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2021-07-31-accounts

REGISTERED CHARITY NUMBER: 231853

REPORT OF THE TRUSTEES AND UNAUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

FOR

OXFORD JEWISH CONGREGATION

Bronsens Chartered Certified Accountants 6 Langdale Court Witney Oxfordshire OX28 6FG

OXFORD JEWISH CONGREGATION

CONTENTS OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

Page
Reference and Administrative Details 1
Report of the Trustees 2 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 13
Detailed Statement of Financial Activities 14 to 15

OXFORD JEWISH CONGREGATION

REFERENCE AND ADMINISTRATIVE DETAILS FOR THE YEAR ENDED 31 JULY 2021

REGISTERED CHARITY NUMBER

231853

PRINCIPAL ADDRESS

21 Richmond Road Oxford OX1 2JL

TRUSTEES

Council members

The following served as Council members and Trustees during the year:

President:

Mr J Kaye, Mrs K Shock

Treasurer:

Ms J Shatz

Secretary: Ms S Montagu

Council members:

Dr G Blumberg Dr T Davison Mrs S Fleming Mr B Freilich - co-opted 9 February 2021 C Goldstein - co-opted 9 February 2021 Prof M Goodman - co-opted 12 October 2020 Mr J. Morris - co-opted 9 February 2021 Ms Y Parnes Mr A Samuel Ms S Sheppard Mrs J Silver Mr M Simon

All elected members of Council are Trustees of Council for the purposes of the Charity Commission. The Treasurer is responsible for the co-ordination of the administration of the Trust, correspondence, maintenance of financial records, expenditure payments and monitoring estimates of income and expenditure, cash flow and reporting the day-to-day activities to the Trustees and other members of the Council.

INDEPENDENT EXAMINER

Bronsens Chartered Certified Accountants 6 Langdale Court Witney Oxfordshire OX28 6FG

INVESTMENT ADVISERS

J. M. Finn & Co 4 Coleman Street London EC2R 5TA

Page 1

OXFORD JEWISH CONGREGATION

REPORT OF THE TRUSTEES FOR THE YEAR ENDED 31 JULY 2021

The trustees present their report with the financial statements of the charity for the year ended 31 July 2021. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2015).

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity was formed under a Deed of Constitution dated 22 June 1978, slightly amended (for practical reasons) on 19 December 1993 and 11 December 1994 and thoroughly revised and amended on 25 January 2015, to carry out the activities described below.

Organisational structure

The Oxford Jewish Congregation (OJC) is managed by a Committee of Trustees, known as the Council, and comprising the honorary officers, elected annually by the membership, together with other elected and coopted members. Council members in 2020-2021 are listed above.

Members of the Congregation pay annual subscriptions at one of several rates, depending on circumstances, as well as any additional donations which they see fit to make.

The Trustees delegate investment authority and management to an Investment Committee, the members of which may or may not be Trustees. The Investment Committee reports regularly to the Council.

Risk management

The trustees carry out regular reviews of the activities of the charity and of the systems in use. This is for the purpose of planning for the future and assessing and managing any major risks likely to affect the operation of the trust. The Trustees are satisfied that systems are in place to mitigate exposure to major risks.

OBJECTIVES AND ACTIVITIES

Objectives and aims

The objects of the charity include the advancement of the Jewish religion by the maintenance of Religious Services and Hebrew and Religion Classes; other activities to promote the welfare of the Jews of Oxford and its surroundings; and other charitable purposes, such as a kosher meals service for Jewish students and education about Jewish affairs among the general population. Its religious services (including burial arrangements) and membership are available to all those of the Jewish faith. It nominates three of the directors of the Oxford Synagogue and Jewish Centre Limited (OSJCL); the Chairman of the OSJCL Management Committee attends meetings of its Council by invitation.

The Trustees have continued to maintain their aims and objectives as outlined above and described in the body of this Annual Report.

