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2021-11-30-accounts

REGISTERED CHARITY NUMBER: 274879

Report of the Trustees and

Unaudited Financial Statements for the Year Ended 30 November 2021

for

The Lionel Abel-Smith Trust

Johnsons Chartered Accountants Morton House 9 Beacon Court Pitstone Green Business Park Pitstone Buckinghamshire LU7 9GY

The Lionel Abel-Smith Trust

Contents of the Financial Statements for the Year Ended 30 November 2021

Page
Report of the Trustees 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5
Balance Sheet 6
Notes to the Financial Statements 7 to 14
Detailed Statement of Financial Activities 15 to 16

The Lionel Abel-Smith Trust

for the Year Ended 30 November 2021

Report of the Trustees

The trustees present their report with the financial statements of the charity for the year ended 30 November 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 2019).

OBJECTIVES AND ACTIVITIES

Objectives and aims for the public benefit

As stated in the original Trust Deed, the Settlor established the Trust "For the benefit of the institutions and inhabitants of the village of Wendover". The objects of the Trust are "To make payments and generally apply the Trust Fund and the income there from for such charitable or educational institutions of the village of Wendover, Buckinghamshire, and also for such general charitable purposes for the benefit of Wendover or any of its inhabitants as the Trustees shall determine and the Trustees shall particularly consider the variety of institutions of the village of Wendover and the diverse needs of its people".

The Trust is also able to consider applications from Moor Park, an estate owned and managed by VAHT just slightly beyond the Wendover Parish boundary.

In order to achieve these objectives, the Trust normally advertises widely during the months of January and February, inviting applications to be sent to the Clerk by 28th February. The Trust takes every opportunity to promote its work and the availability of grants. The Trustees have referred to the Charity Commission's general guidance on public benefit when reviewing the aims and objectives and when planning future activities and setting the grant making policy for the year.

ACHIEVEMENT AND PERFORMANCE

Charitable activities

The Trust undertakes its charitable activities through grant making. Applications for grants are considered under the headings Education, Elderly, Individual, Medical and Organisations.

The total grants awarded during this financial year can be summarised as follows:-

Institutions Individuals
Education in the Wendover Community £14,500 £8,950
Medical & elderly welfare in the Wendover Community £12,000 £3,332
Other areas that benefit the Wendover Community £6,000 £11,218
£32,500 £23,500

Note 5 in the accounts gives further details of the significant institutional grants made during the year.

Page 1

The Lionel Abel-Smith Trust

Report of the Trustees

for the Year Ended 30 November 2021

FINANCIAL REVIEW

Financial Review

The Trust is reliant on the income from its properties and its investments which amounted in the 12 months covered by the report to £211,705. The income of running the trust exceeded the grants and expenses by £64,070 to increase the unrestricted funds to £218,814.

The value of investments in the Endowment Funds increased by a total of £687,458. With the property investment increasing by £634,458 and the other investments by £53,000.

Funds at the year end were:

Unrestricted Funds: £218,814 Endowment Funds: £4,775,175

The financial policy of the Trust is to keep the endowment fund intact and to provide grants out of income - current or accumulated. The unrestricted fund, a major part of which is in interest-bearing accounts, is therefore freely available to fund the activities of the Trust. The unrestricted fund is required to meet anticipated future property expenses and still enable the funding of grants.

FUTURE PLANS

The Trust intends to continue its work to benefit the Wendover community and to attract appropriate applications for grants from as wide a spectrum of the community as possible.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

The Trust is an unincorporated trust constituted under a settlement dated 1st December 1977 and is a registered charity (No. 274879). The Trust was established by an initial gift of property from Mr Lionel Abel-Smith, the Lord of the Manor of Wendover. Over the years, Mr Abel-Smith gave the Trust further property and shares. The Trust does not actively fundraise and seeks to continue its work through careful stewardship of its existing resources.

Recruitment and appointment of new trustees

The Trustees are either Foundation Trustees or Community Trustees.

The Foundation Trustees, initially called 'Original Trustees', were four in number and were appointed by the Settlor. Subsequently, with the authority of the Charity Commission, their number was increased to six on a temporary basis. In May 2017, The Charity Commission agreed that the number of Foundation Trustees be increased to a maximum of seven. The total number of Foundation Trustees could therefore range from a minimum of four to a maximum of seven.

The Community Trustees are three in number and are appointed by Wendover Parish Council, Buckinghamshire Council and The Wendover Society.

