishop Mary and share in a wonderful lunch as we reflected upon Robert Paterson’s bold vision and looked to the future possibility of offering a warm space in the autumn. The spring term also saw the launch of two new evening Alpha Courses. The numbers attending have been very positive indeed. Our Lent Course this year will be led by a number of guest speakers, covering Welsh Christian heritage, Christian response to the environment, revival in the valleys and vision for Llandaff Diocese.

There were also sadly a number of bereavements across our church family in 2024. We continue to very much pray for and seek to draw alongside those who have lost loved ones. We said goodbye to Lynne Williams, Margaret Powell, Valerie Chapman, Pam Hawkes, David Mouncher, Marjorie Ford, Eirwen Williams and Jean Hobbs. Many of these had been committed members of St Marks for many years. We said goodbye in the sure and certain hope of the resurrection to eternal life for all who know and love Jesus.

6

Vicar’s Review

It was also a great privilege to hold baptisms for a number of children and young people; Sachiel and Samuel Salins, James McDonald, Cordelia, Alice and Ezra Bacon, Peniel, Phoebe and Prince Bomodi, Anna Shepherd, Theodore Morris, Amiel Karasek as well as Anabel, Francess, Nelson and Franklin Akanbi. We trust that each one will continue to grow in knowledge and love of Jesus and walk in his ways all their lives. All the credit for the many positive developments over this last year goes unequivocally to our Lord Jesus Christ. I say it each year and say it again. Our ministry and mission is very simply to exalt Jesus and show how great, wonderful and kind He is. We have an dedicated staff team, wardens and PCC and so many team members who serve sacrificially, for whom we are profoundly grateful but it is our Lord Jesus Christ who gives life and prospers all we do.

At the moment, our church life is very busy. If a person was only to come to one service on a Sunday morning, they could be forgiven for thinking that this was all that happens in church. Not many of us are or can be at everything, but it’s important and helpful for us to know what is happening. On Sundays we have five services. There are three at St Marks; 9am, 1030am and 6pm. There is a service at Heath Park at 930am followed by refreshments. At St Philips on Sundays we run the Bible Course at 230pm with Joe Engle, the Free Market 330pm, and the worship service at 4pm. On Tuesdays and Saturdays we run Fresh Start and Free Markets from 830-11am. At St Philips we run a Coffee Morning on Tuesdays 930-11am. On Tuesday evenings there is Alpha Course for young adults at 630pm. On Wednesday mornings we have morning prayer at 7am and 10am on zoom, Little Seeds at 930-11am, monthly Holy Communion at 10am, Youth Alpha and our prayer meeting in the evening. On Thursdays we have Shoots at 6-7pm and Roots at 730-9pm. Throughout the week we also have small groups meeting in homes across the city, worship practices and growing schools’ engagement. As we think about where we are now, we have to particularly express our thanks to those who have contributed so much to getting us here. Firstly, John Young who will be stepping down as church warden after six years of service. I was tremendously grateful for all that John did to support our ministry and mission over these years. We are especially indebted to him for all his work to facilitate worship during the difficult days of social distancing in the pandemic. John has kindly agreed to continue as assistant warden and will continue to contribute to our building and fabric maintenance and development. Clare Kell has very kindly agreed to stand as the new warden and will bring a great deal of experience, wisdom and expertise to the role with her background in HR and team management. It is also important to say a very strong thank you to Jo Shepherd for all that she has done as our worship director over the last two years. As well as leading worship herself, Jo has worked tirelessly to coordinate our teams and facilitate our worship on Sundays.

7

Vicar’s Review

As we look ahead, there is a lot coming up. Our Good Friday and Easter celebrations, Ascension Day and Pentecost Sunday. Rob McDonald will be licensed as our Associate Minister on 22nd June in St Marks. Charis Britton will be ordained as Priest on 28th June in Llandaff Cathedral. We will be consciously having a quieter period over late July and August before restarting the autumn term with our Holiday at Home, 12-14th September, with guest speaker Nate Morgan-Locke. We will hold a focused Christmas programme in December concentrating on discipleship within our church family on Sunday mornings and outreach events in the evenings. Our PCC will be focusing upon the large scale developing of our buildings for ministry and mission. Barney Hawthorne has led this extensive project and we will be aiming to be in position to share what envisaged changes will look like and what they would allow us to achieve, as we seek to prayerfully raise funds. As well as the events coming up there are a number of particular priorities for me in the life of our church family over the year ahead, which I would like to share.

