##
##
##
|Report ofthe Trustees|I|to|13|
|---|---|---|---|
|Report ofthe Independent
Auditors|14|to|16|
|Statement of Financial Activities|17|to|18|
|Balance Sheet|19|to|20|
|Cash Flow Statement||21||
|Notes to the Cash Flow Statement||22||
|Notes to the Financial Statements|23|to|39|
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|-
-
-
-
-|Brighton
&Sussex Universkies
H
Cumbria Deaf Association
CJ Interpreting
CommunicationPlus
DeafCOG|ospitals
NHS|
|---|---|---|
|-|DeafKidz International||
|-|Deafplus||
|-|Derby City Council||
|-|Derbyshire
County
Council||
|-|East Sussex County Council||
|-|Eveson Trust||
|-|Futures
Housing Group||
|-|Herefordshire
County Council||
|-|Herefordshire
&Worcestershire|Health &Care NHS|
|-|Hertfordshire
County Council||
|-|Leicester City Council||
|-|Leicestershire
County Council||
|-|Nottingham
City Council||
|-|Nottinghamshire
County
Council||
|-|Oxford City Council||
|-|Oxfordshire
County Council||
##
##
|Re ortofthe T
for the Year Ended 30Se tember|202|||||
|---|---|---|---|---|---|
|-SignLive VRS||||||
|- Splice Agency||||||
|-StAndrew's
Healthcare Trust||||||
|-Sussex Partnership
MH NHS||||||
|- University
Hospitals of Leicester|NHS|||||
|-Vision Links (Herefordshire)||||||
|-Walsall Deaf Community
Services||||||
|-Warwickshire
County
Council||||||
|-Worcestershire
Acute Hospitals|NHS|||||
|-Worcester City Council||||||
|-Worcestershire
County Council||||||
|We look forward to strong partnerships||and relationships|with more organisations|/ charities|in order to create a better|
|future for Deaf communities
across the||UK.||||
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|f r
Y
rEnded30Se||m
202|||||||
|---|---|---|---|---|---|---|---|---|
||||||||30.9.20|30.9.19|
||||||Unrestricted|Restricted|Total|Total|
||||||funds|funds|funds|funds|
|||||Notes|6|6||E|
|INCOME AND ENDOWMENTS|||FROM||||||
|Donations
and legacies||||2|80,816||80,816|19,316|
|Charitable
activities|||||||||
|Communications|||||2,795,453||2,795,453|2,212,504|
|Community
Support|||||602,442||602,442|567,125|
|Learning|||||3,652||3,652|4,995|
|Other charitable projects|||||83,302||83,302||
|Books, DVDs and AD Tech|||||36,623||36,623|32,751|
|Other trading activities||||3|73,014||73,014|57,452|
|Investment
income||||4|387||387|757|
|Other income|||||68,608||68,608||
|Total|||||3,744,297||3,744,297|2,894,900|
|EXPENDITURE ON|||||||||
|Raising funds|||||27,856||27,856|4,187|
|Charitable
activities|||||||||
|Communications|||||2,976,311||2,976,3 I I|2,088,700|
|Community
Support|||||645,213|18,532|663,745|732,668|
|Learning|||||2,971||2,971|2,743|
|Support for social groups|||||6,924||6,924|12,578|
|Other charitable
projects|||||19,656||19,656|16,008|
|Books, DVDs and AD Tech|||||35,179||35,179|18,997|
|Business Development|||||11,691||11,691||
|Fundraising|||||1,918||1,918|4,936|
|Total|||||3,727,719|18,532|3,746,251|2,880,817|
|Net gains on investments|||||280||280|607|
|NET INCOME/(EXPENDITURE)|||||16,868|(18,532)|(1,674)|14,690|
|Other recognised
gains/(losses)|||||||||
|Gains/(losses)
on revaluation||of pension|scheme||190,100||190,100|(102,601)|
|Merger with Deaf Direct|||||(84,141)|1,054,210|970,069||
|Actuarial
gains on defined|benefit schemes||||838||838|1399|
|Net movement
in funds|||||123,665|1,035,678|1,159,333|(87,911)|
##
##
||||||30.9.20|30.9.19|
|---|---|---|---|---|---|---|
||||Unrestr