Ensuring we meet our aims

The Trustees review the aims, objectives and activities each year. We look at what we have achieved in terms of the success of each key activity and the benefits we have brought to the community. This review also helps us to ensure our aims, objectives and activities remain focussed on our stated purposes. We have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing our aims and objectives and in planning our future activities. In particular the Trustees consider how planned activities will contribute to the aims and objectives we have set.

Significant activities

Religious services for several denominations have continued to run through the year, adapted as required by the restrictions imposed by the pandemic. Educational services for both adults and children have continued, both in person and on-line. Activities to promote the welfare of the Jews of Oxford and the wider area have been conducted in many different fields. These include hospital visiting and a luncheon club for older members. Outreach to the wider community has continued to be an area of strength, not only through the education programme both at schools and for visiting parties of all ages, but also in the maintenance of the community's deep involvement in Interfaith work in the Oxford area.

Page 2

OXFORD JEWISH CONGREGATION

REPORT OF THE TRUSTEES

FOR THE YEAR ENDED 31 JULY 2021

Grantmaking

The trustees have the discretion to make grants to OSJCL towards the running costs of the Oxford synagogue buildings in which these activities take place. The trustees also have the discretion to make grants for any other purpose that they feel fits in with the charity's objectives.

Volunteers

The trustees gratefully acknowledge the contribution of the many volunteers without whose efforts the programme of activities would not be possible.

ACHIEVEMENT AND PERFORMANCE

Charitable activities

The OJC has had a successful year in furthering the aims of the charity’s objectives through its diverse activities. The results for the year are set out in the statement of financial activities on the following pages.

FINANCIAL REVIEW

Investment policy and objectives

The Trustees' investment powers are stated in the Trust Deed. As at 31 July 2021, the Charity held investments valued at £1,283,689 (2020: £1,136,396).

Reserves policy

The trustees regularly review the company's financial position to ensure that sufficient reserves are held to meet any foreseeable liabilities and commitments.

Financial Position

Total incoming resources for the year amounted to £250,208 (2020: £332,161). Total expenditure for the year was £333,569 (2020: £299,686). Net gains on investment assets were £156,691 (2020: losses of £68,238) giving a surplus for the year of £73,330 (2020: deficit of £35,763).

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.

Approved by order of the board of trustees on 7 December 2021 and signed on its behalf by:

Ms S Montagu (Secretary) - Trustee

Page 3

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF OXFORD JEWISH CONGREGATION

Independent examiner's report to the trustees of Oxford Jewish Congregation

I report to the charity trustees on my examination of the accounts of Oxford Jewish Congregation (the Trust) for the year ended 31 July 2021.

Responsibilities and basis of report

As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the Trust's accounts carried out under section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

Since your charity's gross 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 because I am a registered member of ICAEW which is one of the listed bodies.

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning 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 connection 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.

Philip J Burton FCA ICAEW Bronsens Chartered Certified Accountants 6 Langdale Court Witney Oxfordshire OX28 6FG

7 December 2021

Page 4

OXFORD JEWISH CONGREGATION

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 JULY 2021

Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
2
Investment income
3
Total
EXPENDITURE ON
Raising funds
4
Charitable activities
5
Religious services and other costs
Grants paid
New chairs and kitchen refurbishment
Other
8
Total
Net gains/(losses) on investments
NET INCOME/(EXPENDITURE)
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
fund
£
205,472
12,893
218,365
3,782
92,935
119,460
55,125
32,505
303,807
64,369
(21,073)
514,676
493,603
Restricted
fund
£
8,294
23,849
32,143
5,627
17,746
5,000
-
1,689
30,062
92,322
94,403
746,357
840,760
31.7.21
Total
funds
£
213,766
36,742
250,508
9,409
110,681
124,460
55,125
34,194
333,869
156,691
73,330
1,261,033
1,334,363
31.7.20
Total
funds
£
288,250
43,911
332,161
9,235
110,849
100,514
54,000
25,088
299,686
(68,238)
(35,763)
1,296,796
1,261,033

