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2022-06-30-accounts

Contents Page Page Page
Contact
information 1
Trustees ofthe charity 2
Operating and Financial Review 3
-
10
Corporate Governance and Public Benefit 11 - 13
Responsibilities ofthe Governing Body 14
Auditors’ Report 15 - 17
Statement of Accounting Policies 18 - 24
Statement of Comprehensive Income and Expenditure 25
Statement of Change in Reserves 26
Balance Sheet 27
Cash Flow
Statement 28
Notes to the Accounts 29 - 41

management account
deficit (0.9)
Remove
Depreciation (2.2)
USS Deficit (1.3)
Other (0.4)
Deficit included in SOCIE (4.8)

3 Year
Support (E’Ooo) 2019-20 2020-21 2021-22 Total
Postgraduate studentships 495 467 334 1,296
Undergraduate studentships 16 19 23 58
Cambridge Bursaries & other support 308 319 343 970
Prizes and scholarships 33 96 57 186
Maintenance/rent rebates 131 133 128 392
Book grants 7 17 9 33
Research expenses 36 6 22 64
Counsellingsupport 17 40 56 113
Vacation study 12 56 49 117
Other awards 42 27 46 115
Total awards 1,097 1,180 1,067 3,344

Pembroke College is funded fro
s follows:
m a series of sources. I ncludingendo wment
2020-21 2021-22
IncomeSource £000 % £000 %
Studentfees 3,231 28% 3,319 22%
Student rents 1,984 17% 2,753 18%
Student catering and bar 355 3% 382 2%
Bequests & Donations 1,647 14% 2,574 17%
Endowment 3,422 30% 3,534 24%
International Programmes (1) 0% 1,741 11%
Conference 12 0% 191 1%
Other 960 8% 831 5%
Total 11,610 100% 15,325 100%

Em
Annual giving 0.8
Restricted fund annual gifts 1.6
Unrestricted endowment gifts 0.1
Corporate donations 0.2
Capital gifts
— Mill Lane
7.7
Total 10.4

2020-21 2021-22
Investmentvehicle £000 % £000 %
Managed cash (other than operating balance) 3,294 3.4% 3,322 3.3%
Equities 51,439 52.9% 49,100 48.8%
Alternative investments (hedge funds, derivatives) 116 0.1% 0.0%
Property funds 9,323 9.6% 12,536 12.5%
College property—shops, land and commercially held properties 31,125 32.0% 33,469 33.2%
Private equity, venture capital 1,075 1.1% 1,367 1.4%
Other investments 791 0.9% 763 0.8%
Total endowment investments 97,163 100.0% 100,557 1000%
Overall investment growth 10.40% 3.49%
Drawdown for spending 3.90% 3.60%
Total return
Private placement investments (note 9)
Managed cash 2,612 19,1% 612 4.8%
Equities 11,041 80.9% 12,268 95.2%
Total other investments 13,653 100.0% 12,880 100.0%
Total investment portfolio (note 9) 110,816 113,437

Computer equipment/photocopiers 33% p.a. (3 years>
Boats 7% p.a. (15 years)
Heating systems 5% p.a. (20 years)
Other furniture and equipment 10% p.a. (10 years)