Firstly, strengthening and developing our staff team. It is a great privilege for us currently to have two Curates. It is many years since we last had this level of diocesan resourcing. It reflects Bishop Mary’s confidence in our ministry and mission. It is of course investment and trust which we will do all we can to repay. Charis has already brought a great deal of energy, passion and creativity to the life of the church family. I’m delighted that Rob will stay with us as Associate Minister, after his licensing in June. He, Sam and the boys have already brought so much to the life of our church family and I couldn’t ask for a better or more reliable ‘right hand man’ and colleague in ministry. The PCC have also acted with vision and faith to appoint a Worship Pastor. With at least seven worship services each week, across our three sites, as well as the extra seasonal services it has become clear that we need a role to grow and invest in our existing dedicated worship team. This role will also allow us to develop sung worship to enhance our ministries and events and will enable us to coordinate the team more effectively across the three sites and multiple services. It has been a delight to appoint Meg Borges to this role. Meg is highly qualified, very gifted and experienced and will bring so much to our church family. She will be formally licensed by Bishop Mary later in the year as Worship Leader.

The PCC has also decided to invest more in communications, branding and publicity. We have been working with a branding consultant to strengthen our internal practices and enable us to reach out more effectively across the city. With resourcing and support to grow our staff team, again everything will be done to return on this investment and strengthen and develop our overall ministry and mission. My role will be changing and be shaped more to facilitate our staff team delivering maximally as we serve the Lord Jesus and lead and support our dedicated teams with humility and unswerving commitment.

8

Vicar’s Review

Secondly, with encouraging growth in numbers and diversity over the last years, I have also identified the need for us to grow in discipleship and understanding of the Christian faith. The ministry in the Church in Wales, has always been understood as a teaching office and I will be deliberately prioritising this myself over the coming year. I will be leading the Discipleship Training Program on Sunday afternoons in St Marks each term for everybody who would like to go deeper in their knowledge of Jesus, understanding of historic and systematic theology and practical discipleship as a follower of Jesus. It is open to everybody but especially offered to provide support for small group leaders. In term one we will be thinking through the Apostles' Creed. There will be opportunities for discussion, questions and practical outworking of what we are learning together.

Thirdly, I will be focusing on building and strengthening our prayer life as a church family. Over the last year we have worked hard to strengthen our network of small groups and grown our pastoral care provision significantly. We have also very consciously aimed to undergird all of our activities with prayer and have seen numbers grow encouragingly in our prayer meetings. There were such tremendous answers to prayer over the course of our 24/7 prayer week that I felt convicted to make ongoing prayer an aspirational practice in the life of our church. Part of this renewed focus on building prayer will also mean doing less, but doing it better, rather than doing more not so well. At Easter and Christmas we will be streamlining services and focusing all our energies on providing the highest quality events we can offer.

Fourthly, I will be having to interact with conversations which are being opened up about the marriage of same sex couples in the Church in Wales. There will be a vote taken on the issue in the Governing Body in September 2026. As clergy our input in these discussions will of course be winsome and gracious. At the same time we are duty bound to express the damage which the existing provisions have done to the life of the church. We will also have to highlight the lack of biblical, theological or historical basis for the practice. Sadly, these conversations only serve to divide churches, congregations and leaders. They misread our rapidly shifting cultural moment as well as isolate us within the global Anglican communion in a way for which there is no model of success. Whereas these discussions only divide, mission focused on sharing the gospel of Jesus Christ brings us together. We will do all we can to change the conversations and reframe the debate by making the main thing, the main thing again and positively rearticulating the gospel of global and historic Christian faith in Jesus Christ. It remains the best and most popular news which the world has ever known and which our nation needs today more than ever.

It remains a great privilege to serve the Lord Jesus Christ as your Vicar. I am profoundly grateful for your love and support, and for everybody who serves our Lord Jesus in countless ways in our church family. This year, let’s recommit ourselves to knowing Jesus better, loving Him more, becoming more like Him and sharing Him with our parish, city, nation and the world.

Marcus Nelson ( Vicar of the Parish of Gabalfa and Tremorfa)

9

Finance Report

Strengthen the feeble hands, - steady the knees that give way; say to those with fearful hearts, “Be strong, do not fear; your God will come… He will come to save you.” Isaiah 35:3-4

Thanks be to God that He has brought us all into His church family, to encourage and support each other!

We can’t buy our way into Heaven. We can’t buy salvation. Jesus saves us, by His grace, not because of anything we do ourselves. Jesus loves every one of us equally, no matter how rich or poor we are, and no matter how strong or weak.

What we must do is encourage each other, help each other to “stand firm” in faith, and live and love as a family here on earth. We, the church, are the only family some people have; the only people who show them love and care.

Please pray for the PCC, that we will spend church money wisely, making sure we honour God in all we do. Money is a tool that helps us support our church family and our community. It’s not the reason we’re here; we’re not a business, we’re a family.

Unrestricted Funds (the day to day running expenses of the church)

Almost all our income at St Mark’s, St Philip’s and Heath Park comes from voluntary giving by our members. Thank you to everyone who has given generously to our church in 2024.

Our unrestricted income for 2024 was £296,688 and expenditure was £262,713. We began 2024 expecting a deficit budget of £62,150. This was partly because the parish share increased by £40,000! (Thankfully, it has decreased by the same amount in 2025).

