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2021-04-05-accounts

Charity no. 221335 (England and Wales) Scottish charity no. SC013771

The Crerar Trust Financial Statements For the year ended 5 April 2021

The Crerar Trust Financial statements For the year ended 5 April 2021

Contents
Page
Legal and administrative details 3
Report of the trustees 4 – 6
Independent auditors’ report to the trustees 7 – 10
Statement of financial activities 11
Balance sheet 12
Notes to the financial statements 13 – 20
Detailed trading and profit and loss account 21
Schedule of administrative expenses 22

Page 2 of 22

The Crerar Trust Legal and administrative details For the year ended 5 April 2021

Legal and administrative details

Scottish charity number: SC013771
English charity number: 221335
Registered office: Newmains
Stenton
Dunbar
East Lothian
EH42 1TQ
Principal office: The Mill House
Samuelston
East Lothian
EH41 4HG
Trustees: Paddy Crerar CBE
Jeanette Crerar
James Barrack
Sheila Crerar
Members of Council: John Williams
Michael Still
Tarquin De Burgh
Claire Smith
Bankers: Adam and Company plc
25 St Andrew Square
Edinburgh
EH2 1AF
Auditor: Saffery Champness LLP
Edinburgh Quay
133 Fountainbridge
Edinburgh
EH3 9BA
Investment Managers: McInroy and Wood Ltd
Easter Alderston
Haddington
EH41 3SF
General Secretary: Claire Smith

Page 3 of 22

The Crerar Trust Report of the trustees For the year ended 5 April 2021

The Trustees present their annual report with the financial statements of the charity for the year ended 5 April 2021. These have been prepared in accordance with the Trust Deed and the Statement of Recommended Practice - 'Accounting and Reporting by Charities'.

Objectives and activities

The objectives as specified in the Trust Deed are to hold the charity property and income thereof upon such charitable trusts and for such charitable purposes as the Trustees shall from time to time determine.

Achievements and performance

It is the intention of the Trustees to continue supporting worthy causes, in accordance with the aims and objectives of the charity.

Financial review

During the year the charity income was £79,866 (2020: £345,788). After charitable donations and support costs, the net outgoing resources amounted to £83,138 (2020: £116,626). The designated funds (held for investment) are under the management of McInroy and Wood in order to provide a growing income stream for the charity. In the current year the unrealised gain on the market value of these investments was £1,156,881. Charitable donations for the current year totalled £132,260 (2020: £433,999).

The restricted capital fund represents the investment held by the charity in Crerar Hotel Group Limited.

Investment Policy

The Charity's investments are split between their shareholding in the related party Crerar Hotel Group Limited and a portfolio of investments managed by McInroy and Wood. The performance of the investments is reviewed regularly by the Trustees. During the year to 5 April 2021 the value of the investments increased by £1,153,899.

Risk

The Trustees have assessed the major risks to which the charity is exposed, in particular those related to the operation and finances of the charity, and are satisfied that systems are in place to mitigate their exposure to the major risks.

The Charity relies partly on its investment returns in order to meet its financial commitments, therefore one of the principal risks faced by the Trust lies in the performance of its investments. The Trustees have mitigated this by the appointment of professional investment managers to advise them, by having a balanced investment strategy, having a diversified portfolio and by ensuring that the portfolio is sufficiently liquid to meet obligations in the event of a down-turn in financial markets and/or default.

Reserves Policy

The Trustees have established a policy whereby, following their meetings, only minimal unrestricted reserves are maintained to meet the day-to-day running costs of the charity. Free reserves relate to cash at bank and total £246,644 (2020: £242,583).

Page 4 of 22

The Crerar Trust Report of the trustees For the year ended 5 April 2021

Structure, governance and management

The Charity is constituted under a Trust Deed dated 21 December 2012.

The constitution of the Charity requires that there shall be not less than three nor more than five trustees, with the usual number of trustees being three. The Trustees have the power of appointing new trustees and must meet at least once a year.

The Charity has a council to advise and provide recommendations to the Trustees as to particular charitable grants that might be appropriate for the Trust. The Trustees may invite members of council to attend meetings of the Trustees to present their grant recommendations.

The Trustees may use the Trust's property for any charitable purpose or for the general management of the charity.

The Trustees are continuing to develop policies and procedures for the induction and training of trustees.

The Trustees confirm that they have referred to the guidance contained in the Charity Commissions’ general guidance on public benefit when reviewing the charity's aims and objectives and in planning future activities and setting the grant making policy in the year.

