REGISTERED CHARITY NUMBER: 1144047
REPORT OF THE TRUSTEES AND
FINANCIALSTATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
FOR
ST JOHNS CHURCH, UPPER NORWOOD
Hartley Fowler LLP
Chartered Accountants
4th Floor Tuitlon House
27-37 st George's Road
Wimbledon
London
SW19 4EU

ST JOHNS CHURCH, UPPER NORWOOD
CONTENTS OF THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
Page
Report of the Trustees
i to io
Independent Examiner's Report
li
Statement of Finartclal Artivities
12
Balance Sheet
13
Cash Flow Ststement
14
Notes to the Cash Flow Statement
15
Notes to the Financial Statements
16 to 23

ST JOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
Trustees Annual Report and Related matter5 for 2024. Charity number.. 1144047
St John's Upper Norwood is a thriving Parish Church withln the Diocese of Southwark in the Church of England. Located in the
archdeaconry of Croydon; we strive to provide a worshipping and community focused Christian presence serving the North of the
Borough in a parish of 8542 people (2021 ￿nSu5). We are marked highly on the soclal deprivation index with a significant
proportion of lone parent families and single person dwellings in the Parish.
We ￿maIn solidly within the modern liberal Catholic tradltlon in the Church of England and are a part of the Inclusive Church
movement.
Our church building completed in 1887 is a prime example of the work of the eminent Victorian Ecclesiastical architert J L Pearson
and Is listed 2* by English Heritsge and designated a parlsh of distinttion and a Najor church by the Church of England. The
church provides both an inspirational setting for worship, concert5 and missional outreach.
OBJECTIVES AND AcfivITIES
Objectlves and activities
These are challenging times for the Church of England living as we are in an increasingly post Christian age and facing the fallout
from the Covid epSdemlc and the various safe guarding issues which have arisen in recent years In areas of church life.
The Parochial Council has set two overriding strategic aims
Firstly, to sustain and grow an inclusive caring and Ou￿ard looking Christian community in Upper Norwo¢)J
Secondly to responsibly look after our listed 19th Century church building with the aim to secure its long term future
Significant actlvlties
The Christian community at St Johns.
st John's grew out of the Anglo catholic traditlon in the Church of England and the PCC is committed to maintaining a tradition of
worship enhanced by catholic liturgy and excellence In music. To that end the PCC will continue to resource worship and music
appropriately and is hopeful to be able to launch a children'5 music projert in 2025.
Over the past decade the membership numbers at St John's at around 125 on the electoral role have been 5UStained and there
are recent signs of growth particulady amongst young families. The pattern of attendance at serVi￿S and events now largely
reflects the makeup of the population in the parish.
The strategic importance of the Children and Young Peoples Programme
The CYP programme inltiated in 2023 is of major strategic importance, Through the creative use of social media and Imaginative
planning events run under the CYP have attracted increasingly large numbers of attendees from amongst local famllies. The
success of this work was recognlsed by the Church of England in late 2024 ènd resour￿5 are being provided from central funds
to sustain and develop the programme. This is an exciting and once in a lifetime opportunlty to grow the Christian community in
Upper Norw(K)d and progress and the learnt experien￿ is being closely monitored locally and by the national church.
There are three elements to the funding.
Capital funds to improve facllities within the church
A5SiStance with the costs of programmed events
Appolntment of a site facilities manager and part-time communications offI￿r
Good Governance
Llnked to the CYP programme and a more extensive programme of arts and c(>mmunity events attendances at major seNices and
organised events has increased dramatically in the last ￿0 yeèrs. This change highlighted the need to review the appropriateness
of policies and proTrdures particularly those related to health and safety. A review was carrled out in 2024 and new policies are
being adopted- and the Site supeNisor will oversee all rlsk management and health and safety complIan￿ work as a result of that
review.

STJOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
OBJEcfIvES AND AcfivITIES
Developing St John's Community outreach activities
A number of projects are now run from St John's on a weekly basis, these include the Hive,(average attendan￿ 25) a lunch club
for people with mental health issues, a Refugees Cafe for asylum seekers, (50-60 attendees and an open access foodbank).
Reflerting the absence of civil society In the parish The PCC has a strategic vlsion to create a community hub bèsed on the parish
hall and the gradual programme of improvements to the hall will be designed to help deliver th55 vision.
The listed 2* bulldlng at risk.
The last Qulnquennial inspertion highlighted once again a backlog of outstanding maintenance issues, such the need to repalr
and restore brick and stone work which at a conseNatlve estimate would cost in ex￿55 of £5,000,000 to rectify. In the medium
term a restoration project on this scale Is beyond the capacity of the PCC to finance. However, the PCC takes its responsibilities as
steward of the building and its assets seriously and will continue to priortuse smaller scale Maintenan￿ projects Identified as
requiring urgent attention on health and safety or environmental health grounds. As hitherto funding for such projects will be
found from a mixture of sources namely use of PCC reserve5, applicatlons to English Heritage and grant giving trusts and specific
appeals. The PCC can anticipate from past experien￿ special Maintenan￿ issues, some unanticipated will arise each year. Recent
examples have included urgent repairs to the southwest transept window5 and vaulting and repalrs to north transept rose
window, upgrade of the kitchen in the parf5h hall to meet environmental health hygiene standards.
Regular and routlne Maintenan￿ must remaSn a financial and organlsational priority if the bulldlng is not to deteriorate further.
The appointment of a Site Manager under the aegis of the CYP programme in late 2024 should ensure a quotative improvement
in the management of facilities across the site.
Stewardship of our inheritance of furnishing and fittings
The church furniture and fittings we have inherited include a Items which justify careful restoration and refurbishment. Over
recent years a number of restoration projects have been undertaken, for Instan￿ the restoration of the triptych in the Lady
Chapel and further projects have been identlfled as a priorlty going fomard, the cleaning and restoration of the stone pulpit and
the restoration of a Blessed Sacrament banner by Sir Ninian Comper. Th￿e projerts, a5 previouslyi W(11 be funded through fund
raising appeals, contributions from legacles and personal benefartors.
Steps to encourage greater public acce55 and awareness of the listed church bulldlng and the work necessary to
bring facilities up to modern standards
Whi15t recognSsing St John'5 IS an inspirational setting for liturgical worship and wanting to encourage the performance of music
and arts events by both professional and amateur groups ￿rtain facilities do not come up to 21st standards. The growing use of
the church by outside organisation5 now provides an important income stream but the scope to increase outside usage of the
church is limited by inadequate facilitles and equipment. Some of these issues have been addressed recently for Instance the
Installation of air cijrtains at the main entrances, the upgrade of the parish hall kitchen, improvement to the lighting in the
church. Further serious investment is required and in the Smmediate term the development and financing of a scheme to increase
the number of toilets is a priority for 2025.
The CYP programme has brought with it the bonus of a significant capital investment whlch in 2025 wlll enable the replacement
of the church chairs to a type easily moved and stacked, a significant upgrade of the sound system In the church and the
provislon of a new beverage servery in the church. These schemes are an example of work to bring the church site facilities up to
modern standards
Public benefit
When planning our actNlties ft)r the year, we have considered the Commission's guidance on publlc benefit and, in particular, the
supplementary guidan￿ on chèrities for the advancement of religion. In particular we try to enable ordinary people to live out
their faith as part of our parish communSty through..
o Worship and prayer, learnlng about the Gospel and developing theSr knowledge and trust in Jesus.
o Provision of pastoral care for people living the parish.
o Missionary and outreach work.
Volunteers
strategically all we are seeking to do requires the commitment, energy and enthusiasm of volunteers from within and without the
congregation and there is an important strategic priority to make sure our vOlunt￿r Workfor￿ is well managed and appropriately
5UPPOrted with good induction, communications and trainlng.

ST JOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
OBJECTIVES AND AcfIviTIES
Safeguarding
we have adhere to the Diocese of Southwark Safe Church Poliry. We have Iwo Parish Safeguarding Officers
who lialse with the Diocesan Safeguarding Team where appropriate. And, where appropriate all staff and volunteers have DBS
checks.
CYP programme This is a five year programme looking at the 5UPPOrt of 0-18year olds and their families. There is a wlde
range of opwrtunitles we offer to seNe this group. PlayTime, Messy Church, Youth Group, Me55y Meals, Hilfield Youth Camp,
Pentecost Cam p, Ballet trip to ENO.
Community we will continue to support the community in belng open every day and welcoming. We host the HIVE weeklyi
the F(K)d Pantry, The Refugee Cafe, the Meadow project, the Volunteer Choir, school vi51ts and COn￿rtS. The Hall and Church is
a local resour￿ for partles and community gatherings.
ACHIEVEMENT AND PERFORMANCE
Charitable activities
Associate Vicar appolntment
In 2024 we were fortunate to secure a permanent Associate Vicar for the Parish to a551St with every aspect of our busy parish Ilfe.
The post Is housed at the financial discretion of the DIoc￿e of Southwark in a property one street away from 5t John's. The
present holder of thls Post has a vocation especially focussing on Children and young people ICYP) and thelr famllie5.
Sustained electoral roll numbers despite deaths and people moving away.
In a tran51ent part of south London, people moving in and out of this community Ss quite a common feature. Also, with an
ever-aging population and congregatlon, 111 health leading to care facility housing and death are a realistlc tran5itlon for quite
few. Despite this, we have managed to grow the congregation and renew membership amongst younger family groups which in
turn renew and resour￿ an ever-growing community of faith. Attendan￿ at our main Sunday now averages 100 and
attendances at major fesllvals of the Christian year Christmas and Easter has grown considerably. Over 1000 children and families
attending the crib seNices on Christmas Eve 2024 Is an example.
CYP recognition of the effertiveness of the CYP programme by the CofE with their commitment to support the
work financially over the next five years.
In 2024 St John's was awarded financial support in recognitlon of Its work amongst the CYP locality. A weekly faith based
playtime for 0-5-year olds and their parents/ carers regularly attrarts 150 toddlers and an equal number and more of parents and
carers. Messy Church which started in late 2024 attracts on average 450 people to St John's. The programme for the coming 5
years is to embed these initiatives into a stepping stone trajectory which looks towards growing the church, making disciples and
finding ways of supporting other churches in their mission to the c(>mmunlties In which they are set.
Growlng engagement with the needs and priorities of the local communlty, managed to sustain and increase our
programme of communlty outreach projects
St John's wide team of support means we have people constantly looking for areas in which we can support our local community.
A good example recently of this is the Refugee Café which has re￿ntlY been establlshed. A150 the Swap Shop to support young
families in sharing used or new clothes. We are keen to support our local surgery and have in the p85t been Involved in social
prescribing projects which have walned, but we Still have a social drop in free lunch and voluntary singing projert whlch attract
people who struggle with relationships and with isolation amongst the local community. The Congregation and PCC remain very
generous in supporknng outreach into the local community and social media campaigns are successftjl in helplng resource projects
with volunteers and items. In 2024 we established a food pantry at the West end of the church in order to help locals in f¢x)d
povety. This is an ever-emerging facility wlthln St John's and SUPPOTts the giving of foodbank vouchers and low level support in
food donations.
Successful completion of the organ projert and urgent repairs to rose window
In 2024 we saw the successful restoration, dean, repair and enlargement of the famous TC Lewis organ. We also took the
opportunity to clean and do some minor repairs to the Comper Rose window last restored in the post war restoration of the
Church. Throughout 2024 other minor repairs have been managed on what is an extensive list for thi$ 2*llsted buildlng. Light
fittings have b*n replaced with LED lights and routine repairs have COn￿nUe￿ in order to keep the building safe and able to be
used In Such a wide range of activities.