2021 Total £000 3,473 2,474
1,691
2,474
1,691
(9)
581
(9)
581
8,210 1,464 397 13,125 23,196 7,603 6,029 6,029 2,648 (163) 34 16,151 7,045 12,717 19,762 901 20,663
Endowment £000 1,536 (3,425) (1,889) - 397 - (1,492) - - 699 - - 699 (2,191) 10,438 8,247 - 8,247
Restricted £000 140 0 138 1,870 20 2,168 775 - 13,125 16,068 2,328 - 160 - 6 2,494 13,574 556 14,130 14,130
Unrestricted £000 3,333 2,474 17 1,546 561 7,931 689 - - 8,620 5,275 6,029 1,789 163) 28 12,958 4.338) 1,723 (2,615) 901 (1,714)
2022 Total £000 4,791 4,307 1,755 (8) 137 10,982 1,574 1,170 7,664 21,390 8,405 6,731 3,169 1,346 34 19,684 1,706 3,836 5,542 1,144 6,686
Endowment £000 1,574 (3,529) (1,955) - 1,170 - (785) - - 926 - - 926 (1,711) 4,527 2,816 - 2,816
Restricted £000 148 2 39 1,929 37 2,155 794 - 7,664 10,613 2,172 - 232 - 8 2,412 8,201 118 8,319 8,319
Unrestricted £000 4,643 4,305 142 1,592
100
10,782 780 - - 11,562 6,233 6,731 2,011 1,346 26 16,346 4,S4 (809) (5,593) 1,144 (4,449)
Pembroke College StatementofComprehensive Income and Expenditure Year ended 30th June 2022 Note Income
Academic fees and charges
Accommodation, catering and conferences
Investment income
Endowment return transferred
Other income
1
2
3a
3a
3c
Total income before donations and endowments Donations
New endowments
Other capital donations for Mill Lane project
Total income Expenditure
Education
4
Accommodation, catering and conferences
Other expenditure
USS Provision
Contribution under Statute 0,11
5
7d
7d
Total expenditure (Deficit)/surplus before othergains and losses Gain/(Ioss) on investments
3a
(Deficit)/surplus fortheyear Other comprehensive income
Actuarial profit/(loss) in respect of pension schemes
15
Total comprehensive income forthe year The notes on pages 29 to 41 form partof these accounts.

Pembroke College
Statement of Changes in Reserves
Year ended 30th June 2022
Income and expenditure reserve
Unrestricted Revaluation Restricted Endowment Total
£000 £000 £000 £000 £000
Balance at 1 July 2021 76,110 76,084 41,139 87,580 280,913
(Deficit)/surplus from income and expenditure statement (5,593) - 8,319 2,816 5,542
Other comprehensive income 1,144 - - 1,144
Release of restricted capital funds spent in the year 19,071 (19,071)
Transfer from endowment to unrestricted funds
Balance at 30June 2022 90,731 76,084 30,387 90,396 287,599
(note 17) (note 16)
Income and expenditure reserve Restated
Unrestricted Revaluation Restricted Endowment Total
£000 £000 £000 £000 £000
Balance at 1 July 2020 75,652 76,084 29,181 79,333 260,250
(Deficit)/surplus from income and expenditure statement (2,615) - 14,130 8,247 19,762
Other comprehensive income 901 - - 901
Release of restricted capital funds spent in the year 2,172 - (2,172) -
Transfer from endowment to unrestricted funds
Balance at 30 June 2021 76,110 76,084 41,139 87,580 280,913
(note 17) (note 16)

Year ended 30th June 2 022
2022 2021
Note £000 £000
Non-current assets
Fixed assets Ba 179,810 162,592
Heritage assets Sb 644 574
Investments 9 113,439 110,818
Total non-current assets 293,893 273,984
Current assets
Stock 10 688 720
Trade and other receivables 11 2,608 7,746
Cash and cash equivalents 12 0 2,937
Short-term investments 13 19,387 25,072
Total current assets 22,682 36,475
Creditors: amounts falling due within
one year 14a (10,008) (10,657)
Net current assets 12,674 25,818
Total assets less current liabilities 306,567 299,802
Creditors: amounts falling due after
more than one year 14b I14.1O i
,556i
292,127 285,246
Provisions
Pension provisions 15 (4,530) (4,333)
Total net assets 287,597 280,912
Restricted reserves
Income and expenditure reserve - endowment reserve 16 90,396 87,580
Income and expenditure reserve - restricted reserve 17 30,387 41,139
120,783 128,719
Unrestricted reserves
Income and expenditure reserve - unrestricted reserve 90,731 76,110
Revaluation reserve 76,084 76,084
166,815 152,194
Total reserves 287,599 280,913