Induction and training of new trustees

The induction process for any newly appointed Trustee usually comprises an initial meeting with the Chairman, the Vice Chairman, the Clerk and the Treasurer. A brief history of the Trust is given, its purpose outlined and ways in which the Trust has helped the people and organisations of Wendover over the years discussed. Current projects are outlined.

The Trustees invite applications for grants to be considered at their Annual Meeting which is held in April. The majority of applications are handled this way, but applications are also considered throughout the year. These are dealt with primarily by the Clerk, the Chairman and one of the Trustees. If there is anything contentious all the Trustees are consulted. In addition, the Chairman and Vice Chairman are in frequent contact with the Land Agent who manages the properties and collects the rents. He reports to the Trustees at their Annual Meeting.

Page 2

The Lionel Abel-Smith Trust

Report of the Trustees for the Year Ended 30 November 2021

REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number

274879

Principal address

51 Dobbins Lane Wendover Buckinghamshire HP22 6DL

Trustees

Dr G Williams Chair and Foundation Trustee M Clayton Vice Chair and Foundation Trustee R Duggan Vice Chair and Foundation Trustee W Gray Foundation Trustee S Potter Foundation Trustee S Bishop Foundation Trustee C Harrington Foundation Trustee S Bowles Community Trustee J Mayhead CBE Community Trustee

Independent Examiner

Edmund Cartwright FCCA MAAT Johnsons Chartered Accountants Morton House 9 Beacon Court Pitstone Green Business Park Pitstone Buckinghamshire LU7 9GY

Advisers

Clerk to the Trustees Angela German

Treasurer Matt Ryan FCCA

Land Agent

Andrew Robson MRCIS, Sidleys Chartered Surveyors, Oxford

Investment Managers

Rathbones Investment Management Ltd, 1 Curzon Street, London W1J 5FB

Bankers

Lloyds Bank

Approved by order of the board of trustees on ............................................. and signed on its behalf by:

........................................................................ R Duggan - Trustee

Page 3

Independent Examiner's Report to the Trustees of The Lionel Abel-Smith Trust

Independent examiner's report to the trustees of The Lionel Abel-Smith Trust

I report to the charity trustees on my examination of the accounts of The Lionel Abel-Smith Trust (the Trust) for the year ended 30 November 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

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.

Edmund Cartwright FCCA MAAT Johnsons Chartered Accountants Morton House 9 Beacon Court Pitstone Green Business Park Pitstone Buckinghamshire LU7 9GY

Date: .............................................

Page 4

The Lionel Abel-Smith Trust

Statement of Financial Activities for the Year Ended 30 November 2021

Notes
INCOME AND ENDOWMENTS FROM
Investment income
2
Other income
3
Total
EXPENDITURE ON
Raising funds
4
Charitable activities
5
Education
Medical & Elderly Welfare
Other areas of benefit
Total
Net gains/(losses) on investments
NET INCOME/(EXPENDITURE)
RECONCILIATION OF FUNDS
Total funds brought forward
TOTAL FUNDS CARRIED FORWARD
Unrestricted
fund
£
211,705
4,683
216,388
86,599
26,008
18,145
21,566
152,318
-
64,070
154,814
218,884
Endowment
fund
£
-
-
-
3,109
-
-
-
3,109
687,458
684,349
4,090,826
4,775,175
30.11.21
Total
funds
£
211,705
4,683
216,388
89,708
26,008
18,145
21,566
155,427
687,458
748,419
4,245,640
4,994,059
30.11.20
Total
funds
£
192,110
-
192,110
51,086
50,524
23,465
62,546
187,621
(16,408)
(11,919)
4,257,559
4,245,640

The notes form part of these financial statements

Page 5

The Lionel Abel-Smith Trust

Balance Sheet

30 November 2021

Notes
FIXED ASSETS
Investments
Investments
10
Investment property
11
CURRENT ASSETS
Debtors
12
Cash at bank
CREDITORS
Amounts falling due within one year
13
NET CURRENT ASSETS
TOTAL ASSETS LESS CURRENT
LIABILITIES
CREDITORS
Amounts falling due after more than one year
14
NET ASSETS
FUNDS
15
Unrestricted funds
Endowment funds
TOTAL FUNDS
Unrestricted
fund
£
4,555
21,248
25,803
36,970
209,352
246,322
(53,241)
193,081
218,884
-
218,884
Endowment
fund
£
417,871
4,355,752
4,773,623
-
1,552
1,552
-
1,552
4,775,175
-
4,775,175
30.11.21
Total
funds
£
422,426
4,377,000
4,799,426
36,970
210,904
247,874
(53,241)
194,633
4,994,059
-
4,994,059
218,884
4,775,175
4,994,059
30.11.20
Total
funds
£
362,564
3,742,542
4,105,106
30,656
147,462
178,118
(27,584)
150,534
4,255,640
(10,000)
4,245,640
154,814
4,090,826
4,245,640

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

.............................................