ST JOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
ECO church
Over recent years we have engaged a member of the Congregation {Sara Spillett} to oversee the successful application of our
Bronze Eco Church award. We are currently working towards our Silver Award. We manage and use the grounds of the
Meadow (adjacent) to the church to help teach local children and adults how to grow produce. We also use it as a facility for
teaching and support Duke of Edinburgh awards. We have Green Energy tariffs for Church and the Hall and have just intrOdU￿d
a more efficient system by which we significantly reduce our energy consumption when the building 15 not being occupied.
Progress in gradual programme to improve facilities in the parish room
In 2024 the Kitchen wa5 enlarged and upgraded which allows us greater flexlbllSty for use and hiring the Hall and parish moms.
It allowed for us to establish a monthly after Mass lunch at which regulady between 70 and 100 people have b￿n sharing in
lunch and conversation. There Is a plan of continued improvements intended for the outlying rooms and hall faci1Sties which will
modernlse and make them more ac￿Ssible and appealing as income generation streams for the PCC.
Continued growth In the use of church for concerts and commercial recordings
st John's is committed to live music and in 2024 we have continued to maximise the church facility as a concert venue and
recordlng facility. We have welcomed musicians from all over the world and local mu51cians also to perform before c.100 + at
concerts. We have been profiled by dassical music magazines as a good and viable venue, We keep Con￿￿5 free wherever
possible and have an ongoing relationship wlth the London Mozart Players who do a season of 6 concerts annually for the local
community, some of which are free of charge especlally to those experiencing live music for the first time.
FINANCIAL REVIEW
Financial position
Two factors (l} a significant increase in activities taking place under the auspi￿5 of the PCC and (2) the cost of living crisis have
Imparted on the annual day to day running costs of the parish,. excluding èny urgent unscheduled the repair costs the annual
budget has risen from around £IOO,000 In 2010 to a forecast £300,000 in 2025.
Income from all sources in 2024 at £716,697 (2023 £274,602) was Inflated by £435,000 through the receipt of hvo unrestricted
legacles bequeathed by former members of St Johns. Expenditures in 2024 6t £357,992 (2023 £309,073) were however well
above nomial wlth the completlon of the organ projett and the costs of three or four malntenance projects In the church to be
paid for Whilst intending to invest any surplus legary monies to create a new prolerted income stream the PCC determined to
spend part of the 2024 legacy monies to meet an shortfall In the organ projert.
The surplus in the year wa5 £360,629 (2023 Deficit £38,395) increasing the charities net assets from £440,435 (2023} to
£801,064.
Our financial planning needs in particular to take account of:
The high day to day costs of running a heritsge building the size of a small cathedral at a time of high inflation. The impart of
inflation is shown in the substantial increase in utillty costs In excess of £40,000 in 2024 despite careful management.
Church building at risk.
Given the age and physical state of the church building experien￿ shows there is an ever-present risk of unanticipated structural
and maintenance problems occuring which if not addressed would limit the safe use of the buildings. Priority has to be given to
resolvlng any problems which pose health and safety or environmental health risks. In order to manage these risks and to secure
a high standard of p￿ven￿tIVe MaIntenan￿ an increasingly large routine Maintenan￿ budget. £28,700 In 2024 is required and
in addition an extra buildings contingency of around £30,000 Is built into the budget
Community Outreach projects
As described above the PCC is committed to sustainlng a diverse programme of community focused projects.. Largely supported
by donations and volunteer helpers around £10,000 per year now needs to be raised to cover their running costs.
Excluding the completion of the major proJert to restore and extend the Lewis Organ in 2024 the day to day costs of St John's in
2024 amounted to £285,548. A budget of £308,000 has been set for 2025.

STJOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
Diversification of sources of funding
Annual running costs are now met through diverse sources of funding over and above donations and traditional fund raising by
members of the congregation.
Commltted giving (£50,000 in 2024) These are funds committed by members of the congregation through Standing orde￿, the
Freewill Envelope scheme and the recently introduced churchwide parish giving scheme. The PGS includes an automatic annual
inflation uplift. The level of committed giving has not increased in recent years and there is a need to increase the number of
committed glver5 followlng the death5 of a small number (4-5) of very generous long-standing supporters.
Collections and donations (£17,000 in 2024) largely cash collections taken at services and individual donations to support the
day to day running of the church.
Contactless and electronic glving (£43,000 in 2024.} An increasingly important Sour￿ of fund5 these are payments made
using the contactless Machin￿ in church at services or events and through website appeals. The use of contartless machlne5
incorporating UpToDate glft aid so ftware is anticipated to increase the level of gift aid recovered from this source.
Income from actlvltles (£95,000 in 2024) now h very significant sour￿ of Income each year amounting to around 30010 of
turnover Th￿e funds are a mixture of rental income from organisations renting the church hèll notably the London Mozart
Players and the 8and of the Royal British Legion and from extensive hiring of the church for recordings, concerts and other public
and private events. A programme to continually improve the facilities on offer is designed to sustain and grow this income stream
CYP programme It is anticipated the Children and Young People Programme supported by the Church of England will contribute
at least £25, 000 in the form of grants towards the costs of these
Other sources of fundlng amounting to £91,000 in 2024 includlng Gift Ald recovery £16,000 Investment Income £13,000,
statutory fees and vat recovered under the Listed Places of worship scheme
Grants Appllcations to grant giving Trusts for 5pecqfic projects
Budget for 2025
Based on the outturll for the 2024 financial year the PCC has set the following income targets for 2025
Donationslcollertions
Committed giving
C(>ntadess donations
Special appeals
Income from attivities
other income (gift aid, fees investments LPOW)
CYP programme
Grant appllcatlon5
Special project appea15
£11,500
£60,000
£40,000
£5,000
£95,000
£45,000
£25,000
£20,000
£5,000