Going concern

The Trustees have no material uncertainties as to the Trust’s ability to continue as a going concern.

COVID-19

The Trustees have considered the ongoing impact of COVID-19 on the charity and have concluded that any adverse effect will be relatively low.

Key management personnel and remuneration policy

The Trustees consider the board of trustees as comprising the key management personnel of the Charity in charge of directing and controlling the Charity and running and operating the Charity on a day-to-day basis. All trustees give of their time freely and no trustee remuneration was paid in the year. Details of trustee expenses and related party transactions are disclosed in notes 6 and 12.

Reference and administrative details

Information about the Charity is set out on page 3.

Statement of Trustees' responsibilities

The Trustees are responsible for preparing the Trustees' Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Page 5 of 22

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21 December 2021
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The Crerar Trust Independent auditors’ report to the trustees For the year ended 5 April 2021

Opinion

We have audited the financial statements of The Crerar Trust for the year ended 5 April 2021 which comprise the Statement of financial activity, Balance sheet, and notes to the financial statements, including significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor’s responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees’ use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity’s ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

Other information

The trustees are responsible for the other information. The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit

Page 7 of 22

The Crerar Trust Independent auditors’ report to the trustees For the year ended 5 April 2021

or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information; we are required to report that fact.

We have nothing to report in this regard.

Matters on which we are required to report by exception

We have nothing to report in respect of the following matters in respect of which the Charities (Accounts and Reports) Regulations 2008 and the Charities Accounts (Scotland) Regulations 2006 (as amended) require us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the Trustees’ Responsibilities Statement set out on page 6, the trustees are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

Auditor’s responsibilities for the audit of the financial statements

We have been appointed as auditors under the Charities Act 2011 and the Charities and Trustee Investment (Scotland) Act 2005 and report in accordance with regulations made under those Acts.

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors’ report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The specific procedures for this engagement and the extent to which these are capable of detecting irregularities, including fraud are detailed below.

Page 8 of 22

The Crerar Trust

Independent auditors’ report to the trustees For the year ended 5 April 2021

Identifying and assessing risks related to irregularities:

We assessed the susceptibility of the charity’s financial statements to material misstatement and how fraud might occur, including through discussions with the trustees, discussions within our audit team planning meeting, updating our record of internal controls and ensuring these controls operated as intended. We evaluated possible incentives and opportunities for fraudulent manipulation of the financial statements. We identified laws and regulations that are of significance in the context of the charity by discussions with trustees and updating our understanding of the sector in which the charity operates.

Laws and regulations of direct significance in the context of the charity include the Charities Act 2011, the Charities and Trustee Investment (Scotland) Act 2005, the Charities (Accounts and Reports) Regulations 2008, the Charities Accounts (Scotland) Regulations 2006 (as amended) and guidance issued by the Charity Commission for England and Wales and the Office of the Scottish Charity Regulator.

Audit response to risks identified:

We considered the extent of compliance with these laws and regulations as part of our audit procedures on the related financial statement items including a review of financial statement disclosures. We reviewed the charity’s records of breaches of laws and regulations, minutes of meetings and correspondence with relevant authorities to identify potential material misstatements arising. We discussed the charity’s policies and procedures for compliance with laws and regulations with members of management responsible for compliance.

During the planning meeting with the audit team, the engagement partner drew attention to the key areas which might involve non-compliance with laws and regulations or fraud. We enquired of management whether they were aware of any instances of non-compliance with laws and regulations or knowledge of any actual, suspected or alleged fraud. We addressed the risk of fraud through management override of controls by testing the appropriateness of journal entries and identifying any significant transactions that were unusual or outside the normal course of business. We assessed whether judgements made in making accounting estimates gave rise to a possible indication of management bias. At the completion stage of the audit, the engagement partner’s review included ensuring that the team had approached their work with appropriate professional scepticism and thus the capacity to identify non-compliance with laws and regulations and fraud.