We carried on in faith, knowing that we needed to keep sharing the good news about our Saviour, Jesus, and keep feeding people in our communities spiritually and physically. And God provided! We ended 2024 not with a deficit, but with a surplus of £11,445.

10

Finance Report

Income was around £40,460 higher than budgeted, including £11,880 more than expected in planned giving, and a one-off donation of £25,000.

Expenditure was around £45,670 less than predicted, mainly due to the vacant children’s pastor post. We therefore had a surplus of £33,975.

£5,000 of this was transferred to the Designated Critical Repair Fund and £5,000 to the Designated Organ Fund. In addition, £4,130 was transferred to the Mission Fund, £4,400 to Christians Against Poverty and £4,000 to Hope Cymru (as part of our tithe to mission). This has left a surplus of £11,445.

It costs approximately £260,000 each year for all the general running costs, which includes a policy of giving 10% of our general income to mission. This enables us to employ our amazing staff and run our worship services and weekly groups for all ages, put on outreach events and cover the running costs of the church buildings.

Designated Funds

Designated Funds collectively reduced by £25,620 in 2024.

The £4,130 transferred to the Mission Fund in 2024 was distributed by the end of the year.

£39,460 of the Contingency fund was spent on building work at St Mark’s, addressing the issues identified in the Quinquennial report. A further £2,130 was spent on architect fees. We received a VAT refund of £6,420 through the Listed Places of Worship (LPW) Grant Scheme. This scheme is due to end in March 2026.

£9,813 from the Legacies fund was also spent on building work. £1,960 of this was refunded through the LPW scheme. We also received £4,610 in Legacies during 2024.

£1,735 of the Parish Weekend fund was spent on the Holiday at Home events in September.

The £124 remaining in Memorial Donations was used for the children’s Holiday Club in February half term.

Total Designated Funds at the end of 2024 were £132,858.

11

Finance Report

Restricted Funds (funds received for named projects that can only be spent on those projects)

Restricted Funds collectively reduced by £11,700 in 2024.

£5,500 from the Building Redevelopment fund was spent on building work in 2024. The Hope Cymru fund has been fully spent this year. £2,180 was donated to the project, and £170 raised through the sale of J.John books. We also received a Diocesan Mission Fund grant of £600. This was used to cover filming costs, the website and advertising, and the Christmas in Cardiff event.

The Community Projects (food markets) fund decreased by £2,000. We received £1,610 in donations and interest and a £250 grant from Welsh Water. £4,290 was spent on supplies, equipment etc. We also received two Warm Places grants from Cardiff Council: £1,500 for St Mark’s and £990 for St Philip’s.

Monthly contributions from the church reduced the Christians Against Poverty fund to £60. This fund will be closed in 2025, and the contributions paid as part of the Mission Giving tithe.

Due to Statutory Maternity Pay being paid in arrears from the HMRC, the parish was owed £3,952 at the end of 2023; we were reimbursed in May 2024.

£2,210 from the St Philip’s Building Fund was used for a new floor. This was partly offset by a £380 Cardiff Council Community Building grant. We also received £4,710 from the Bishop’s Building Redevelopment Grant. This will be put towards a new kitchen for St Philip’s.

£1,010 from the St Philip’s Community Outreach fund was spent on the weekly coffee mornings, which launched in April, a community lunch in August and the Mission weekend in December. This reduced the fund to £365.

Total Restricted Funds at the end of 2024 were £30,438.

Scam attempt

One of the members of our finance team was scammed in August, and her computer was compromised. The scammers were able to access church CAF bank accounts via that computer. However, they were unable to withdraw any money due to the need for a second signatory to authorise payments. Praise God! The fraud attempt was reported to CAF and Action Fraud (National Fraud and Cyber Crime Reporting Centre).

12

Finance Report

Thanks

With grateful thanks to Pauline Page, who supports and guides me in her role as Assistant Treasurer (St Mark’s and Heath Park) and Gift Aid Secretary.

Thanks also to:

Wendy Cook, Assistant Treasurer (St Philip’s), Sharon Whatley, Assistant Treasurer (St Mark’s), Cathy Allen, our excellent Payroll Clerk, Sue Powell, the Independent Examiner,

Mo Hillier, who organises the banking of the income we receive.

Reserves Policy

The PCC agreed in 2021 that £56,000 be retained in the unrestricted funds of the parish, which is 3 months’ unrestricted expenditure. The unrestricted funds total stands at £99,619 at the end of 2024.

Page 8 of the finance report outlines where our money is held. No bank holds more than £85,000 of the Parish money, so our reserves are protected under the Financial Services Compensation Scheme.