Pembroke College
Cash FlowStatement
Year ended 30th June 2022
2022 2021
Note £000 £000
Cash flowsfrom operating activities 21 16,555 (2,625)
Cash flows from investing activities 22 (16,275) 199
Cash flows from financing activities 23 (602) (602)
(Decrease) in cash and cash equivalents in the year (322) (3,027)
Cash and cash equivalents at beginning ofthe year (4,952) (1,925)
Cash and cash equivalents at end ofthe year 24 (5,275) (4,952)
1. Academic fees and charges 2022 2021
£000 £000
College fees
Fee income received at the Regulated Undergraduate rate 1973 1,967
Fee income received at the Unregulated Undergraduate rate 451 417
Fee income received at the Postgraduate rate gg 47
Pee income received at the International Programme rate 1,206
4,525 3,231
Other income 101 110
Cambridge gursary scheme 165 132
Total 4,791 3,473
2. Income from accommodation, catering and conferences income 2022 2021
£000 £000
International Programmes 535 (1)
Accommodation
College members
2,957 2,log
Conferences 7g 9
Catering College members 625 355
Conferences 112 3
Total 4,307 2,474
3a. tndomment and investment income 2022 2021
£000 £000
Income from investments and donations:
Income dramdomn from andomment 3,520 3,416
Freehold land and buildings 1 11
Other interest receivable 67 (14)
Private placement inaestmaat income 76 20
Mill Lane investment income 39 13
3,703 3,571
Summary of total return:
Income from:
Land and baildings 454 492
Oaotnd and other secarities and cash 1,119 1,045
Gains on endomment assets:
Land and buildings 3,114 317
Ouoted and other securities and cash 1,532 10,177
lnaestmnnt management costs in respect of:
Land and buildings (490) (320)
Ouoted and other securities and cash (436) 433)
Total return for the year 5,293 11,773
Total return transferred to income and espenditure reserve (see above) (3,529) (3,425)
Unapplied total return for year included mithin Statement of Comprehensive Income
and Eupenditurn (page 25) 1,764 3,353
Gains on other assets:
Ouoted and other securities and cash (page 25) (309( 1,723
3b. Investment management costs 2022 2021
£000 £000
Ouoted securities
- equities
294 273
Other investments 142 160
433 433
3c. Other income 2022 2021
£000 £000
Lease of operational buildings -
Income from sports facilities and eqsipmnnt 13 16
HMRC Job Retention scheme grant 43 497
Other income 81 68
137 531

Analysis of eapenrfituru by activity 2 021-22
Staff & Fellows Other
payroll costs operating Total
(note 6) eoyenses Depreciation 2022
£000 £000 £000 £000
Education (Noted)
Accnmmodalion, catering, and cnnferences (Note 5)
other eopenditnre (Note 7d(
USS pnnninn Prnaisinn
Cnntribatins under Statute 0,11
4,420
2,062
935
-
3,401
2,353
2,030
1,336
34
576
1,518
144
-
8,405
6,73t
3,169
1,346
34
0,281 9,164 2,236 19,661
Loan interest payable for the year tn 30th June 2021 wan 0482k.
Other enpenditure includes gnnereance, investment management fees, fundraising and alumni relations enpenditure
Eundraising costs Caere 0210k.
Analysis ofenpenditorn by activity 2020-21 Staff & Fellows Other
payroll costs operating Total
(note 6( nopnnses Depreciation 2021
€000 £000 £000 £000
Education (Note 4(
Accommodation, catcrint, and conferences (Note S(
Other enpenditure (Nnre 7d(
595 pnensron prnoisinn
Contnibuton under Statute 0,11
4,080
2,587
895
-
2,952
1,942
1,810
(163(
3d
971
1,900
043
7,603
8,029
2,648
(183(
34
7.562 6.379 2,214 10,151
loan interest nasable for she year to 30th Jane 2021 was 0482k
Other noyenditure includes gonernance, investment management fees, fucdraising and alumni relations copenditure.
Fondraising costs Caere 021Gb,
. Auditors’ remuneration
2022 2021
£000 £000
Audt lens payable to the College’s ent&nal aud’tnrs
Other fees payable to the College’s enter’ral aoditnrn
27
1
21
3
. Other espenditorn 2020 2021
£000 £000
Uninensities SuyerannoasinnScheme
Interest charges
lnoestment management fees
Other enpenditare
- pension pcnnisinn 1,036
475
926
423
(163(
482
699
1,467
3,109 2,405
a, Piond assets
college site
Buildings
Assets
Course
in
of
college situ
Foondress
Houses for
College
Sportsgroand &
Boathouse
land Furniture &
gqoipmeot
Total
2022
Total
2021
construction Court Memhers
£000 £000 €000 £000 £000 £000 £000 £000
cost/naluation
Alt July 2021
Additions
Disposals
Transfer In innestments
-
69,890
172
-
(56(
9,870
14,964
19,139
46
96
19,512
54
820 55,990 3,728
43
170,774
19,454
-
118,227
3,331
(28)
(758(
Cnst/nalaatinn as at 30 June 2022 66,062 28,953 15,010 19,622 020 55,990 3,771 190,220 170,774
Oepreciation
At 1 July 2021
prnnided for the year
3,777
1,337
-
-
915
309
1,135
390
79
27
-
-
2,276
173
8,182
2,236
5,967
2,20S
Oispusals
Onpreciatinn at 30 June 2022 5,114 - 1,224 1,525 106 . 2,449 10,418 8,182
Net book value
At 30 June 2022
00,908 28,953 10,786 18,097 714 15,990 1,322 179,810 162,582
At 30 bce 2021 62,114 3,870 14,049 18,377 741 99,990 1,432 162,992 162,260