There are inherent limitations in the audit procedures described above and the further removed noncompliance with laws and regulations is from the events and transactions reflected in the financial statements, the less likely we would become aware of it. Also, the risk of not detecting a material misstatement due to fraud is higher than the risk of not detecting one resulting from error, as fraud may

Page 9 of 22

22 December

The Crerar Trust Statement of financial activity For the year ended 5 April 2021

Note
Income and
endowments from:
Investments
4
Total
Expenditure on:
Raising funds
5
Charitable activities
6
Total
Net expenditure
before gains/(losses)
on investments
Realised gain / (loss)
on investments
Unrealised
gains/(losses) on
investments
7
Net movements in
funds
Reconciliation of
funds
Total funds brought
forward
Total funds carried
forward
11
Unrestricted
funds
£
79,866
79,866
10,458
152,546
163,004
(83,138)
-
-
-
(83,138)
76,309
(6,829)
Designated
funds
£
-
-
-
-
-
-
82,648
1,156,881
1,239,529
1,239,529
4,516,254
5,755,783
Restricted
funds
£
-
-
-
-
-
-
-
-
-
-
5,600,050
5,600,050
2021 total
£
79,866
79,866
10,458
152,546
163,004
(83,138)
82,648
1,156,881
1,239,529
1,156,391
10,192,613
11,349,004
2020 total
£
345,788
345,788
10,983
451,431
462,414
(116,626)
89,371
(460,371)
(371,000)
(487,626)
10,680,239
10,192,613

Page 11 of 22

21 December

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

1. Principal Accounting policies

The financial statements have been prepared on the historical cost basis of accounting with the exception of investments which are carried at market value. The financial statements have been prepared in accordance with the Statement of Recommended Practice – Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102), the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended).

The financial statements have been prepared under the historical cost convention except that the listed investments are revalued annually.

The Trust constitutes a public benefit entity as defined by FRS 102.

The financial statements are prepared in Sterling, which is the functional currency of the company. Monetary amounts in these financial statements are rounded to the nearest £.

Compliance with accounting standards

The financial statements are prepared in accordance with applicable United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), which have been applied consistently (except as otherwise stated).

Going concern

The financial statements have been prepared on a going concern basis. The Trustees have assessed the charity’s ability to continue as a going concern and have reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. Thus they continue to adopt the going concern basis of accounting in preparing these financial statements. The trustees have specifically considered the impact of COVID-19 and do not believe the pandemic presents material uncertainties around going concern.

Investments

Listed investments are a form of basic financial instrument and are initially recognised at their transaction value and subsequently measured at their fair value as at the balance sheet date using the closing quoted market price. The Statement of Financial Activities includes the net gains and losses arising on revaluation and disposals throughout the year.

The charity does not acquire put options, derivatives or other complex financial instruments.

The main form of financial risk faced by the charity is that of volatility in equity markets and investment markets due to wider economic conditions, the attitude of investors to investment risk, and changes in sentiment concerning equities and within particular sectors or sub sectors.

Page 13 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

Realised / unrealised gains and losses

All gains and losses are taken to the Statement of Financial Activities as they arise. Realised gains and losses on investments are calculated as the difference between sales proceeds and opening market value (purchase date if later).

Unrealised gains and losses are calculated as the difference between the market value at the year end and opening market value (or purchase date if later). Realised and unrealised investment gains and losses are combined in the Statement of Financial Activities.

Financial instruments

The charity has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments. Financial instruments are recognised in the charity’s Balance Sheet when the charity becomes party to the contractual provisions of the instrument. Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include trade and other debtors, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest.

Other financial assets

Other financial assets, including investments in equity instruments which are not subsidiaries, associates or joint ventures, are initially measured at fair value, which is normally the transaction price. Such assets are subsequently carried at fair value and the changes in fair value are recognised in the Statement of Financial Activities, except that investments in equity instruments that are not publicly traded and whose fair values cannot be measured reliably are measured at cost less impairment.

Impairment of financial assets

Financial assets, other than those held at fair value through the Statement of Financial Activities, are assessed for indicators of impairment at each reporting end date. Financial assets are impaired where there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows have been affected. The impairment loss is recognised in the statement of financial activities.

De-recognition of financial assets

Financial assets are de-recognised only when the contractual rights to the cash flows from the asset expire, or when the charity transfers the financial asset and substantially all the risks and rewards of ownership to another entity.

Page 14 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

Classification of financial liabilities

Financial liabilities and equity instruments are classified according to the substance of the contractual arrangements entered into. An equity instrument is any contract that evidences a residual interest in the assets of the charity after deducting all of its liabilities. Basic financial liabilities, including trade and other creditors are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future receipts discounted at a market rate of interest.

De-recognition of financial liabilities

Financial liabilities are de-recognised when, and only when, the charity’s obligations are discharged, cancelled, or they expire.

Fund accounting

Restricted funds are used for specified purposes laid down by the donor. Unrestricted funds are donations and other incoming resources received or generated for expenditure on the general objectives of the charity. Designated funds are unrestricted funds which have been designated for specific purposes by Central Council.