Becky Gibbs Treasurer

13

St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No 1131555 Notes to the financlal statements for the year ènded 31st Oecember 2024 contlnued St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No 1131555 Statement of Finaiicial Activities 12 St Philip's Restricted Funds 31st ¢i. for the year ended 31st December 2024 8ulldlng Fund Openitlg bala Inteiesl le￿a￿ed Cardrff CoJncil Community 8J'"kling Gfant Bishop's BYP￿ing R&Yeyewent Grant avildng work anJ Tépaiis 2023 3.179 149 380 4.712 Inco¥nin resources Doriation5 and leqaces 2208 2.208 3,179 5.241 6.212 4a 4b 194,676 3.529 28.879 20 194,696 3.538 34.820 35 3T,997 4.611 29.651 182 999 4.047 6.2( 100 183,099 4.OS5 26.525 80 43,847 1.550 Fvnij for Worker Opening balance Inlwesl received 025 18.394 40 4e 4f 35 40SS Tax relv".fjs Leaaies 37.316 115 4611 8383 42.988 378 67 67 4,055 4,122 4.448 16.820 3.305 100 29.097 32.$02 Other Traditw A¢t4Vrties Children & Youth Work Opefting balan ifiltre5t recewed Rèsources puf¢hastsd 4h 2.398 511 2.909 479 7.603 1457 216 11.382 1.457 3.720 11.382 t21 Events 8 6-. ltes Par￿. SI3-e gebaie Incor￿ from Charitable Activtiies Fees Investnnt income E>2nk iilere&l S Pro**y Letti49 Other Incomino resource5 JIO 260 3.244 7503 12Q f 20 121 4k 328 328 385 385 St Philip% Communlty Outreach Opening balance Inlerest le￿vE eil Dwtions rE£eivèJ G;fi A41 & GASDS Tax Resources ptsrthase41 41 12,362 3231 16.394 11.027 1.644 13.034 860 704 Total incomin resources 291.688 18.411 22.862 332.961 264.013 4.410 51.664 320.087 1.013 1.013 Resources ex nded Charitablè activities Rarish stra.. Par(￿h￿l exrenses cfC￿lcS Supoort ol minisiry SIS'.Br:I ￿,_ '.'b' Exwrses Lav I P"ryisiets' L0515 Parish acti¥ities l.1alr.tènar￿ cf seryi Gene".al exrwffjes Church Drowtv qainl=narce ol chuithe5 'oint¢tL4nce of olher Excepd)nal ex?￿KI1￿..e Grants & linancial SUPDOrt Paio 718 365 136338 1.396 136.338 gS.615 1,185 95.61S 1.485 Wann Places Grant Gr3nt from Card".ff Council Resou¥r£s and utilib.es Transfer to St Ilaik's- rTrarkets supplE5 3CK) 991 5T1 1.527 16.221 1,527 18.$75 1.463 22.912 1.463 28.637 400 400 1.954 5.725 577 14 519 t7 12.6 7.525 47.797 6.831 27.629 995 48 1.500 9.450 9.326 37.127 51 35.063 59 sh 30.989 2.74 511 2.293 33.793 2.746 57.995 34.498 3.144 89 772 Total St Philip's Restricted Funds 35.359 3.144 36.717 8.015 7.020 3.918 10.717 51399 6.5 17.917 18.800 51 7.557 4760 14.2 1.115 1.540 2.590 19.127 27.799 9.464 4,200 12.60 8,802 2.250 23 503 41.769 6.450 17.530 Total Parish Restricted Funds 38,968 26,858 43.588 30,43B Ivotld mik% Costs of oenewatÈno liinds 51 35 16.90S Total resources ex ended 257.713 58.158 42.959 358.830 219.S42 34.951 60.129 314,622 Nèt Incomiw resources before traft$fer5 and othgr Trmgntsed gains and losses 33.975 -39.747 -20.097 -25.869 44,471 -30.541 4.466 S.464 ravks .700 Net movement in funds 11.445 -25.617 -11.697 -25.869 2T,371 -17.841 4.066 5.464 Total funds bff @ 1 Jan 2024 Total fun(Is clf @ 31 Dec 2024 88.174 99.619 1 $8,475 132.858 42.135 30,438 288.784 262.915 60.803 88.174 176.316 158.475 46.201 42,135 283,320 288,784 Fffiar￿. Page 1 Fin8rKe. Page 12