ST JOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
FINANCEAL REVIEW
Funds
Day to day expenditures are managed through bank accounts. a general account and the St John's Music Trust account. This
second account Is used to hold funds ear marked for special projetts in year. Accessible funds are also held in two further
accounts.
The CBF Development Fund standing at £63,755 at the end of 2024 This account Is where the general reserves are held. A
significant proportion of these funds wa5 a￿SSed in 2024 to pay for the urgent works to repair the north transept window and to
partially meet a shortfall In the fund ralslng for the organ restoration projett. The intention in 2025 will be to rebuild this ftjnd
towards the Reserves Policy target of a £60,000 to £70,000 re5erve5,
Bath Building Society Account. standing at £116,000 at December 2024. This account is ear marked to pay for a proportion of the
costs of the organ project completed in 2024.
Investments valued at 31st December are held in trust by the Southwark Diocese Board of Finan￿.
The PCC also receives regular grants from income generated by the Lambourne Trust. This trust is held by the South Diocese
Board of Finan￿ and jointly managed by the Vicar of St Johns and the Diocese.
Legacies
St John's received unrestricted legacies worth £435,000 in 2024. Jt 15 Intended to invest part of of these funds into a new
unrestritted fund designed to balance capital growth and a regular income stream through an appropriate ethical investment
vehicle. The PCC decided in 2024 to use the remainder of these funds to offset a shortfall In the fund raislng ft)r the organ
projett.
Expenditure plan for 2025
The following table sets out the Expendlture plan agreed by the PCC in January 2025.
Parish Management
Administration
H05Pltality
CYP dirert costs
Missions and Outreach
Facilities
£81,700
£25,000
£9,000
£20,000
£8,000
£17,000
£45,000
£43,000
£30,000
£10,000
£20,000
Music Foundation
Building contingencylfees
Reserves
Launch of children's music projett
Total
£308,700
Investment policy and objectives
The PCC'S investment policy seeks to invest any available monies at medium level of risk In ethically managed funds designed to
achieve a balance behveen capital growth and an annual revenue stream.
Reserves policy
The PCC seeks to maintain a level of Ilquid reserves of around 250/0 of regular Sncome: £60,000-£70,000. These funds to be held
in the C8F Development Fund. In 2024 £50,000 of these funds were used to pay for urgent repairs to the rose window in the
south transept and to partially meet a shortfall in the fund raising for the oryan project. A priority in 2025 is to rebuild this general
reserve to the Re5eNe Policy target of a £60,000 to £70,000 reseNes.
Lambourne Trust
The church benefitted from £5,000 (2023 £3,500) received in the year from income accrued fmm investments held by CCLA from
a legacy re￿Ived some years ago to support the tralnlng and edUca￿on of assistant clergy at st John's. The total funds held
amounted to £246,352 at 31 December 2024 (2023 £239,268). These figures have not previously or in the current year been
reflected in the overall funds of the PCC but the basis on which these funds are held is to be reviewed for the 2025 accounts as it
is felt these may constitute a separate restrirted or endowment fund under the control of the PCC.

STJOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
FUTURE PLANS
Golng foTward the Immedlate financial challenges and opportunities would to be as follows.
De5Plte an extensive programme of remedial works costing in excess of £1,000,000 undertaken in recent years, including the
underpinning of the southside of the building, the listed church building is still classified at risk by Engllsh Heritage. The last
quinquennlal report Identified a backlog of Maintenan￿ issues which it is estimated would cost upwards of £5,000,000 to
address. This programme of works Is completely beyond the capacity of the I￿al congregation to tackle without a major extemal
funding campaign. In the short-term acting under the guidance of the quinquennlal archltett priority will continue to given to
addressing any immediate health and safely or environmental health issues which arise.
To maximise the benefits medium tem followSng the Introduction of a highly successful programme of artivities centred on
Children and Young People over the last two years which has dramatically changed all we do. The Importan￿ of this programme
was recognised by the Church nationally in 2024 and a commitment was made to flnancial support 5UStalning the programme
over a period of 5 years. The earmarked commitment to St John's 15 £1,900,000. The funds will not be transferred dlrectly to the
PCC but held and managed by the Di0￿e of Southwark.
The agr￿d plan is to reimburse the parish in three ways.. I to allow for the appointment of a site manager, communications
speciallst and other se551onal workers, 2 grants to offset some of the costs incurred in the running the artivity programme 3
capital funds to replace the church chairs, Improve kitchen facilities upgrade the sound system and elements of the parish hall.
To secure the maximum benefit from the substsntial legacy fmm the estate of è former member wlth the aptK)intment of a
speclali5t financlal advisor. The intended investment plan to be designed to balan￿ risk, capital growth and regular Income
stream. Though not restrltted the PCC Intends to de51gnate these funds for special purpose outside current running costs.
The facilities and environment in the parish hall are not fit for purpose In the 215t Century. This realistically limits the
attractiveness of the hall and to some extent the church for outside use. Whilst some upgrading is planned in 2025 if we are to
maximise income from hirings there is an urgent need to plan and secure planning consents and funding for a more extensive
upgrade to create additional toilets and storage space.
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governing document
The PCC is a body corporate (PCC Powers Measure 1956, Church Representation Rules 2011) and a registered charity.
Recruitment and appointment of new trustees
The method of appoSntment of PCC members is set out In the Church Representation Rules. At st John's the membership of the
PCC consists of the Vicar, The Reverend John Pritchard, the churchwardens, the Treasurer, Deanery Synod representatives and
members elected by those members of the congregation who are on the electoral roll of the parish.
The PCC members are respon51ble for maklng declsion5 on all matters of general concern and importance to the parish including
deciding on how the funds of the PCC are tr) be spent.
Oryanisational structure and Decision making
Working under the Church of England Governance rules the affairs of the parish are managed by an Parochial Church Councll
IPCC} The PCC is chaired by the Vlcar, consSsts of two elected lay leaders: the churchwardens, the Afjsoaate Vicar and 12
members elerted annually from amongst those on the Parlsh Elertoral Role; 2 deanery synod members, a Diocesan Syncxl
member and an ex officio secretary and treasurer. membership of the elertoral roll stood at 125,
In 2024 the PCC met formally on 5 occaslons and the day to day management of the parish was delegated by the PCC to the
Vicar and Churchwardens who worked to an income and expenditure plan agreed by the PCC at the start of 2024.
The Standlng financial instructions set out the rules governing the authorisalion of unbudgeted expenditure and leve15 of
delegated financial authority and rule5 governing tendering. Unbudgeted expenditure in eX￿sS of £500 must be approved by the
PCC. Alterations to the church fabric and fittings are all subject to the Church of England Faculty regulations organised locally by
the DI0￿Se of Southwark Diocesan Advisory Committ￿.
Induction and tralnlng of new trustees
New members receive initial training into the workings of the PCC.

STJOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
STRUCTURE, GOVERNANCE AND MANAGEMENT
Key management remuneration
All current members of the PCC are trustees and give their tlme freely and no trustee remuneratlon was pald In the year, The
vicar is also a trustee and is funded centrally by the Church of England and not directly by the charity. One of the churchwardens
is employed as the site supervisor. He is employed and paid by the Di0Trse and not the PCC.
Rlsk management
The trustees have a duty to identify and review the risks to which the Parochial Church Council (PCC) is exposed and to ensure
appropriate controls are in pla￿ to Safeguard the assets and to provide reasonable assuran￿ against fraud and error.
Identlfied Rlsk
Level of Rlsk
Steps to ameliorate the risk
Structural andlor environmental
problems which limit Use of the
buildings
Moderate
High quality of day to day maintenance.
Commitment to addre55 known high
risk problems.
Problems in safety managing the
bullding arising from the attendance
of large numbers at advertised
events.
Risk assessments for each event
2024125 revlew and update of key
policies linked to investments in
improved training and equipment
linked to Health and Safety, first aid
and food handling.
Loss of key staff and volunteers
Moderate
Uptodate HR policies, access to HR
advice from Diocese Efforts to
encourage and welcome new
volunteers.
Risk of collateral reputational
damage as a result of $8feguardSng
Issues.
Low
Full engagement with Church of
England safeguardlng policles and
good prartice. EXperien￿d
safeguarding officers and extensive
training.
REFERENCE AND ADMINISTRATIVE DETAILS
Registered Charity number
1144047
Principal address
2 Sylvan Road
Upper Norwood
London
SE19 2RX

ST JOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
Trustees
Wllllam Bagshaw
Andrew Barrett
Ruth Blakeborough
Nicholas Bucknall
Rebetca Hall
Sarah Ikediashi
Aminatta Lisk
Revd John Pritchard
Revd Rachael Gledhill
Terence Roberts
Michael Robertson
Ola Sawyerr
John Stephens
Margaret stephens
Kathleen Wheble
Jermaine Weeke5
Damon Brash
Emily Owen
Claudia Noel
Robert Barber
JulSa Desbrusl81s MBE
Suzette Diaz-mitchell
Charles Godstein-oliver
Frances Wimpress
Alice Wood
Francoise Zaire
Camilla Bucknall
Until 12th June 2024
Until 12th June 2024
Until 12th June 2024
Until 12th June 2024
(honorary treasurer)
Until 12th June 2024
Until 12th June 2024
Deanery Synod member
Deanery Synod member & PCC Secretary
Elected Churchwarden May 2024
Resigned 24th June 2024
Deanery Synod member
Elected wlth effert from 12th June 2024
Elected with effect from 12th June 2024
Elected with effect from 12th June 2024
Eletted with effect from 12th June 2024
Elected with effect from 12th June 2024
Elected with effert from 12th June , resigned 24th June 2024
Di￿San Synod Member
Independent Examlner
Jonathan Askew
Hartley Fowler LLP
Chartered Accountants
4th Floor Tuitlon House
27-37 St George's Road
Wimbledon
London
SW19 4EU
Bankers
Barclays Bank UK PIC
West Nonwood
Lei￿ster LE87 2BB
Bath Building Society
15 Queen Square
Bath BAI 2HN
Investment Managers
CCLA Investment Management Limited
One Angel Lène
London EC4R 3AB
TRUSTE ES. RESPONSIBILrrY STATEMENT
The trustees are responsible for preparing the Report of the Trustees and the flnanclal Statements In accordance with appllcable
law and United Kingdom Accounting Standards {United Kingdom Generally Accepted Accounting Prartice).