The notes form part of these financial statements

Page 5

OXFORD JEWISH CONGREGATION

BALANCE SHEET 31 JULY 2021

Notes
FIXED ASSETS
Investments
10
CURRENT ASSETS
Debtors
11
Cash at bank
CREDITORS
Amounts falling due within one year
12
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT LIABILITIES
NET ASSETS
FUNDS
13
Unrestricted funds
Restricted funds
TOTAL FUNDS
Unrestricted
fund
£
515,158
29,471
2,817
32,288
(53,843)
(21,555)
493,603
493,603
Restricted
fund
£
768,531
1,302
70,927
72,229
-
72,229
840,760
840,760
31.7.21
Total
funds
£
1,283,689
30,773
73,744
104,517
(53,843)
50,674
1,334,363
1,334,363
493,603
840,760
1,334,363
31.7.20
Total
funds
£
1,136,396
32,633
96,623
129,256
(4,619)
124,637
1,261,033
1,261,033
514,676
746,357
1,261,033

The financial statements were approved by the Board of Trustees and authorised for issue on 7 December 2021 and were signed on its behalf by:

Mr J Kaye - Trustee

Ms J Shatz - Trustee

The notes form part of these financial statements

Page 6

OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 JULY 2021

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention, with the exception of investments which are included at market value, as modified by the revaluation of certain assets.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Allocation and apportionment of costs

All expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all costs related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with use of the resources.

Taxation

The charity is exempt from tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

Fixed asset investments

Quoted fixed asset equity investments are included in the accounts at their market value at the balance sheet date. This gives rise to unrealised gains and losses which are include on the face of the Statement of Financial Activities.

Page 7

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

2. DONATIONS AND LEGACIES

Donations
Gift aid
Legacies
Subscriptions
Security levy
Burials
Education
Kiddush
Hill End
Kaytana
George Silver Fund donations
Kol Nidre Appeal donations
Board of Deputies donations
Gatehouse Project donations
Donations for new chairs and kitchen refurbishment
Cemetery upkeep donations
Sundry income
31.7.21
£
10,936
37,924
-
90,133
8,973
32,597
5,554
-
-
2,740
150
7,234
3,243
66
150
12,462
1,604
213,766
31.7.20
£
12,800
32,499
16,520
111,154
8,473
24,478
8,990
3,348
110
1,658
2,070
10,150
3,030
785
49,000
-
3,185
288,250

Donations made under the headings George Silver Fund, Kol Nidre Appeal, Board Of Deputies and Gatehouse Project are made by individual members of the Oxford Jewish Congregations and are passed on in full in the year of collection to the relevant charitable organisation. These payments are part of the total for religious expenditure shown in Note 5.

3.

INVESTMENT INCOME

INVESTMENT INCOME
31.7.21 31.7.20
£ £
Income from investment portfolios 36,734 43,688
Deposit account interest 8 223
36,742 43,911

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

4. RAISING FUNDS

Investment management costs

Investment management costs
31.7.21 31.7.20
£ £
Portfolio management 9,409 9,235

5. CHARITABLE ACTIVITIES COSTS

6.

Religious services and other costs
Grants paid
New chairs and kitchen refurbishment
GRANTS PAYABLE
Grants paid
New chairs and kitchen refurbishment
The total grants paid to institutions during the year was as follows:
Grants to Oxford Synagogue & Jewish Centre
Grants to OSJC for new chairs and kitchen refurbishment
Grant to Oxford Museum
Direct
Costs
£
110,681
-
-
110,681
Grant
funding of
activities
(see note
6)
£
-
124,460
55,125
179,585
31.7.21
£
124,460
55,125
179,585
31.7.21
£
115,200
55,125
5,000
175,325
Totals
£
110,681
124,460
55,125
290,266
31.7.20
£
100,514
54,000
154,514
31.7.20
£
98,769
54,000
-
152,769

The amount shown as paid to the Oxford Synagogue and Jewish Centre Limited is the same as that received by that charity in the period.