St Mark's Gabalfa and St Phllip's Tremorfa Parochial Church Council Charity No 1131555 Notes to the financlal statements for the year ended 31st December 2024 con￿nUed St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No 1131555 Balance Sheet as at 31st December 2024 11 St Ilark's Restrlcted funds l¢ontinuedl 1StJi ".8n5fws Re￿ur￿$ 31st Dec. 24 023 V&TS Thomas. 1¢4a¢y OEning Balance Childrep¥ 85ble 12d Current assets tieoi?rs Cash and bank balances 14 2.494 97 659 8383 724475 1.280 29 Z29 2,157 251.363 3.062 86.380 575 IYI 9CO 6.975 .552 279,7r 6 ,328 122 108 HMRC .MRC Sta￿tOry Merrity Pay Pay￿entS received HMRC for 2024 PsY￿j￿ntS reeeiked frorr. HPARC for 2023 Faymenls made to staff -3.952 1954 3.952 Crèditors falling due wkhin one year S34 605 1268 276 1.954 1,954 -3.952 5,906 Welsh Leadèrship Fotum Intem Opep.',g b84qn Grap.ts tom kVLF WLF lrt..ei salary Net current assets 99,618 132,858 30,438 262,915 88,174 158,475 42.135 288.784 7.217 5.333 TOTAL NET ASSETS 30.438 282.91S 88,174 42.135 12.550 12.550 99,618 132.858 158.475 288,784 7,217 5,333 Bruct Ford B(xler Fund Oper va balary Int&'est re￿Ved 6.348 FUNDS Capital funds 2024 2023 223 223 6,571 Perrnanenl endovment Expendats￿ end¢y•rnent Sensory Hèalttrty Church Ing bala IrL&rest received 287 Incomg funds Unrestricted Unr85tnct&J- designat8d Restrict￿j 10 99.618 132.858 30 438 88,174 158.475 42.735 157 157 287 10 14D io Childr2n Youth Work O￿ni￿ babn TOTAL FUNDS 262.915 286,784 785 50 NB The Churth building. its contents and the thurth grour￿$ a￿ yest￿ In the Represeniab"ve Body ofthe Church in Wa￿5 and do lonn part oftre g5set$ oftl parts Chthli8n'5 YAryk expervartUi 835 835 785 50 APPROVED by the Paro¢hlal Church Council on Mission >rEy coll￿￿e￿ foT miswcn wrp)s8s. used fLW purkx>se5. Ind￿￿￿24 mssion gNing IndJtsl tn ts notes tknnalxjns Vanods Tri5SKJr ag￿r￿ 7&8 and 5ignerl on rts behalF ty INanEI REV'd Marcus Netson 35 35 35 (Signaturel Totsl St MarKs Restricted Funds 19.638 8.800 39,670 19,721 (Namel Gibb5 The notes on pages headeo Finance- Page 3 to 12 fcm part of ihis acowrt Finwts. P8ge 2 Finar￿- Pgge 11

St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Councll Charity No 1131555 St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No 1131555 Notes to the financial statements for the year ended 31st December 2024 Notes to the financial statements for the 10 St Mark's Restrict9d funds 88&- ear ended 31st December 2024 continued 37Si DÈe. Accounting policies Tb.• Finanaal SiateTtents have been prepared In accordance wi'th applicable Unf(ed Kingdom 2ccoJnting standards. the -statement of Recommended Prathce. SORP (FRS102} istued by le Charity Commissionets. and the Church in Wales Awunbng Regulations. Tb.e stoncal cost convenb'on is usecl except for the valuation of cer￿In fixed assets. whose valuation basis is detailed In note18 below. The acLruals basis of accounts.ng has been 8.opled. The prinapal accounting policies are applied consistenuy Building Redevelopment Ope..IfYJ 3-13we Inleresi recave L￿tea PLètes of Worship VAT..eftJnd 5.464 12 1.099 5.496 1,099 Comfftuftity Prole¢l$. City Outreach Opep.Ing 8aL#ice Interest receii'&d Doi¢bons Gill A￿7 & GASDS Tax Vlelsh Walef Grant Transfer frorn St Phs..Ip$ Supples Purthased OEhe", C05+ts- equipTren( pub',¢Fty. milea>e 70 871 216 1.39i> Fixed assets Churches. churchyards and vicarages are vested in the Representative Body of the Church in Wales. Such pr(yety forms no part of the assets of Ihe parish. Moveable church cop.lents a￿ inalienable propety and require a faculty for disposal_ Many are historic for whicl no reliable ccst or valuation bases exist. They are llot recogriised on the balar sheet nor listed. to prevent increased risk of theft and vandalism. Expendrture on churches (in￿L￿1ng contents). churchyards and vÈcarages is written off when inCur￿d. Other freehold12nd and buildings are held in trust for the parish by either the RepTesentalive BoLly or the Llandaff Diocesan Board of Finance. T￿le{e is no frEehold tand or building not vesled wth the Representalive Body of the Churth in Wales No PT0ViSi(￿ for depreciation of land and buildings is made. Rouiine addits'ons and repl8￿ments to the hall contents are charged to current expendituie. 250 2.028 4.250 10.871 1.888 8.869 Chrtsilan5 A93in$t Povety Opef¥4g Bela lTrtEresl rEeewed Tf8nsfef triyn unrestr￿(￿￿ liurbds CAP contrib￿. 513 4.40C 4910 4.910 513 59 Hope Cyfflm IRestr¢tedl Opening b8L4r DonalKTrnS r￿￿e4 Dioces)rt Mis5ory Fund G?nl Transfer f.om GerEfftl Funo. Uissth Interesl receNed Grft & GASDS Tax F￿r￿1[al$In9- sale ol J.JoM tooks FilrniryJ cos VietsPie ai(1 ￿dVerbSj￿Q Christmas in Caroitt ever 12 2.176 EqUi[￿ent is charged to current expend￿re. Investment assets are stated at mid-market values on the balan￿ sheet date The income from these assels is slated as revaluation to distinguish it trom other intx)me. 521 170 Funds Endowment funds: St Mark'5 Church has no endowment funds. Restricted funds: represent donations or grants r￿Ved for a specific objecl or invited by the PCC for a Speci￿ objecL The funds may only be expended on the 5pectfic obiect for which they were given. Any balan￿ remaining unspent at the end of each year must be carried forv'ard as a balance on that fund. Unrestrlcted funds: are general tunos ￿[ch can be used for PCC ordinary purposes. Designated Funds: ale sums set aside out of general funds fo¥ spwfic designated purposes. They can be transfeffed back to unrestricted funds at any lime. 697 6.782 7.479 t2 3.467 Glll Dallow Mèmorlal FJnd for yrxrth worketsfor SÉ Phib"ps arvj in Vlak5 Openw 88L3r llltere51 ￿ve￿ 2.729 42 42 2.729 2.771 Youth Fvnd 281 Intèrest re%'.ved Youth ￿$￿￿rEe$ and events Incoming resources are all accounted for gross. Planned gil'ing, colwlons and olonatsons are recognised when received. Tax refund5 are recognEed as swn as the amounts are daiffiabie. Grants and legacres a￿ accounterj for when the PCC is legally enb.lled lo the amounts due. Investrnent income.. Where the PCC has not invested 5ep3ratety for each fund. interest is apportt.oned to indiwdual funds on an average balance basis. All other income is generally recognised when it is feceivable. +Vhen income is received via the cashless giving machine and JustPaik. the full In¢xsme amount Is reccffded. The transaction fees are then recorded as negative amounts, leaving a nel figure. 182 182 281 104 Dlscretionary Fund Open,'n9 Batartc IntÈrest r&ved irt.emet f(K panshwier HO￿ Kki5 Ye30urce5 256 12 215 256 12 Warrn Place$ Grant Grant fr￿ Car#rffCounal Resourtes utilit*8 Trdnsfer belween churches in the MA As a budget def￿ of £62,CIXI was predicied for 2024. £5.000 was transferred from St Mark's gen8ral fund to St Philip's general fund. to ensure that the Sl Philip's accounts didn't become overdrawn. FKonce.Poge 3