Amounts for the current and previous four years were as follows: Amounts for the current and previous four years were as follows:
2022 2021 2020 2019 2018
£000 £000 £000 £000 £000
Total value 1st July 574 481 206 136 136
Acquisitions purchased with specific donations 275
Acquisitions purchased with College funds 70 13
Total cost of acquisitions purchased 70 13 275 - -
Vaiue of acquisitions by donation 80 - 70 -
Total acquisitions capitalised in year 70 93 275 70 -
Total value 30th June 644 574 481 206 136
9. Investments 2022 2021
£000 £000
Balance at 1 July 110,818 99,526
Additions 2,290 12,063
Disposals (785) (8,676)
Transfer from fixed assets 758
Gain 3,088 12,271
(Decrease)/lncrease in cash held by investment managers (1,958) (5,093)
Less: change in amount owed to Pembroke House (14) (31)
Balance at 30 June 113,439 110,818
General investments 100,559 97,165
Private placement investments 12,880 13,653
Balance at 30 June 113,439 110,818
2022 2021
£000 £000
Long-term investments:
Commercial shops 2,637 2,550
Agricultural land 9,631 9,501
Residential property 21,200 19,075
Total investment properties 33,468 31,126
Equities 61,631 62,793
Other investments 13,908 10,403
Cash in hand and at investment managers 3,936 5,958
Loans to Fellows 763 791
Less: a’niount owed to Pembroke House (267) (253)
113,439 110,818
10. Stock 2022 2021
£000 £000
Kitchen 26 21
Cellar wine 656 693
Bar 2
Porters’ Lodge
688 720

11. Trade and other receivables 11. Trade and other receivables 2022 2021
£000 £000
Trade debtors 72 14
Members ofthe College 224 219
Debtors and prepayments - Other 1664 7,513
Debtors due over 1 year 648
Trade and other receivables due within one year 2,608 7,746
12, Cash and cash equivalents 2022 2021
£000 £000
Current accounts -
Bank deposits - 2,937
Cash 0 0
Less: amount owed to Pembroke House (0) (0)
0 2,937
13. Short-term investments 2022 2021
£000 £000
Mill Lane deposits 19,387 25,072
19,387 25,072
14a. Creditors: amounts falling due within one year 2022 2021
£000 £000
Bank overdrafts (see note below) 5,275 7,889
Bank loan 135 127
Trade creditors 527 363
Members of the College 888 838
Accruals and deferred income 2,808 1,167
Universityfees 4 2
Contribution to College fund 34 34
Taxes and social security 37 117
Holiday & Bonus accrual 241 85
Other creditors 59 35
10,008 10,657
lAb. Creditors: amounts falling due after more than one yea’ 2022 2021
£000 £000
Bank loan 1,168 1,303
Members of the College 372 353
Other loans 12,900 12,900
14,440 14,556