icted|Restricted|Total|Total|
||||funds|funds|funds|funds|
|||Notes|||E|E|
|RECONCILIATION|OF FUNDS||||||
|Total funds brought|forward||(16,926)|3,529|(13,397)|74,514|
|TOTAL FUNDS CARRIED FORWARD|||106,739|1,039,207|1,145,936|(13,397)|
##
|Balance Sheet||||||
|---|---|---|---|---|---|
|3uggtgntber
2020||||||
|||||30.9.20|30.9.19|
|||Unrestricted|Restricted|Total|Total|
|||funds|funds|funds|funds|
||Notes|||E||
|FIXEDASSETS||||||
|Tangible assets|13|62,743|1,0 10,000|1,072,743|26,933|
|Investments|14|11,905||11,905|11,300|
|||74,648|1,010,000|1,084,648|38,233|
|CURRENT ASSETS||||||
|Stocks|15|9,053||9,053|6,695|
|Debtors|16|737,228||737,228|532,507|
|Cash at bank||262,546|29,207|291,753|263,961|
|||1,008,827|29,207|1,038,034|803,163|
|CREDITORS||||||
|Amounts
falling due within one year|17|(898,864)||(898,864)|(516,978)|
|NET CURRENT ASSETS||109,963|29,207|139,170|286,185|
|TOTAL ASSETSLESSCURRENT||||||
|LIABILITIES||184,612|1,039,207|1,223,818|324,418|
|PENSION LIABILITY|20|(66,700)||(66,700)|(323,500)|
|RETIREMENT HEALTHCARE BENEFITS||||||
|OBUGATIONS|20|(11,182)||(11,182)|(14,315)|
|NET ASSETS/(LIABILITIES)||106,730|1,039,207|1,145,936|~13,397)|
|FUNDS|19|||||
|Unrestricted
funds||||106,730|(16,926)|
|Resn icted funds||||1,039,207|3,529|
|TOTAL FUNDS||||1,145,937|~13,39|
##
##
##
|~Ch Fl|||||
|---|---|---|---|---|
|f r
Y
r Ended|20||||
||||30.9.20|30.9.19|
|||Notes||E|
|Cash flows from operating|activities||||
|Cash generated
from operadons
Interest
paid|||73,315|111,805
~242|
|Net cash (used in)/provided
by operating||activities|73,315|111,563|
|Cash flows from investing|activities||||
|Purchase oftangible
Axed assets|||(45,585)|(10,500)|
|Purchase offixed asset investments|||(325)|(320)|
|Interest received|||63|436|
|Dividends
received|||324|321|
|Net cash used
in investing
acdvkies|||~45,523|~10,063)|
|Change
in cash and cash equivalents||in|||
|the reporting
period|||27,792|101,500|
|Cash and cash equivalents|at the||||
|beginning ofthe reporting|period||263,961|162,461|
|Cash and cash equivalents|at the end|of|||
|the reporting
period|||291,753|263,961|
##
##
|OPERATING AC|TIVITIE|S||||
|---|---|---|---|---|---|
|||||30.9.20|30.9.19|
|Net (expenditure)/income||for the reporting|period (as per the|||
|Statement ofFinancial Activities)||||(3,969)|14,690|
|Adjustments
for:||||||
|Depreciation
charges||||13,202|7,260|
|Amordsation||||4,833||
|Gain on investments||||(280)|(607)|
|Interest received||||(63)|(436)|
|Interest
paid|||||242|
|Dividends
received||||(324)|(321)|
|(Increase)/decrease|in stocks|||(2,358)|1,059|
|Increase in debtors||||(204,720)|(80,954)|
|Increase
in creditors||||381,886|192,040|
|Difference between|pension|charge and cash contributions||(114,892)|~21,168)|
|Net cash provided|by operations|||73,315|111,805|
##
##
|ANALYSIS OF CHANGES IN NET|FUNDS|||
|---|---|---|---|
||At 1.10.19|Cash flow|At 30.9.20|
||||E|
|Net cash||||
|Cash at bank|263,961|27,792|291,753|
||263,961|27,792|291,753|
|Total|263,961|27,792|291,753|
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
##
|DONAT|IONS
AND LEGACIES|||
|---|---|---|---|
|||30.9.20|30.9.19|
|||E|E|
|Gifts||7,044|4,725|
|Legacies||73,772|14,591|
|||80,816|19,316|
|OTHER|TRADING ACTIVITIES|||
|||30.9.20|30.9.19|
|||E|E|
|Provision|ofsupport to other charities|52,249|19,567|
|Commission||13,766|294|
|Business|development|6,999|37,591|
|||73,014|57,452|