R Duggan - Trustee

The notes form part of these financial statements

Page 6

The Lionel Abel-Smith Trust

Notes to the Financial Statements for the Year Ended 30 November 2021

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The accounts (financial statements) have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note to these accounts. 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) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

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

The financial statements are presented in sterling which is the functional currency of the charity.

Income recognition

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.

Rental income is accounted for on a systematic basis over the period of the lease with the exception of changes arising from COVID-19 rent concessions which are recognised over the periods that the change in lease payments is intended to compensate.

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the bank. Dividends are recognised once the dividend has been declared and notification has been received of the dividend due. This is normally upon notification by our investment advisor of the dividend yield of the investment portfolio.

Expenditure recognition

Expenditure is accounted for on an accruals basis and had been classified under headings that aggregate all cost related to the category.

Governance costs are those incurred in meeting the trust's constitutional and statutory requirements. They include the independent examination fees and other costs linked to the management of the trust.

Grants payable are payments made to third parties in the furtherance of the charitable objectives of the trust. Grants are accounted for when either the recipient has a reasonable expectation that they will receive a grant and the trustees have agreed to pay the grant without condition, or the recipient has a reasonable expectation that they will receive a grant and any condition attached to the grant is outside of the control of the trust. Provisions for grants are made when the intention to make a grant has been communicated to the recipient but there is uncertainty about either the timing of the grant or the amount of the grant payable.

Charitable activities

Costs of charitable activities include grants made, governance costs and an apportionment of support costs as shown in note 4.

Allocation of support and governance costs

Support costs have been allocated between governance costs and other support costs. Governance costs comprise all costs involving the public accountability of the charity and its compliance with regulation and good practice. These costs include costs related to independent examination, together with an apportionment of support costs.

Governance and support costs relating to the charitable activities have been apportioned based on the number of individual grant awards. The allocation of support and governance costs is analysed in note 6.

Fixed asset investments

Investments are stated at market value as at the balance sheet date. The statement of financial activities includes the net gains and losses on revaluation and disposals throughout the year.

continued...

Page 7

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

1. ACCOUNTING POLICIES - continued

Fund accounting

The charity has a permanent endowment. The permanent endowment fund was established within the settlement that created the trust in 1977. The fund was made on condition that it is held as a permanent endowment, the income from which is freely available to the fund the activities of the trust.

The unrestricted fund is available to be spent for any of the purposes of the trust.

Costs of raising funds

The costs of generating funds consist of investment management, property costs and certain legal fees.

2. INVESTMENT INCOME

Rents received
Dividends
Deposit account interest
OTHER INCOME
Grants Repaid
30.11.21
£
200,508
11,185
12
211,705
30.11.21
£
4,683
30.11.20
£
183,048
9,035
27
192,110
30.11.20
£
-

3. OTHER INCOME

Grants of £4,683 were returned in the year due to the activities planned not occurring as a result of of COVID.

4. RAISING FUNDS

Investment management costs

Investment management costs
30.11.21 30.11.20
£ £
Portfolio management 3,109 2,772
Property Improvements 32,992 -
Rent collection 23,262 23,575
Property repairs 16,555 12,416
Insurance 8,367 7,525
Survey & Professional Fees 1,980 -
Bad Debts - 3,600
Other 3,443 1,198
89,708 51,086

continued...

Page 8

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

5. CHARITABLE ACTIVITIES COSTS

5.
CHARITABLE ACTIVITIES COSTS
Grant
funding of
activities
(see note
6)
£
Education
23,450
Medical & Elderly Welfare
15,332
Other areas of benefit
17,218
56,000
6.
GRANTS PAYABLE
Education
Medical & Elderly Welfare
Other areas of benefit
The total grants paid to institutions during the year was as follows:
Education
Medical & Elderly Welfare
Other areas of benefit
John Colet - Lecture Theatre
Florence Nightingale Hospice
Wendover Youth Centre
WRAP - Syrian Family
Halton CC School
Support
costs (see
note 7)
£
2,558
2,813
4,348
9,719
30.11.21
£
23,450
15,332
17,218
56,000
30.11.21
£
14,500
-
6,000
-
-
-
-
12,000
32,500
Totals
£
26,008
18,145
21,566
65,719
30.11.20
£
45,323
22,164
58,862
Totals
£
26,008
18,145
21,566
65,719
126,349
30.11.20
£
6,004
9,409
19,506
22,000
5,000
30,000
6,000
-
97,919
97,919

In 2019 the charity committed to making annual educational grants of £5,000 p.a. for four years. Payment of the grant is dependent upon qualifying criteria being met.