Further details of each fund are disclosed in note 10.

Incoming resources

All income is recognised once the charity has entitlement to the income, there is sufficient certainty or receipt and so it is probable that the income will be received, and the amount of income receivable can be measured reliably.

Donations, are recognised when they have been communicated and received in writing with notification of both the amount and settlement date. In the event that a donation is subject to conditions that require a level of performance before the charity is entitled to the funds, the income is deferred and not recognised until either those conditions are fully met, or the fulfilment of those conditions is wholly within the control of the charity and it is probable that those conditions will be fulfilled in the reporting period.

Legacy gifts are recognised on a case by case basis following the granting of probate when the administrator/ executor for the estate has communicated in writing both the amount and settlement date.

In the event that the gift is in the form of an asset other than cash or a financial asset traded on a recognised stock exchange, recognition is subject to the value of the gift being reliably measurable with a degree of reasonable accuracy and the title to the asset has been transferred to the charity.

Income from investments

Investment income comprises dividends and interest receivable on listed investments.

Page 15 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred.

  1. Costs of raising funds are those costs incurred in attracting voluntary income, and those incurred in trading activities that raise funds.

  2. Charitable activities comprise those costs incurred by the charity in the delivery of its activities and services for its members.

  3. Governance costs include those costs associated with meeting constitutional and statutory requirements and include the audit fees and costs linked to the strategic management of the charity.

  4. Support costs have been allocated between governance costs and other support costs. Governance costs include those costs incurred in the governance of the Trust and its assets and are primarily associated with constitutional and statutory requirements. All costs are allocated between the expenditure categories of the Statement of Financial Activities on a basis designed to reflect the use of resource. Costs relating to a particular activity are allocated directly. The method of allocation is unchanged from the previous year.

2 Taxation

On the basis of these financial statements no provision has been made for corporation tax.

3
Income
Income is stated after charging:
Auditor’s remuneration
4
Investment income
Dividends receivable from investments
Bank interest
2021
£
2,810
2021
£
79,802
64
79,866
2020
£
2,610
2020
£
344,908
880
345,788

All investment income in 2021 and 2020 relate to unrestricted funds.

Page 16 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

Investment management costs 2021 2020
£ £
Management fees 10,458 10,983
All investment management in costs in 2021 and 2020 relate to unrestricted funds.

5 Investment management costs

6
Charitable activities
Charitable donations – contributions to charities
In accordance with resolution of the council May 2020
In accordance with resolution of the council November 2020
Support costs in relation to charitable activities
Clerk’s honorarium
Accountancy fees
Bank charges
Sundry expenses
Loss/(Profit) on foreign exchange
Governance costs in relation to charitable activities
Audit fees
Legal and professional fees
2021
£
-
132,260
132,260
9,000
6,040
123
215
2,098
149,736
2,810
-
152,546
2020
£
207,863
226,136
433,999
8,699
5,514
857
(248)
448,821
2,610
-
451,431

The council did not receive any remuneration for their services as members of the council during the year. In addition to the Clerk's honorarium of £9,000 (2020: £8,699), the Clerk received a total of £215 (2020: £719) for reimbursement of travel, subsistence, telephone, postage and sundry running expenses during the year.

All charitable activities in 2021 and 2020 relate to unrestricted funds.

Page 17 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

7 Fixed asset investments

Cost or market value brought forward
Additions
Revaluation
Disposals
At 5 April 2021
Investment analysis
22,400,201 Trustee shares of 25p each in
Crerar Hotel Group Limited
Listed UK equities
2021
£
9,957,511
713,567
1,156,881
(716,549)
11,111,410
5,600,050
5,511,360
11,111,410
2020
£
10,405,260
5,070,131
(460,371)
(5,057,509)
9,957,511
5,600,050
4,357,461
9,957,511

The Crerar Trust owns 50% of the voting rights in Crerar Hotel Group Limited. In the period ended 27 March 2021 the Crerar Hotel Group made a loss of £2,037,399 and had net assets of £24,878,839.

8 Analysis of current assets

8
Analysis of current assets
Cash at bank
All cash at bank in 2021 and 2020 relate to unrestricted funds.
9
Analysis of current liabilities
Accruals
2021
£
246,644
246,644
2021
£
9,050
2020
£
242,583
242,583
2020
£
7,481

All creditors in 2021 and 2020 relate to unrestricted funds.