|INVESTMENT INCOME||||
|||30.9.20|30.9.19|
|Dividends|received|324|321|
|Interest received||63|436|
|||387|757|
##
##
|||||||||30.9.20|30.9.19|
|---|---|---|---|---|---|---|---|---|---|
||||||Activity|||E|E|
||Course fees||||Communications||||158|
||BSLinterpredng||||Communications|||2,547,881|2,021,025|
||Deaf staff support||income||Communications|||247,572|191,321|
||Community
support|||income|Community|Support||602,442|567,125|
||Course fees||||Learning|||3,652|4,995|
||Grants||||Other char|itable projects||83,302||
||Books, DVD A AD||Tech sales||Books, DVDs and AD Tech|||36,623|32,751|
|||||||||3,521,472|2,817,375|
|6.|RAISING FUNDS|||||||||
||Raising donations||and legacies|||||||
|||||||||30.9.20|30.9.19|
|||||||||E||
||Support costs|||||||14,986||
||Other trading|activities||||||||
|||||||||30.9.20|30.9.19|
|||||||||E|E|
||Bad debts|||||||2,199|954|
||Communication|support||||||10,671|3,233|
|||||||||12,870|4,187|
||Aggregate
amounts|||||||27,856|4,187|
|7.|CHARITABLE ACTIVITIES||||COSTS|||||
|||||||||Support||
||||||||Direct|costs (see||
||||||||Costs|note 8)|Totals|
||Communications||||||2,459,147|517,164|2,976,3 1 I|
||Community
Support||||||552,354|111,391|663,745|
||Learning||||||2,971||2,971|
||Support for social groups||||||4,386|2,538|6,924|
||Other charitable|projects|||||4,300|15,356|19,656|
||Books, DVDs and AD|||Tech|||28,518|6,661|35,179|
||Business Development||||||10,091|1,600|11,691|
||Fundraising||||||218|1,700|1,918|
||||||||3,061,985|656,410|3,718,395|
##
##
##
|SUPPORT CO|STS||||
|---|---|---|---|---|
|||Central||IT &|
|||overheads|Finance|telephones|
||||E|E|
|Raising donations|and legacies|6,315|3,716|1,437|
|Communications||217,922|128,243|49,617|
|Community
Support||46,938|27,622|10,687|
|Support for social groups|||2,538||
|Other charitable|projects|6,471|3,808|1,473|
|Books, DVDs and|AD Tech|2,807|1,652|639|
|Business Development|||||
|Fundraising||1,700|||
|||282,153|167,579|63,853|
|||Professional|Governance||
|||fees|costs|Totals|
||||E||
|Raising donations|and legacies|2,434|1,084|14,986|
|Communications||84,007|37,375|517,164|
|Community
Support||18,094|8,050|111,391|
|Support for social|groups|||2,538|
|Other charitable|projects|2,494|1,110|15,356|
|Books, DVDs and|AD Tech|1,082|481|6,661|
|Business Development||1,600||1,600|
|Fundraising||||1,700|
|||109,711|48,100|671,397|
##
|||30.9.20|30.9.19|
|---|---|---|---|
|Auditor's
remuneration||6.013|5,471|
|Depreciation
-|owned assets|13,202|7,259|
|Amortisation||4,833||
|Other operating|leases|45,911|29,316|
##
##
##
|STAFF C||OSTS|||||
|---|---|---|---|---|---|---|
||||||30.9.20|30.9.19|
|||||||6|
|Wages and||salaries|||873,582|691,210|
|Social security costs|||||58,290|43,379|
|Other pension costs|||||18,724|16,663|
||||||950,596|751,252|
|The average||monthly|number ofemployees|dufiing the year was as follows:|||
||||||30.9.20|30.9.19|
|Central services|||||10|6|
|Charitable|activities||||63|58|
||||||73||
||The numbe|r ofemployees
whose em|ployee
benefits (excluding
employer
pension co|sts) exceeded 66|0,000was:|
|---|---|---|---|---|---|
|||||30.9.20|30.9.19|
||660,001 - 670,000|||I|I|
|12.|PRIOR YEAR (2018/2019) COMPARATIYES FORTHE STATEMENT OF|||FINANCIAL||
||ACTIVITIES|||||
||||Unrestricted|Restricted|Total|
||||funds|funds|funds|
||||6|||
||INCOME|AND ENDOWMENTS|FROM|||
||Donations|and legacies|19,316||19,316|