Pension provisions
CCFPS USS 2022 2021
£000 £000 £000 £000
(Deficit) in schemes in beginning of the year (3,288) (1,045) (4,333) (5,371)
Movement in year:
Recognised in income and expenditure (264) (1,354) (1,618) (136)
Contributions paid by the College 277 - 277 273
Actuarial (loss)/profit recognised in the Statement of 1,144 - 1,144 901
Comprehensive Income and Expenditure
(Deficit) in schemes at end of the year (2,131) (2,399) (4,530) (4,333)
note 20b note 20a

Endowment funds
Restricted Unrestricted 2022 2021
Permanent Permanent £000 £000
£000 £000 £000 £000
Balance at beginning ofyear:
Capital 44,127 43,453 87,580 79,333
44,127 43,453 87,580 79,333
New donations and endowments 1,137 33 1,170 397
Increase in market value of investments 866 780 1,645 7,850
Balance at end of year (page 26) 46,130 44,266 90,396 87,580
Representing:
Fellowship Funds 12,609 - 12,609 12,336
Scholarship Funds 7,313 - 7,313 6,509
Prize Funds 1,033 - 1,033 1,011
Bursary/Hardship Funds 5,446 1,325 6,771 6,521
Travel Grant Funds 1,775 1,775 1,740
Graduate Funds 8,117 - 8,117 8,655
Other Funds 9,837 - 9,837 8,653
General endowments - 42,941 42,941 42,155
Total 46,130 44,266 90,396 87,580
Analysis by asset:
Property
13,610 13,060 26,670 24,599
Investments 1,600 1,536 3,136 58,273
Cash 30,920 29,670 60,590 4,708
46,130 44,266 90,396 87,580

7. Restricted reserves
Capital grants Unspent Restricted 2022 2021
unspent Permanent Expendable Total Total
£000 £000 £000 £000 £000
Balance at beginning of year:
Capital
- - 6,055 6,055 5,243
Accumulated income 31,482 2,980 622 35,084 23,938
31,482 2,980 6,677 41,139 29,181
Transfers between funds in year
Increase in market value of investments
- -
118
-
118
-
556
Capital grants
Donations
7,664 -
3
-
791
7,664
794
13,124
775
Endowment return transferred - 1,697 232 1,929 1,871
Other investment income 39 72 115 226 297
Expenditure
Capital grants utilised
(75)
(19,071)
(1,507)
-
(830)
-
(2,412)
(19,071)
(2,493)
(2,172)
Movement in the year (11,443) 26S 426 (10,752) 11,958
Balance at end ofyear 20,039 3,245 7,103 30,387 41,139
Balance at end ofyear:
Capital
Accumulated income
-
20,039
-
3,245
6,518
585
6,518
23,868
6,055
35,084
20,039 3,245 7,103 30,387 41,139
Representing:
Fellowship Funds
Scholarship Funds
Prize Funds
- 688
796
123
2,533
303
825
3,221
1,099
948
2,992
970
88
Burxary/Hardship Funds
Travel Grant Funds
- 579
218
-
13
579
231
1,385
198
Graduate Funds - 428 836 1,264 1,226
Other Funds 20,039 413 2,593 23,045 34,280
Total 20,039 3,245 7,103 30,387 41,139
18. Memorandum of unapplied total return 2022 2021
£000 £000
Included within reserves the following amounts represent the unapplied total return of the College:
Unapplied total return at the beginning of the year
Unapplied total return for the year (see note 3a)
48,389
1,764
40,036
8,353
Unapplied total return at end ofyear S0,153 48,389
19. Capital commitments 2021 2020
£000 £000
Capital commitmentscontracted for at 30th June 177 15,903