STJOHNS CHURCH, UPPER NORWOOD
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2024
TRUSTEES, RESPONSIBILITY STATEMENT- continued
The law applicable to charities in England and Wale5, the Charitie5 Act 2011, Charlty (Accounts and Reports) Regulations 2008
and the provlsSons of the trust deed requires the trustees to prepare financlal ststements for each flnancial year which glve a true
and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the
income and expenditure, of the charity for that period. In preparing those financial statements, the trustees are required to
selert suStable accounting policies and then apply them consistentlyi
observe the methcyjs and principles in the Charity SORP.
make judgements and estimates that are reasonable and prudent,.
state whether applicable accounting standards have been followed, subjert to any material departures d15c105ed and explalned
In the financlal statements.
prepare the financial statements on the going con￿rn basis unless it is inappropriate to presume that the charity will continue
in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the
financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011,
the Charity (Accounts and Reports) Regulations 2008 and the provision5 of the trust deed. They are also responsible for
safeguarding the assets of the charlty and hence for taklng reasonable steps for the prevention and detection of fraud and other
Irregularitle5.
Approved by order of the board of trustees on 13 April 2025 and signed on its behalf by..
J Weekes - Trustee
-io-

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF
ST JOHNS CHURCH, UPPER NORWOOD
Independent examiner's report to the trustees of St Johns Church, Upper Norwood
I report to the charity trustees on my examination of the account5 of St John5 Church, Upper Nonvood (the Trust) for the year
ended 31 December 2024.
Responsibilities and basis of report
As the charity trustees of the Trust you are responsible for the preparatlon of the accounts In accordan￿ with the requirements
of the Charities Art 20111'the Act,).
I rewrt In respett of my examlnatlon of the TrusV5 accounts carried out under Section 145 of the Act and in carrying out my
examination I have followed all applicable Dirertions given by the Charity Commisslon under Settion 145(5)(b) of the Act.
Independent examiner's statement
SSnce your tharity's gr055 Income exceeded £250,000 your examiner must be a member of a listed body. I can confirm that I am
qualified to undertake the examination becau* I am a member of the Institute of Chartered Accountants in England and Wales,
which is one of the listed bodies.
I have completed my examination. I confirm that no material matters have come to my attention in connettion with the
examination giving me cause to believe that in any material respert:
accounting records were not kept in respett of the Trust as required by Sertion 130 of the Art; or
the accounts do not accord wlth those records,. or
the accounts do not comply with the applicable requlrements Con￿rning 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 fair
view which is not a matter considered as part of an independent examination.
I have no concerns and have come across no other matters In connertion 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.
Jonath
Askew
Hartley Fowler LLP
Chartered Accountants
4th Floor Tuition House
27-37 St George's Road
Wimbledon
London
SW19 4EU
15 April 2025
-li-

STJOHNS CHURCH, UPPER NORWOOD
STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 DECEMBER 2024
2024
Total
funds
2023
Total
funds
Unrestricted
funds
Restricted
funds
Notes
INCOME AND ENDOWMENTS FROM
Don￿￿on$ and legacies
641,516
641,516
192,764
Charitable activities
Ministry
6,558
6,558
6,066
Other charitable attivities
Investment income
55,413
13,210
55,413
13,210
63,155
12,617
Total
716,697
716,697
274,602
EXPENDITURE ON
Ra151ng funds
5,967
5,967
5,708
Charitable activities
Ministry
Church running costs
Music
Restoration and improvements
233,552
79,908
37,870
695
234,247
79,908
37,870
146,268
68,694
27,992
60,411
Total
357,297
695
357,992
309,073
Net gains/(losses) on investments
1,924
1,924
{3,924)
NET INCOMEI(EXPENDITURE)
361,324
(695)
360,629
(38,395}
RECONCILIATION OF FUNDS
Total funds brought fonmard
405,429
35,006
440,435
478,830
TOTAL FUNDS CARRIED FORWARD
766,753
34,311
801,064
440,435
The notes form part of these financial statements
-12-

STJOHNS CHURCH, UPPER NORWOOD
BALANCE SHEET
31 DECEMBER 2024
2024
Total
funds
2023
Total
funds
Unrestritted
funds
Restricted
funds
Notes
FIXED ASSETS
Tangible assets
Heritage assets
Investments
12
13
14
338,875
33,488
80,590
338,875
33,488
80,590
113,724
33,488
78,666
452,953
452,953
225,878
CURRENT ASSETS
Stttks
Debtors
Cash at bank and in hand
15
16
1,000
75,808
248,808
1,000
75,808
283,119
1,000
11,370
205,211
34,311
325,616
34,311
359,927
217,581
CREDITORS
Amounts falling due within one year
17
(11,816)
(11,816)
(3,024)
NET CURRENT ASSETS
313,800
34,311
348,111
214,557
TOTAL ASSETS LESS CURRENT LIABILITIES
766,753
34,311
801,064
440,435
NET ASSETS
766,753
34,311
801,064
440,435
FUNDS
Unresthtted funds
Restricted funds
18
766,753
34,311
405,429
35,006
TOTAL FUNDS
801,064
440,435
The financial statements were approved by the Board of Tru5tee5 and authorised for issue on 13 April 2025 and were signed on
its behalf by..
J Weekes - Twstee
The note5 fortn part of these financial statements
-13-