||Charitable|activities||||
||Communications||2,212,504||2,212,504|
||Community|Support|567,125||567,125|
||Learning||4,995||4,995|
||Books, DVDs and AD Tech||32,751||32,751|
||Other trading activities||57,452||57,452|
||Investment|income|757||757|
||Total||2,894,900||2,894,900|
##
|PRIOR YEAR (2018/201
ACTIVITIES - continued|9) COMPARATIVES FOR|THE STATEMENT OF|FINANCIAL||
|---|---|---|---|---|
|||Unrestricted|Restricted|Total|
|||funds|funds|funds|
|||E|||
|EXPENDITURE ON|||||
|Raising funds||4,187||4,187|
|Charitable
activities|||||
|Communications||2,088,700||2,088,700|
|Community
Support||732,668||732,668|
|Learning||2,743||2,743|
|Support for social groups||12,578||12,578|
|Other charitable
projects||16,008||16,008|
|Books, DVDs and AD Tech||18,649|348|18,997|
|Fun drai sing||4,936||4,936|
|Total||2,880,469|348|2,880,817|
|Net gains on investments||||607|
|NET INCOME/(EXPENDITURE)||15,038|(348)|14,690|
|Other recognised gains/(losses)|||||
|Gains/(losses)
on revaluation|of pension scheme|(104,000)||(104,000)|
|Actuarial
gains on degned benefit schemes||1,399||1,399|
|Net movement
in funds||(87,563)|(348)|(87,911)|
|RECONCILIATION
OF|FUNDS||||
|Total funds brought
forward||70,637|3,877|74,514|
|TOTAL FUNDS CARRIED FORWARD||~16.9363|3.639|~13,393|
##
|TANGIBLE FIXEDASSETS|||||
|---|---|---|---|---|
||Freehold|Motor|Computer||
||property|vehicles|equipment|Totals|
||E||E||
|COST|||||
|At
I October 2019|||44,025|44,025|
|Additions|||45,585|45,585|
|Acquisition
via merger|1,010,000|14,954||1,024,954|
|At 30September 2020|1,010,000|14,954|89,610|1,114,564|
|DEPRECIATION|||||
|At
I October 2019|||17,092|17,092|
|Charge for year||3,427|9,775|13.202|
|Transfer to ownership||11,527||11,527|
|At 30September 2020||14,954|26,867|41,821|
|NET BOOK VALUE|||||
|At 30September 2020|1,010.000||62,743|1,072,743|
|At 30September 2019|||26,933|26,933|
##
|||Cash and|
|---|---|---|
|||settlements|
|||pending|
|MARKET VALUE|||
|At
I October 2019||11,300|
|Additions||325|
|Revaluations||280|
|At 30September 2020||11,905|
|NET BOOK VALUE|||
|At 30September 2020||11,905|
|At 30 September 2019||11,300|
|There were no investment|assets outside the UK.||
##
|utes|to the|fin
n
I S|m|||-continued|-continued|||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|f r|T|Ended 30|tember|||2020||||||
|15.|STOCKS|||||||||||
|||||||||||30.9.20|30.9.19|
|||||||||||E||
||Stocks|||||||||9,053|6,695|
|16.|DEBTORS:AMOUNTS|||||FALLING DUE WITHIN|||ONE YEAR|||
|||||||||||30.9.20|30.9.19|
|||||||||||E|E|
||Trade|debtors||||||||693,762|477,528|
||Other|debtors||||||||14,210|36,000|
||prepayments|||||||||29,256|18,979|
|||||||||||737,228|532,507|
|17.|CREDITORS: AMOUNTS||||||FALLING DUE WITHIN ONE YEAR|||||
|||||||||||30.9.20|30.9.19|
|||||||||||E||
||Trade|creditors||||||||519,646|331,378|
||Social|secor ity and|other||taxes|||||13,003|11,351|
||VAT|||||||||264,007|153,164|
||Other|creditors||||||||56,601|4,779|
||Accruals and deferred|||income||||||45,607|16,306|
|||||||||||898,864|516,978|
|18.|LEASING AGREEMENTS|||||||||||
||Minimum
lease payments||||under||non-cancellable|operating|leases fall due as follows:|||
|||||||||||30.9.20|30.9.19|
||Within|one year||||||||36,628|13,393|
##
##
##
|MOVEMENT
IN|FU|NDS||||||
|---|---|---|---|---|---|---|---|
|||||Net|Transfers|||
||||At|movement|between||At|
||||1.10.19|in funds||funds|30.9.20|
|||||6||6||
|Unrestricted