St Mark's Gabslfa and St Philip's Tremorla Parochial Church Councll Charity No 1131555 St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No 1131555 N0185 to the fitbancf81 statemfrnts fur the year nded 31st De¢ember 2024 CorrtlnL￿d Notes to the financtal ststements for the g DesF9nated funds St Mark's ear ended 31st December 2024 continued 1 Accountina pol￿1￿$ ¢ontinu•d 8•i•n£e TBnsfvs 31st Dèt. CgTrtingen¢y fund Openiyg tsla4r£ l¢ie-esi re¢eived I r5:ea Pl?ce5 of iVoTship VAT refunLI Reimburs￿)ent for damaged gbss panes Repiaong damaged glass panes Quinquenftial builoir¥J 70 Arb",ted fs 61.530 2024 20ZJ 640 6,421 511 2 Paid eM￿0Y￿&S 59,44S 61.389 2.5$2 1.338 fctal stalt. 4oerao¥nmwofgm￿o1ttS In b yearliFTE 65,597 39.457 2.129 42.097 3 Payments to PCC Mem￿1$ 61,530 7.572 27,¢XtrS 1129 &183 of PIL meriws r&livÈS w exp2n59S No ?CC mEmbers were emF4oyed Critical Repair O)ening ba&a￿e nteTe5t r￿￿ed TBnsfet frorn vnreslr1￿ fLnd5 7D.350 4 Anatysis of wicomltyg rssources 2,186 5.000 PLqnnèd ylYln9 SLgn4in9 ord&3 & Clfect 70.350 2.186 77,536 41.240 153420 194,676 41260 1$3.4J6 31253 51.353 151.746 103.099 hlission Fund Openir¥ balan Trdrasfer frorn Uiirestritted frJnds Intepèst l)ofiat4)ns to T?Ter to Hcfe Cymru 1(WJ 8.130 b ChurEh co11p￿On a529 4.095 28 4.130 4.000 8,13D 575 1.125 16 17279 571 2£A25 8,13D 28 123 1,4BI Organ Fund Opwing ba18n( Intewl received Transfer from unrestriGttrY frJnt1s ￿ectron￿ organ equipmgni Z4A19 1.Y25 15.090 d For M165loh 247 25 io 25 ID CEF IUkAnè4 259 259 15,09D 247 5,000 20.078 InE."est receT¥ed 63 4.811 ste(1 Places of Worship Grant BuiTrthng repwr ￿1rk 9.813 9,813 6,637 6,074 Geoff Clark Memrfal OpenTng balan( 1.651 49 49 1.651 1.700 Parish Wèek•nd OpeniD.g bath In*Eresi received 481 17 G¥ft ANJ & GASDS Tax HolKlay at Hm ewnts 115 1,735 1,735 481 1.692 438 emorial Donatlons Cpening l)alarK Holsday dub reswrces 124 124 124 124 Totsl Designated Funds 158.476 18,411 18,130 62,158 132.858 Fbiance. Page 9