ST JOHNS CHURCH, UPPER NORWOOD
CASH FLOW STATEMENT
FOR THE YEAR ENDED 31 DECEMBER 2024
2024
2023
Note5
Cash flows from operating a¢tlvitle$
Cash generated from operations
309,935
(64,287)
Net cash provided by/(used In) operating acknvities
309,935
(64,287)
Cash flows from investing activities
Purchase of tangible fixed assets
Interest received
Dividends received
(245,237)
7,042
6,168
4,892
7,725
Net cash (used in)/provided by investing attivities
(232,027)
12,617
Change in cash and cash equivalents in
the reportlng period
Cash and cash equivalents at the
beginning of the reporting period
77,908
(51,670)
205,211
256,881
Cash and cash equivalents at the end of
the reportlng period
283,119
205,211
The note5 form part of these financbal 5tstements
-14-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE CASH FLOW STATEMENT
FOR THE YEAR ENDED 31 DECEMBER 2024
RECONCILIATION OF NET INCOMEI(EXPENDITURE) TO NET CASH FLOW FROM OPERATING ACTIVITIES
2024
2023
Net incomel(expendlture) for the reporting period (as per the
statement of Financial Activities)
Adjustments for:
Depreclatlon charge5
(Gain)Ilosses on investments
Interest re￿iVed
Dividends received
Increase in debtors
Increase/(decrease) in credltor5
360,629
(38,395)
20,086
(1,924)
(7,042)
(6,168)
(64,438)
8,792
7,522
3,924
(4,892)
(7,725)
(11,370)
(13,351)
Net cash provided byl(used in) operatlons
309,935
(64,287)
ANALYSIS OF CHANGES IN NET FUNDS
At 111124
Cash flow
At 31112124
Net cash
Cash at bank and in hand
205,211
77,908
283,119
205,211
77,908
283,119
Total
205,211
77,908
283,119
The notes form part of these financial statements
-15-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
ACCOUNTING POLICIES
Basis of preparation of the financial statements
The financial statements of the charity, which is a public beneffit entity under FRS 102, have been prepared under the
Church Accounting Regulations 2006, in accordance with applicable accounting standards (FRS 102) and the current
(2015) Statement of Recommended Prattl￿, Accounting and Repoiting by Charities {FRS 102) and also in accordan
with the Charitles Art 2011.
Accounting convention
The financial statements have been prepared under the hi5torlcal c05t convention, as modified by the revaluation of
rtain assets such a5 Investments which are carried at market value,
Incoming resources
All income is recognised in the Statement of Flnanclal Activities once the charity has entidement to the funds, it is
probable that the Income will be re￿iVed and the amount can be measured rellably.
Resources expended
Llablllties are recognised as expenditure as soon as there Is a legal or constructive obligation committing the charity to
that expendlture, it Is probable that settlement will be required and the amount of the obligation can be measured reliably
Expenditure is accounted for on an accruals basls and has been classified under headings that aggregate all costs related
to the category. Where costs cannot be dirertly aitrSbuted to particular headings they have been allocated to activities on
a basls con51stent wlth the use of reSoUr￿s.
Tangible fixed assets
Consecrated Land and Buildings
Consecrated lond and buildlng5 are not included in the accounts of the PCC in accordance with s.1012)(a) and (c) of the
Charities Act 2011 as these are vested In the incumbent.
Parish Hall
The parish hall was valued in 1998 by Messrs Stuart Edwards Fullermoon (Chartered Sutveyors) at £115,000 of which
£20,000 was attributed to the land. The Trust￿ decided that the portion of the valuation attributable to the buildings
and any subsequent improvements thereto would be depreciated based upon a 30 year life.
Other Fixed Assets
Other fixed assets are capitalised where their cost exceeds £1,000 are depreciated over their estimated useful life on a
straight line basis. Liturgical Furnishings are to be depreciated over an estimated life of 20 years.
Heritage assets
Heritage assets are tangible assets with historical or artistic qualities that are held and maintained principally for thelr
contribution to knowledge and culture. Such assets are recorded at cost where this can be Identified and are not
depreciated.
Stocks
Stocks are valued at the lower of cost and net realisable value, after making due allowance for obsolete and slow moving
items.
Taxation
The charity is exempt from tax on Its charitable activities.
Fund accounting
Unrestrlrted funds are income funds which are to be spent on the PCC'S general purposes and can be used in accordan
with the charitable objective5 at the discretion of the trustees. Restricted funds can only be used for particular restritted
purpose within the objerts of the charity. Restrirtions arise when specified by the donor or when funds are raised for
partlcular restrirted purposes. Further explanation of the nature and purpose of each fund is included in the notes to the
financial statements
-16-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
DONATIONS AND LEGACIES
2024
2023
Legacles
Grants
Collections and planned giving
tk)nations for speafic purpose
Oonations for Music/Choir
Gift Aid recovered on donations
Listed places of Wrship scheme income
435,357
2,250
93,503
39,053
11,054
16,013
44,286
35,987
44,958
91,146
16,328
4,345
641,516
192,764
Grants received, included in the above, are as follows:
2024
2023
Grants Other
2,250
35,987
OTHER CHARITABLE AcfIviTIES
2024
2023
Fundraislng and event income
Income from hire of church and other building5
1,279
54,134
5,242
57,913
55,413
63,155
INVESTMENT INCOME
2024
2023
Dividends recelved
Deposit account interest
6,168
7,042
7,725
4,892
13,210
12,617
INCOME FROM CHARITABLE AcfIviTIES
2024
2023
Activity
MSnistry
Weddings and funerals
6,558
6,066
-17-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
RAISING FUNDS
Raising donations and legacles
2024
2023
Fundraising and event C05tS
5,967
5,708
CHARITABLE AcfIviTIES COSTS
Support
costs (see
note 8)
Dirert
Costs
Totals
Ministy
Church running costs
Muslc
230,653
79,908
37,870
3,594
234,247
79,908
37,870
348,431
3,594
352,025
SUPPORT COSTS
Governance
costs
Mlni5try
3,594
Governance costs included within support costs Include..
2024
2023
Independent examinels fee (excluding VAT)
Independent examiner's fee for non-independent exam work
(including VAT and prior year underprovisions)
1,500
2,094
1,400
1,120
3,594
2,520
TRUSTEES, REMUNERATION AND BENEFITS
There were no trustees, remuneration or other benefits for the year ended 31 December 2024 nor for the year ended
31 December 2023.
Ordained members of the clergy receive their stipends dirertly from the Church of England. One of the churchwarden5 15
employed as the site sU￿rvISor. He is employed and paid by the Diocese and not the PCC.
Trustees, expenses
During the year the vicar who Is a trustee was reimbursed parochièl expenses totalling £13,006 (2023 £12,023). The
parochial expenses comprised of running costs which clergy and PCCS agree are necessary for the vicar to fulfil his duties.
-18-

STJOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
io.
STAFF COSTS
2024
2023
Wages and salaries
Pension costs
25,035
968
28,432
835
26,003
29,267
The average monthly number of employees during the year was as follows:
2024
2023
Parish Administration
Direttor of Music
Cleaning
No employees received emoluments in eX￿$S of £60,000.
ii.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
fund5
Restrirted
funds
Total
funds
INCOME AND ENDOWMENTS FROM
Donations and legacies
192,764
192,764
Charitable activities
Ministry
6,066
6,066
other charitable activities
Investment income
63,155
12,617
63,155
12,617
Total
274,602
274,602
EXPENDITURE OIY
Raising funds
5,708
5,708
Charitable artivities
Minlstry
Church running costs
Music
Restoration and improvements
146,268
68,694
27,992
146,268
68,694
27,992
60,411
60,411
Total
248,662
60,411
309,073
Net gainsl(105ses) on investments
(3,924)
(3,924)
NET INCOMEI{EXPENDITURE)
22,016
{60,411)
138,395)
RECONCILIATION OF FUNDS
Total funds brought forward
383,413
95,417
478,830
-19-

STJOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
ii.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES - continued
Unre5trlcted
funds
Restrirted
funds
Totsl
funds
TOTAL FUNDS CARRIED FORWARD
405,429
35,006
440,435
12.
TANGIBLE FIXED ASSETS
Improvements
to
propety
Freehold
property
Llturgical
furnishings
Totals
COST
At l January 2024
Additions
115,000
53,061
57,821
245,237
225,882
245,237
At 31 December 2024
115,000
53,061
303,058
471,119
DEPRECIATION
At l January 2024
Charge for year
79,839
3,167
18,478
1,768
13,841
15,151
112,158
20,086
At 31 December 2024
83,006
20,246
28,992
132,244
NET BOOK VALUE
At 31 December 2024
31,994
32,815
274,066
338,875
At 31 December 2023
35,161
34,583
43,980
113,724
13.
HERITAGE ASSETS
Heritage assets include the Comper Cope which is considered to be a herltage asset after having been restored over a
period of several years, and the Statue of Our Lady of Walsingham made for St John's In 2019 and placed in the Lady
Chapel and palntings that have been restored. The value Included in the accounts is the cost of these eX￿ptIOnal items
because they are not considered to have a finite useful life and are therefore not depreciated.
14.
FIXED ASSET INVESTMENTS
Listed
investments
MARKET VALUE
At l January 2024
Revaluations
78,666
1,924
At 31 December 2024
80,590
NET BOOK VALUE
At 31 De￿rnber 2024
80,590
At 31 December 2023
78,666
There were no investment assets outslde the UK.
-20-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
14.
FIXED ASSET INVESTMENTS - contlnued
Cost or valuation at 31 December 2024 15 represented by..
Llsted
investments
Valuation in 2022
Valuation in 2023
Valuation In 2024
82,590
(3,924)
1,924
80,590
15.
STOCKS
2024
2023
Stocks
1,000
1,000
16.
DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2024
2023
Trade debtors
other debtors
Prepayments and accrued income
15,600
208
60,000
11,370
75,808
11,370
17.
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
2024
2023
Other creditors
11,816
3,024
18.
MOVEMENT IN FUNDS
Net
movement
in funds
Transfers
beiween
funds
At
31112124
At 111124
Unrestricted funds
General fund
CBF Development Fund
405,429
361,927
(603)
(64,358)
64,358
702,998
63,755
405,429
361,324
766,753
Restricted funds
Church restoration fund
Margaret Riches Fund
26,976
8,030
26,976
7,335
(695)
35,006
(695)
34,311
TOTAL FUNDS
440,435
360,629
801,064
-21-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2024
18.
MOVEMENT IN FUNDS - continued
Net movement in funds, included in the above are as follows..
Incomlng
resources
Resources
expended
Gains and
losses
Movement
in funds
Unrestricted funds
General fund
CBF Development Fund
714,800
1,897
1354,797)
{2,500)
1,924
361,927
1603)
716,697
(357,297)
1,924
361,324
Restricted funds
Margaret Riches Fund
(695)
(695)
TOTAL FUNDS
716,697
(357,992)
1,924
360,629
Comparatives for movement In funds
Net
movement
in funds
At 111123
31112123
Unre5trirted funds
General fund
383,413
22,016
405,429
Restricted funds
Church restoration fund
Margaret Rlches Fund
87,387
8,030
(60,411)
26,976
8,030
95,417
(60,411)
35,006
TOTAL FUNDS
478,830
(38,395)
440,435
Comparative net movement in funds, included in the above are as follows..
Incoming
resour￿5
Resources
expended
Gains and
losses
Movement
in funds
Unrestricted funds
General fund
274,602
(248,662)
(3,924)
22,016
Restricted funds
Church restoration fund
(60,411)
160,411 }
TOTAL FUNDS
274,602
(309,073)
(3,924}
(38,395)
Unrestricted Funds - Deslgnated Funds
CBF Development Fund a unrestricted designated funds for the development and malntenance of the church building
and organ restoration.
Restricted Funds
Church Restoration Fund a restrlrted fund for the maintenance and repair of the church fabric.
-22-

ST JOHNS CHURCH, UPPER NORWOOD
NOTES TO THE FINANCIAL STATEMENTS- continued
FOR THE YEAR ENDED 31 DECEMBER 2024
18.
MOVEMENT IN FUNDS- continued
Margaret Riche5 Fund a restricted fund for the purpose of the maintenance of the sacr15ty.
Transfers between funds
During the year the PCC transferred £64,357 from the General Fund to the CBF Development Fund.
19.
RELATED PARTY DISCLOSURES
There were no related party transartions for the year ended 31 December 2024.
-23-