funds||||||||
|General
fund|||282,424|5,141|(I|I2,285)|175,281|
|Fixed Assets|||26,933|(9,776)||45,585|62,742|
|Fixed Asset Investment||Fund|11,532|666|||12,198|
|Pension Reserve|||(337,815)|193,233||66,700|(77,882)|
|Deaf Direct Unrest|icted merger||reserve|~65,609|||~65,609)|
||||(16,926)|123,655|||106,730|
|Restricted funds||||||||
|Over 50's Club|||3,529||||3,529|
|Deaf Direct restricted||merger reserve||1,035,678|||1,035,678|
|TOTALFUNDS|||13,397|1,159,333|||1,145,936|
|Net movement
in funds, included|||in the above are as follows:|||||
||||Incoming|Resources|Gains and||Movement|
||||resources|expended|losses||in funds|
|||||||6||
|Unrestricted
funds||||||||
|General
fund|||3,743,911|(3,736,475)||16,237|23,673|
|Fixed Assets||||(9,776)|||(9,776)|
|Fixed Asset Investment||Fund|386|||280|666|
|Deaf Direct merger|||||(84,141)||(84,141)|
|Pension Reserve|||||193,233||193,233|
|Restricted
funds||||||||
|Deaf Direct merger|||||1.035,678||1,035,678|
|TOTAL FUNDS||||||||
##
##
##
|Cornparatives|for m|ovement
in fun|ds||||
|---|---|---|---|---|---|---|
|||||Net|Transfers||
||||At|movement|between|Ar.|
||||1.10.18|in funds|funds|30.9.19|
|||||E||E|
|Unrestricted|funds||||||
|General
fund|||292,953|24,765|(35,295)|282,423|
|Fixed Assets|||23.693|(7,260)|10,500|26,933|
|Fixed Asset Investment||Fund|10,373|1,364|(205)|11,532|
|Pension Reserve|||(2~56,382|( 1~06,432|25,000|(3~37,814|
||||70,637|(87,563)||(16,926)|
|Restricted funds|||||||
|Over 50's Club|||3,877|(348)||3,529|
|TOTAL FUNDS|||74,514|~87,911||(13,397)|
||||Incoming|Resources|Gains and|Movement|
|---|---|---|---|---|---|---|
||||resources|expended|losses|in funds|
|||||E||E|
|Unrestricted|funds||||||
|General fund|||2,894,143|(2,869,378)||24,765|
|Fixed Assets||||(7,260)||(7,260)|
|Fixed Asset Investment
Pension
Reserve||Fund|757|~8031|607
~102,601)|1,364
~106432|
||||2,894,900|(2,880,469)|(101,994)|(87,563)|
|Restricted funds|||||||
|Over 50's Club||||(348)||(348)|
|TOTAL FUNDS|||2.894.9M|~2.000.013|~101.994|87,911|
##
##
|MOVEMENT
IN FUN|MOVEMENT
IN FUN|DS - continued|||||||
|---|---|---|---|---|---|---|---|---|
|A current year 12months||and prior year|12months|combined|position
is as follows:||||
||||||Net|Transfers|||
|||||Ac|movement|between||At|
|||||1.10.18|in funds||funds|30.9.20|
|Unrestricted
funds|||||||||
|General fund||||292,953|29,906|(147,579)||175,281|
|Fixed Assets||||23,693|(17,036)||56,085|62,742|
|Fixed Asset Investment|Fund|||10,373|2,030||(205)|12,198|
|Pension
Reserve||||(256,382)|86,800||91,700|(77,882)|
|Deaf Direct Unrestricted||merger reserve|||~65,609|||~65,609)|
|||||70,637|36,091|||106,730|
|Restricted funds|||||||||
|Over 50's Club||||3,877|(348)|||3,529|
|Deaf Direct restricted|merger reserve||||1,035,678|||1,035,678|
|TOTAL FUNDS||||74,514|1,071,422|||1,145,936|
|A current year 12months||and prior year|12 months|combined|net movement|in funds,|included|in the above ar|
|as follows:|||||||||
|||||Incoming|Resources|Gains and||Movement|
|||||resources|expended||losses|in funds|
||||||||6||
|Unrestricted
funds|||||||||
|General
fund|||6,638,055||(6,608,149)|||29,906|
|Fixed Assets||||(I)|(17.035)|||(17,036)|
|Fixed Asset Invescment|Fund|||1,143|||887|2,030|
|Pension Reserve
Deaf Direct merger reserve|||||(1,536)|88,337
~65,609)||86,801
~65,609)|
||||6,639,197||(6,626,720)||23,615|36,092|
|Restricted funds|||||||||