The total grants paid to individuals during the year was as follows:

31.7.21 31.7.20
£ £
Education grants from the HH Posner Fund - 1,745
Hardship Fund grants 4,260 -
4,260 1,745

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

7. SUPPORT COSTS

SUPPORT COSTS
Governance
costs
£
Other resources expended 29,760

Support costs, included in the above, are as follows:

8. OTHER

OTHER
31.7.21 31.7.20
£ £
Board of Deputies 495 495
Oxford Menorah and OJC News 1,689 1,732
Chief Rabbinate Trust - 750
Liberal Judaism 500 500
Other donations 1,750 1,583
Support costs 29,760 20,028
34,194 25,088

9. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 July 2021 nor for the year ended 31 July 2020.

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 July 2021 nor for the year ended 31 July 2020.

10. FIXED ASSET INVESTMENTS

MARKET VALUE
At 1 August 2020
Additions
Disposals
Revaluations
At 31 July 2021
NET BOOK VALUE
At 31 July 2021
At 31 July 2020
Listed
investments
£
1,136,396
269,554
(269,895)
147,634
1,283,689
1,283,689
1,136,396

There were no investment assets outside the UK.

The fixed asset investments are realisable on a short term basis and can be sold to provide funds for charitable purposes as required.

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

11. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.7.21 31.7.20
£ £
Other debtors 1,635 2,633
Income tax recoverable 29,138 30,000
30,773 32,633
CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.7.21 31.7.20
£ £
Other creditors 36,612 -
Kol Nidre - 1,019
Accrued expenses 17,231 3,600
53,843 4,619

12. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

Other creditors represent amounts owed internally between the General and HH Posner Funds.

13. MOVEMENT IN FUNDS

Unrestricted funds
General fund
Restricted funds
HH Posner Fund
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
General fund
218,365
Restricted funds
HH Posner Fund
32,143
TOTAL FUNDS
250,508
At 1.8.20
£
514,676
746,357
1,261,033
Resources
expended
£
(303,807)
(30,062)
(333,869)
Net
movement
in funds
£
(21,073)
94,403
73,330
Gains and
losses
£
64,369
92,322
156,691
At
31.7.21
£
493,603
840,760
1,334,363
Movement
in funds
£
(21,073)
94,403
73,330

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

13. MOVEMENT IN FUNDS - continued

Comparatives for movement in funds

Unrestricted funds
General fund
Restricted funds
HH Posner Fund
TOTAL FUNDS
At 1.8.19
£
503,445
793,351
1,296,796
Net
movement
in funds
£
11,231
(46,994)
(35,763)
At
31.7.20
£
514,676
746,357
1,261,033

Comparative net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
Restricted funds
HH Posner Fund
TOTAL FUNDS
Incoming
resources
£
293,971
38,190
332,161
Resources
expended
£
(259,018)
(40,668)
(299,686)
Gains and
Movement
losses
in funds
£
£
(23,722)
11,231
(44,516)
(46,994)
(68,238)
(35,763)

A current year 12 months and prior year 12 months combined position is as follows:

Unrestricted funds
General fund
Restricted funds
HH Posner Fund
TOTAL FUNDS
At 1.8.19
£
503,445
793,351
1,296,796
Net
movement
in funds
£
(9,842)
47,409
37,567
At
31.7.21
£
493,603
840,760
1,334,363

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OXFORD JEWISH CONGREGATION

NOTES TO THE FINANCIAL STATEMENTS - continued FOR THE YEAR ENDED 31 JULY 2021

13. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds
General fund
Restricted funds
HH Posner Fund
TOTAL FUNDS
Incoming
resources
£
512,336
70,333
582,669
Resources
expended
£
(562,825)
(70,730)
(633,555)
Gains and
Movement
losses
in funds
£
£
40,647
(9,842)
47,806
47,409
88,453
37,567

14. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 July 2021.