St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Counell Charity No 1131555 St M3rk's Gabalt8 and St Phllip's Tremorfa Parochial Church Councll Charity Nts 1131655 t4otES to the financial statements for the year ended 31st Detefftbèr 2C124 continu£d S Analys4s of ¥e50ur¢es exp¢nded ¢oDbnu¢ Ch8rltab10 activiikes Gknts & support Vlorfd Mi$sk?n 1.)P7 4.76G 25 &065 7É0 Btle Sxety 4,760 4.7C J•sUSal￿ 8id Ibe E8SI k'.issi Ilottrs Overseas DJry.s &72$ 2SO Lawh87b P¥inafship Cthi Ew8518n PartrErs PRIME (PaWanm#o.ftrypr¢l￿I 2x1 280 50 2.59tr io 42CQ 72D t4.280 16.gJ5 12 17.SXI 2444 m fian51eis TOcit￿ tEpatrfrMI TtsCbTr5ti8n5 Agaitl Povety TOML55￿ F￿n￿ T￿c￿[￿LM.tyP(O1eaS 250 To￿70 4 4fiJ 4.130 4_1 -2.T 2.1 2￿? A17 1667 J2.2 2A To Ilo¢e C)rn lo Otw h H•LY0￿￿ty 6$ -215JO 14,130 -17.1fy) 117NJ 213 Currert asset8 l￿Ed PL￿ ¢1 %VLN5r￿p GTart G AKI ¢ax refutwJ5 GASD5 tex iefthryjs 10.fro 835 307 753 931 100 2.761 179 3.615 1.110 673 152 19 945 415 3.g52 SD7 241 11157 3.062 575 915 1QS52 Jjzo 7JO) Sl tssh CtsTMiaEC Sl ￿5h carf acc 6.559 921 2.6* 27.470 41.$86 819 2917 1a.860 921 10,619 68.125 44.459 80.125 2.124 72.194 43.374 1.7 261 fl.643 Sl M8ttsViry.n x(2x¥4 St Mart5 shE￿￿£￿k￿)LnI 2.723 2.729 &347 67.213 363 2.771 6.570 72.736 452 12J62 JJ 11.V21 75.440 41239 SI PAar￿5 Sale Siphthp's Cash Phil'p's Cks cash asrerrta SS Ph..IIp'5 CAF SI 41 3.353 41 2.L¥47 4.931 4.377 5.246 669 IS.104 251.363 9.858 97.6S9 5.112 34496 14.9J2 279.776 124A75 157,¥AI 8 Crèditots falling du• ¥Jilhin one yw 71 876 S13 270