|Over 50's Club|||||(348)|||(348)|
|Deaf Direct merger reserve||||||1,035,678||1,035,678|
##
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||||Defined|benefit|Retirement|Retirement|
|---|---|---|---|---|---|---|
||||pension|plans|healthcare|benefits|
||||30.9.20|30.9.19|30.9.20|30.9.19|
|Present value offunded|obligations||(66,700)|(1,400,500)|(11,182)|(14,315)|
|Fair value of plan assets||||1,077,000|||
||||(66,700)|(323,500)|(11,182)|(14,315)|
|Present value of unfunded||obligations|||||
|Deficit|||~66700|~323500|~11,1823|~14315|
|Net liability|||~66.700|~323,502|~11,102|14,315|
|||Defined|benefit|Retirement|Retirement|
|---|---|---|---|---|---|
|||pension|plans|healthcare|benefits|
|||30.9.20|30.9.19|30.9.20|30.9.19|
||||6|6||
|Current service cost||||||
|Net interest|charge on net defined benefit|||||
|asseoiliability|||36,000|119|242|
|Past service|cost|||||
||||36,000|119|242|
|Actual return|on plan assets|||||
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||||Defined|benefit|Retirement|Retirement|
|---|---|---|---|---|---|---|
||||pension|plans|healthcare|benefits|
||||30.9.20|30.9.19|30.9.20|30.9.19|
|||||6||6|
|Opening|defined benefit obligation||66,700|1,283,500|14.315|17,882|
|Contribudons||by employer|||(2,414)|(2,410)|
|Interest|cost|||36,000|119|242|
|Benefits|paid|||(58,000)|||
|Remeasurements:|||||||
|Actuarial|(gains)/losses
from changes||in||||
|demographic||assumptions||(39,000)|||
|Actuarial|(gains)/losses
from changes||in||||
|financial
assumptions
Oblig other remeasurement||||147,000
31,000|~339|~1.399|
||||66,700|1,400,500|11,182|14,315|
|Changes|in the fair value ofscheme||assets are as follows:||||
||||Defined|beneFit|Retirement||
||||pension|plans|healthcare|benefits|
||||30.9.20|30.9.19|30.9.20|30.9.19|
||||||6|6|
|Opening|fair|value ofscheme assets||1,045,000|||
|Interest|income on plan assets|||30,000|||
|Contributions||by employer||25,000|||
|Benefits|paid|||(58,000)|||
|Return on plan assets (excluding interest|||||||
|income)||||35,000|||
|||||1,077,000|||
##
##
||||||Defined|benefit|Retirement|Retirement|
|---|---|---|---|---|---|---|---|---|
||||||pension|plans|healthcare|benefits|
||||||30.9.20|30.9.19|30.9.20|30.9.19|
|||||||E||E|
|Actuarial|(gains)/losses||from changes|in|||||
|demographic||assumptions||||39,000|||
|Actuarial|(gains)/losses||from changes|in|||||
|financial|assumpdons|||||(147,000)|||
|Oblig other||remeasurement||||(31,000)|838|1,399|
|Return on plan assets|||(excluding interest||||||
|income)||||||35,000|||
|||||||~104,000|838|1,399|
|The maj|or cate|go|ries of|schem|e assets as a p|ercentage ofto|tal sch|eme assets ar|e as follows:|||
|---|---|---|---|---|---|---|---|---|---|---|---|
||||||||||Defined|benefit||
||||||||||pension|plans||
||||||||||30.9.20||30.9.19|
|Equities|||||||||||60K|
|Bonds|||||||||||30%|
|Property|||||||||||8/|
|Cash|||||||||||2'A|
||||||||||||100%|
|Principal|actuarial||assumptions||at the Balance|Sheet date (expressed||as weighted|averages):|||
||||||||||30.9.20||30.9.19|
|Discount|rate||||||||||1.90%|
|Future salary increases|||||||||||2.50%|
|Future pension||increases|||||||||2.00%|
|The above assumptions||||relate|to the defined|benefit pension|plan.|The discount|rate on the retirement||healthcare|
|benefits|plan is|2.53K||||||||||
|One percentage
point|
|---|
|Increase
Decrease|
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