Term dependent rates in line with the difference between
the Fixed Interest and Index Linked yield curves less:
CPI assumption
1.1% p.a. to 2030, reducing linearly by 0.1% p.a. to a long-
term difference of 0.1%
p.s. from 2040
Pension increases (subject to a floor of 0%) CPI assumption plus 0.05%
.
Discount rate (forward rates)
Fixed interest gilt yield curve plus: Pre-retirement: 2.78% p.a.
Post retirement: 1.00% p.a.
carried out as part of the 2020 actuarial valuation . The mortality assumptions used in these figures are as follows:
2020 valuation
Mortality base table 101% of S2PMA “light” for males and 95% of S3PFA for females
Future improvements to mortality CMI 2019 with a smoothing parameter of 7.5, an initial
addition of 0.5% p.a.
and a long-term improvement rate of 1.8% pa for males and
1.6% pa for females
2022 2021
Males currently aged 65 (years) 23.9 24.7
Females currently aged 65 (years) 25.5 26.1
Males currently aged 45 (years) 25.9 26.7
Females currently aged 45 (years) 27.3 27.9
2022 2021
Discount rate’ 3.31% 0.78%
Pensionable salary growth Year 1 4.50% 3.20%
Pensionable salary growth Year 2 5.00% 3.20%
Pensionable salary growth Year 3 to 17 3.00% 3.20%

30jane 3OJune
2022 2021
Discount rate 3.00% 1.80%
Increase in salaries 3.25% 3.10%
RPI assumption 3.45% 3.40%
CPI assumption 2 75% 2 60%
Pension increases in payment )RPI Mao 5% p.a.) 3.30% 3.30%
Pension Increases in payment )CPI Man 2.5% p.a.) 2.05% 1.85%

2022 202t
€ooo £000
Total market value of annets 8,716 10,449
Present valve of scheme liabilities 10,847) )13,737)
Net pension liabilitp (2,131) (3,2BB(
2022 2021
£000 £000
Current nervice cost 189 207
Administration evpennen 16 15
loterent on net defined benefit liability 59 61
Loss on plan changes
Total 264 262
Changes in the present value of the Scheme liabilities for the year ending 30 June 2022 v/tb comparative figures for the year ended 30 lane 2021)
areas follows-
2022 2021
£000 £000
Present value of plan liabilities at beginning of period 13,737 13,902
Current service cost 189 207
Employee contributions 6 8
Benefits paid 513) )298)
Interest on plvo liabilities 244 201
Actuariul )profitn)/losnen 2,818) )283)
Loss on plan changes
Present ualae of plan liabilities at end of period 10,647 13,737

Changes in the fair value ofthe plan assets for the year ending 30 June 2022 (with tompsrative figsres for the ye ar endisg 30 June 2021) are as follows:
2022 2021
£000 £000
Market value of plan assets at beginning of period 10,449 9,721
Contributiont paid by the College 277 274
Employee contributions 6 8
Benefits paid (513) (298)
Administration eapenses (22) (26)
Isterest on plan assets 185 140
Return on assets, less interest included in Comprehensive Income and Espenditure (1,665) 629
Marketvalae of plan asaets at end of period 9,717 10,449
Actual return on plan assets (1,491) 769
The major categories of plas assets as a percentage of total plan assets for che
ended 30 Juse 2021) are as follows:
year ending 30 June 2022 (with comparative figures for the year
2022 2021
£000 £000
Equities 52% 48%
Bonds and cash 34% 42%
Property 14% 10%
Total 100% 100%
Analysis of the remeasurement ofthe net defined benefit liability recognised in Other Comprehensive Income (O
comparative figures for the year ending 30 June 2021) areas follows:
CI) for the year ending 30 June 2022 (with
2022 2021
£000 £000
Return on assets, less interest included in Comprehensive Income and Enpenditure (1,66S) 629
Expected less actual plan expenses (6) (11)
Experience gains and losses arising on plan liabilities (943) 135
Changes in assumptions underlying the present value of plan liabilities 3,760 148
Actuarial gain/(losu) recognised in OCI (page 25) 1,144 901
ment in (deficit) during the 12 months ending 30 lune 2022 (with comparative figures for the year end ed 30 June 2021) areas follows
2022 2021
£000 £000
(Deficit) in plan at beginning of year (3,288) (4,182)
Recognised in Statement of Comprehensive Income and Expenditure
Contributions paid by the College
(264)
277
(282)
274
Actuarial guin/)loss( recognised in DCI 1,144 901
(Deficit) in plan at the end of the year (2,131) @f?)