15. THE HH POSNER FUND

Following the death of Henry Hyman Posner in 2007, the charity received a legacy in the form of a commercial investment property in Oxford. In October 2014 the property asset was sold for £664,188, realising a gain of £314,188 over the value attributed to the original Posner bequest. After settling legal fees relating to the sale, the Trustees invested the balance of the proceeds in a separate portfolio of investments managed by JM Finn & Co. This asset and income arising from it forms the basis of the Fund which is a restricted fund whose income is to be used for educational purposes within the Oxford Jewish community. Timing issues mean that not all income from the restricted capital may be expended within the period it is received.

In the year ended 31 July 2021 investment income of £23,849 (2020: £27,432) was received. Investment management costs were £5,627 (2020: £5,455).

Net charitable expenditure was £18,881 (2020: £23,201). This was made up of Menorah costs of £1,689 (2020: £1,241), Hill End camp costs of £229 (2020: £nil), child education of £7,593 (2020: £16,328), adult education of £4,370 (2020: £3,887), Kaytana of £nil (2020: £1,254) and grants to individuals and groups of £5,000 (2020: £1,745).

At 31 July 2021 the value of the HH Posner Fund stood at £840,760 (2020: £746,357).

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OXFORD JEWISH CONGREGATION

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 JULY 2021

31.7.21 31.7.20
£ £
INCOME AND ENDOWMENTS
Donations and legacies
Donations 10,936 12,800
Gift aid 37,924 32,499
Legacies - 16,520
Subscriptions 90,133 111,154
Security levy 8,973 8,473
Burials 32,597 24,478
Education 5,554 8,990
Kiddush - 3,348
Hill End - 110
Kaytana 2,740 1,658
George Silver Fund donations 150 2,070
Kol Nidre Appeal donations 7,234 10,150
Board of Deputies donations 3,243 3,030
Gatehouse Project donations 66 785
Donations for new chairs and kitchen
refurbishment 150 49,000
Cemetery upkeep donations 12,462 -
Sundry income 1,604 3,185
213,766 288,250
Investment income
Income from investment portfolios 36,734 43,688
Deposit account interest 8 223
36,742 43,911
Total incoming resources 250,508 332,161
EXPENDITURE
Investment management costs
Portfolio management 9,409 9,235
Charitable activities
Religious services 11,233 11,704
Burials 34,275 17,812
Childrens' education 13,112 23,623
Community affairs 30,660 29,253
Kiddush 42 4,154
Playshul 35 1,805
Adult education 4,370 3,887
Hill End expenses 229 -
Carried forward 93,956 92,238

This page does not form part of the statutory financial statements

Page 14

OXFORD JEWISH CONGREGATION

DETAILED STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 JULY 2021

31.7.21 31.7.20
£ £
Charitable activities
Brought forward 93,956 92,238
Kaytana 3,755 2,912
George Silver Fund payments 150 2,070
Kol Nidre Appeal payments 8,537 10,150
Board of Deputies payments 3,243 3,030
Gatehouse Project payments 1,040 449
Grants to Oxford Synagogue and Jewish Centre
Limited 175,325 152,769
Grants to individuals 4,260 1,745
290,266 265,363
Other
Board of Deputies 495 495
Oxford Menorah and OJC News 1,689 1,732
Chief Rabbinate Trust - 750
Liberal Judaism 500 500
Other donations 1,750 1,583
4,434 5,060
Support costs
Governance costs
Accountancy 3,600 3,480
Security costs 8,973 8,473
Office administration 8,401 6,812
Other expenses 8,786 1,263
29,760 20,028
Total resources expended 333,869 299,686
Net (expenditure)/income before gains and
losses (83,361) 32,475
Realised recognised gains and losses
Unrealised gains/(losses) on fixed asset
investments 150,237 (14,369)
Realised gains/(losses) on disposal of fixed
asset investments 6,454 (53,869)
Net income/(expenditure) 73,330 (35,763)

This page does not form part of the statutory financial statements

Page 15