Page 18 of 22

The Crerar Trust Notes to the financial statements For the year ended 5 April 2021

10 Movement in funds

Capital funds consist of the trustee shares which the charity holds in the related party, Crerar Hotel Group Limited. In accordance with the Trust Deed, the trustees are restricted from disposing of these shares and the income from these must be utilised for charitable purposes.

Unrestricted income funds consist of income derived from the designated funds and the charity capital fund which is expended in accordance with the directions of the council for charitable purposes. The income is treated as unrestricted income.

Designated funds are funds set aside by the trustees for investment and managed by Schroders PLC to provide a growing income stream for the charity. The trustees are empowered to utilise the capital for charitable purposes if deemed appropriate.

11 Analysis of charitable funds

Analysis of Fund
movements
Restricted funds
Designated funds
Unrestricted funds
Total
Balance
6 April 2020
£
5,600,050
4,516,254
76,309
10,192,613
Income
£
-
-
79,866
79,866
Expenditure
£
-
-
(163,004)
(163,004)
Investment
movements
£
-
1,239,529
-
1,239,529
Funds
5 April 2021
£
5,600,050
5,755,783
(6,829)
11,349,004

Funds are accounted for as detailed in the accounting policies in note 1. All funds are held for charity purposes.

11 Analysis of charitable funds (continued)

Prior year comparative

Analysis of Fund Balance Investment Funds
movements 6 April 2019 Income Expenditure movements 5 April 2020
£ £ £ £ £

Page 19 of 22

The Crerar Trust

Notes to the financial statements For the year ended 5 April 2021

Crerar Trust
s to the financial statements
heyear ended 5 April 2021
Restricted funds
Designated funds
Unrestricted funds
Total
5,600,050
4,887,254
192,935
10,680,239
-
-
345,788
345,788
-
-
(462,414)
(462,414)
-
(371,000)
-
(371,000)
5,600,050
4,516,254
76,309
10,192,613

Funds are accounted for as detailed in the accounting policies in note 1. All funds are held for charity purposes.

12 Related party relationships and transactions

The charity has a non-trading subsidiary, the North British Hotel Cancer and Leukaemia in Childhood Edinburgh Trust.

During the year donations of £nil (2020: £25,000) were made to HIT Scotland, a charity for which Paddy Crerar CBE acts as a patron.

During the year £25,000 (2020: £Nil) was paid to Crerar Hotel Group Limited, in support of its ‘Local Heroes’ campaign. Paddy Crerar CBE is a director and shareholder of Crerar Hotel Group Limited.

13 COVID 19 and events after the reporting date

The Trustees have considered the ongoing impact of COVID-19 on the charity and have concluded that any adverse effect will be relatively low.

The charity has provided a loan facility to Crerar Hotel Group Limited in October 2021. The facility provides for the company to draw upon £2,000,000 of loan finance. The loan facility is for a seven-year term, with the loan principal to be repaid as a bullet repayment at the end of the loan term. The loan bears interest at 3% per annum, with such interest to be rolled-up to be paid at the settlement of the loan.

Page 20 of 22

The Crerar Trust Detailed trading and profit and loss account For the year ended 5 April 2021

Income from investments
Investment portfolio
Bank interest received
Direct charitable expenditure
Charitable donations
Administrative expenses
Clerk's honorarium
Investment management fees
Legal and professional fees
Accountancy fees
Audit fees
Bank charges
Sundry expenses
Loss/(Profit) on foreign exchange
Excess of expenditure over income
2021
£
£
79,802
64
79,866
132,260
(132,260)
9,000
10,458
-
6,040
2,810
123
215
2,098
(30,744)
(83,138)
2020
£
£
344,908
880
345,788
433,999
(433,999)
8,699
10,983
-
5,514
2,610
-
857
(248)
(28,415)
(116,626)

Page 21 of 22

The Crerar Trust Schedule of administrative expenses For the year ended 5 April 2021

In accordance with resolution of the Council
Aberdeen Association of Social Service
Aboyne and District Men's Shed
Able2 Adventure
Argyll Couple Counselling
Cerebral Palsy Scotland
Cove Park
Day1 Limited
Kidney Kids Scotland
Lifelites
Lochaber Sensory care
MND Scotland
Over the Wall
Physical
Prince's Trust
Scotland's Charity Air Ambulance
St Andrew's First Aid
Tiny Tickers
Crerar Hotels – ‘Local Heros’ Campaign
£
15,000
4,000
5,600
275
5,000
1,200
15,000
12,700
7,000
3,000
3,750
5,000
2,200
10,000
8,000
7,000
2,535
25,000
132,260

Page 22 of 22