(d) summary of pension costs
2022 2021
£000 £000
Unieersities Superannuation Scheme 636 624
Universities Superannuation Scheme - pension provision 1,354 (163)
Cambridge Colleges Federated Pension Scheme 209 212
NOW:Pension Scheme 195 179
Death in service 10 6
Totsl pension costs (note 6) 2,404 858
Reconciliation of surplus for the year to cash flows from operating activities
2022 2021
£000 £000
Surplus for the year 5,542 19,762
Adjustment for non-cash items:
Depreciation (note 8) 2,236 2,215
(Gain) on endomments, donations and investment property )3,g36( (12,717)
(Increase) in stocks 32 (1)
(Increase) is trade and other receivables 5,136 (5,231)
(lncrease)/decrease in short-term investments s,6gs (6,004)
lncrease/)decrease) in creditors 1,942 420
Pension costs less contributions payable 1,341 (137)
Adjustment for investing or financing activities
Investment income
(1,755) (1,691)
Investment costs 926 754
Interest payable 475 482
Endowment funds invested
Gift of heritage asset
(1,170) (397)
(go)
Total cash flows from operating activities 16,555 (2,625)
. cash flows from isvesting activities
2022 2021
£000 £000
Non-current investment disposal 3,529 3,425
Investment income 181 156
Endommeet funds invested 1,170 397
Payments made to acquire non-current assets (21,155) (3,779)
Total cash flows from investing activities (16,275)
. cash flows from financing activities
2022 2021
£000 £000
Interest paid
Repayments of amounts borromed
(475)
(127)
(482)
(119)
Total cash flows from financing activities (602) (601)

ysis of cash asd cash equivalents
At beginning of
year Cashflows At end ofyear
£000 £000 £000
Bank overdrafts (7,889( 2,614 (5,275)
Cash at bank and in hand 2,937 (2,937) 0
Net Funds (page 28) (4,952) (323) (5,275)

lsne 2022 the College had commitments under non-cancellable operating leases as follows
2022 2021
£000 £000
and buildings:
Expiring within one year 301 301
Evpiring between two and five years 151 452
Expiring in over five years - -

nciliation and analysis of net debt
New finance Other non-cash
At 1 July Cashflows leases changes At 30 June
2021 2022
£000 £000 £001 £000 £000
Cash and cash equivalents 2,937 293?i - -
Borrowings:
Amounts falling due within one year:
Bank overdraft (7,889) 2,614 (5,275)
Unsecured loans (127) (8) - - (135)
(8,016) 2,606 - - (5,410)
Borrowings:
Amounts falling due after more than one year:
Unsecured loans (14,203) 135 - - (14,068)
(14203) 135 - - (14,068)
Total net debt (19,282) (196) - - (19,478)

ncial instruments
2022 2021
£000 £000
Financial assets
Financial assets atfair value through StatementofComprehensive income
Listed equity investments (note 9) 61,364 62,540
Other investments (note 9( 13,908 10,403
F,nonc,al assets that ore debt instruments measured at amortised cast
Other investments (note 91 763 791
Cash anu cash equivalents (note 9, 12, 131
Other debtors (note 11)
23,322
267
13,966
326
Financial liabilities
Financiol liabilities measuredat amortised cost
Bank overdraft (vote 14a( 5,275 7,889
Loans (notes 14a, 14b( 14,203 14,330
Trade creditors (note 14a( 527 363
Other creditors (notes 14a, 14b( 1,394 1,379

2022 2021
£000 £000
763 791
ummarised in the table below:
From To 2022 Number 2021 Number
£0 £10,000 44 44
£10,001 £20,000 9 12
£20,001 £30,000 4 6
£30,001 £40,000 2 0
£40,001 £50,000 0 0
£50,001 £60,000 2 5
£60,001 £70,000 5 2
£70,001 £80,000 2
£80,001 £90,000 2
£90,001 £100,000 2
£100,001 £110,000 1 0
£110,001 £120,000 0
£120,001 £130,000
Total 72 76