St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Councll Charity No 1131555 St Mark's Gabalfa and St Philip's Tremorfa Parochial ChurGh Council Charity No 1131555 Notes to the finatt¢io1 st#tomènts for the year ende￿ 31st Decèmber 2024 continued No'ies to E"he fin3rtcial statements for the year ende(t 31st Oecember 2024 continued An8lysl$ gf resources expended conttnued Charitablo activits.es 5 A•aty$i$ of resources expènded Charitsble 8ctlvlUes Supwrt Oi ministry 2023 h M8rtenance ofother propety - baL4119 fabrt W, el¢ - buileing sep4res a Pari$h Sharv 136.338 1M,3 95,615 .ss£ b Parochil èxpEnses of clprgy CIHf9y travèl eNo8nsps Crgy oVreX￿n5e$ 1,275 425 1.042 1746 97 2.284 763 3,144 97 2,284 763 3.144 204 1341 PWy'{27 Pen y Bryn Roa¢ 429 042 2.7461 1.192 1,530 932 1.145 1,396 134 Assistant Clergy e¥p¢nse$ 1.527 1A63 1.463 Exceptson&l exFndStsre Si 9l￿p s refutsshrneot I IAark's GuttWVJ 1.100 1.100 2.8W 1&.000 2.8tX) 16.569 16.011 1337 Lay Mlni8t8r8' Costs V￿111￿6 s￿aki￿5 Lay t￿l$le[s, Exper￿￿$ L8y fvlhitsiErs' SakArres L8y m￿ls1(S Nl Lay My￿18￿5 Pension 569 16.C11 1.337 520 S£D IOD 25.833 1278 5D6 28.637 QaTi pquenTr,A inspeckn costs 14 842 742 516 16.221 1857 18.749 742 573 18.575 20275 1278 73è 72.92 496 8596 56,855 57.995 57,399 17,917 18,800 36.717 57 1.954 ',67 5.725 Grants 8 Parisb R￿￿>Vc￿￿rVt's & yotsth 627 3.354 124 182 533 933 Jm7 J9S2 2.664 510 J68 2A72 2.832 1,900 763 2,133 1,952 HI￿ ol Heh CbtiLens' hal 1.715 1,339 1,715 1.613 1,063 793 1.7XS 052 1214 2.114 1,7Sth 1.M7 1214 3,S14 1,SDO SDe 14 991 155 ktytsitA insiwmpnts 0￿1￿1 servws CopyFiyhl &rn Senw Healthy Cty CvLreach iFthc Ilthtketj 4kn3r￿. sp￿ funds 157 4.019 1.461 157 19 1h61 981 126Z 1.291 7,695 2,133 1,952 637 156 6,835 519 t70 7,525 6.831 9.326 528 528 867 3,763 19,176 395 139 49 4,800 41,769 f GenErJl partsh exppnsos A￿￿ evwyh5m CtrJ&S￿n'S ev8ngeS Htspè C!mru-filftun9 and èvents Twuro !F¢Joa HygerEIFitst.4ittl L￿￿e Seed5- Murns & TodthErs M>"rtLa4rg Web S#e Christs8ns Aganst Poverty 1262 1,121 25.49B 3.104 765 12.5SS 38.0 3,104 765 647 1263 1.388 1.140 21.103 1.274 9.351 3Q,455 1,274 750 571 170 7.S95 2.705 1.0SB 12.8B2 Adm¥v5tralors- Nl AdmKTiStralor¥- P￿Sk)n AdmwNstraior3. u¢her ￿t5 Slat., ¢4p￿n9 & otnce materia Cofflwlers rf ¢hwch Suhe Offte Id&ph￿Q & viteffl Grfis cor￿0￿ Indwndenl examinbtic BTrk ChargtS PCC meÈ:iw cos 6,?94 395 139 571 1.49B 25 25 186 4.910 27.799 22 49 8>9 Ypo 4.910 19.127 4,800 23,503 1.140 1,115 9.464 8,602 192 192 fund fordild PMews. CarodfAsan Outre&h Chrstsn5 Aga'nsl Pv¥efy UY Ads4i5 chitstmas.the Story LkndaF, Dorse Mothw5" LlrAon Army Ws UCCF. CoJ&ff Un￿W$￿S 250 5DO 250 4,700 IBD Iso 4.200 10 3S,063 10 25D 25D 250 250 io 12,650 47.797 27,629 37.127 250 250 50Q 500 2250 250 250 500 500 6,4X+ Church prop•rty g Malntsnanc8 of churches InsLThn Ele&r 2$0 25D 6,300 I￿9 7.858 11,202 774 1,53) 7,856 1t,452 714 6.570 8.706 751 6.752 9533 7SI 4.760 824 Water Churth. fabr 4.521 1.7 6.112 1.(63 30.989 4A21 2.1 4.992 5,101 2,103 Churth wup.. rpps & renevo Caner. saary Clearry material5 511 1.271 522 6.112 1XITO 33.793 5,1Qf 939 3435Y 511 2293 34.498 4>•ae 7

St Mark's Gabalfa and St Philip's Tremorfa Parochial Church Council Charity No. 1131555 Independent Examiner's Report to the Parochial Church Council for the year ended 31st December 2024 Inde endent examiner's re ort to the Trustees I report on the Accounts of the Church for the year ended 31 St December 2024, which are set out on pages numbered Finance - Pages 1-12. Respective responsibilities of Trustees and Examiner: The Church's Trustees are responsible for the preparation of the Accounts. The Church's Trustees consider that an audit is not required for this year under section 144{2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed. It is my responsibility: to examine the accounts under Section 145 of the 2011 Act", to follow the Pro￿dureS laid down in the General Directions given by the Charity Commissioners under section 145 (5){b) of the 2011 Act., and to state whether particular matters have come to my attention. Basis of Independent Examiner's report: My examination was carried out in accordance wrth the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the Charity and a comparison of the Accounts presented with those records. It also includes 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 no opinion is given as to whether the Accounts present a 'true and fair view,, and the report is limited to those matters set out in the statement below. Independent Examiner's statement: Since the gross income for the year exceeds the amount provided in section 145{3) of the Act, I confirm that l am qualified to act as Independent Examiner under the provisions of that section of the Act and that my qualification is as shown below. In connection with my examination, no matter has come to my attention" (1) which gives me reasonable cause to believe that in any material respect the requirements: to keep accounting records in accordance with section 130 of the 2011 Act", and to prepare Accounts which accord with the accounting records and to comply with the accounting requirements of the 2011 Act have not been met; or (2) to which, in my opinion, attention should be drawn to enable a proper understanding of the Accounts to be reached. Signature: Name & Address: Mrs Susan Powell, 18 Thornbury Close, Rhiwbina, Cardiff, CF14 1 UT Qualifications: CPFA. Date: i s /03/2oaS