Wendover Youth Centre was awarded a grant of £30,000 in 2020 which is payable over three years, the final instalment of which will be paid in 2022.

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

30.11.21 30.11.20
£ £
Education 8,950 17,319
Medical & Elderly Welfare 3,332 7,755
Other areas of benefit 11,218 3,356
23,500 28,430

continued...

Page 9

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

7. SUPPORT COSTS

Human
resources
£
Education
1,516
Medical & Elderly Welfare
1,667
Other areas of benefit
2,577
5,760
Activity
Basis of allocation
Human resources
Pro-rata apportioned on number of grants
Other
Pro-rata apportioned on number of grants
Other
Totals
£
£
1,042
2,558
1,146
2,813
1,771
4,348
3,959
9,719
Other
Totals
£
£
1,042
2,558
1,146
2,813
1,771
4,348
3,959
9,719
9,719

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

Medical &
Elderly
Education
Welfare
£
£
Honoraria - Support
1,516
1,667
Honoraria - Governance
758
834
Examiners Fee for external
Scrutiny
245
269
Sundry Expenses
39
43
2,558
2,813
30.11.21
30.11.20
Other
areas of
Total
Total
benefit
activities
activities
£
£
£
2,577
5,760
5,760
1,288
2,880
2,880
416
930
1,158
67
149
388
4,348
9,719
10,186
30.11.21
30.11.20
Other
areas of
Total
Total
benefit
activities
activities
£
£
£
2,577
5,760
5,760
1,288
2,880
2,880
416
930
1,158
67
149
388
4,348
9,719
10,186
10,186

8. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 30 November 2021 nor for the year ended 30 November 2020.

Trustees' expenses

There were no trustees' expenses paid for the year ended 30 November 2021 nor for the year ended 30 November 2020.

9. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

INCOME AND ENDOWMENTS FROM
Investment income
EXPENDITURE ON
Raising funds
Charitable activities
Education
Medical & Elderly Welfare
Other areas of benefit
Total
Unrestricted
fund
£
192,110
48,314
50,524
23,465
62,546
184,849
Endowment
fund
£
-
2,772
-
-
-
2,772
Total
funds
£
192,110
51,086
50,524
23,465
62,546
187,621

continued...

Page 10

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

9.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
fund
£
Net gains/(losses) on investments
-
NET INCOME/(EXPENDITURE)
7,261
RECONCILIATION OF FUNDS
Total funds brought forward
147,553
TOTAL FUNDS CARRIED FORWARD
154,814
10.
FIXED ASSET INVESTMENTS
MARKET VALUE
At 1 December 2020
Additions
Disposals
Revaluations
At 30 November 2021
NET BOOK VALUE
At 30 November 2021
At 30 November 2020
- continued
Endowment
fund
£
(16,408)
(19,180)
4,110,006
4,090,826
Total
funds
£
(16,408)
(11,919)
4,257,559
4,245,640
Listed
investments
£
362,564
9,971
(3,109)
53,000
422,426
422,426
362,564

Additions include investment income (net of fees charged) earned in the year being reinvested.

Investments at fair value comprised:

2021 2020
Listed Investments 402,175 349,095
Cash held with investment portfolio 20,251 13,469
422,426 362,564

Cost or valuation at 30 November 2021 is represented by:

Listed
investments
£
Valuation in 2020 362,565
Valuation in 2021 53,000
Cost 6,861
422,426

continued...

Page 11

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

11. INVESTMENT PROPERTY

INVESTMENT PROPERTY
FAIR VALUE
At 1 December 2020
Revaluation
At 30 November 2021
NET BOOK VALUE
At 30 November 2021
At 30 November 2020
£
3,742,542
634,458
4,377,000
4,377,000
3,742,542

Investment properties were valued on an open market basis on 30 November 2021 by the trustees. Fair value at 30 November 2021 is represented by:

Valuation in 2021
Cost
12.
DEBTORS
30.11.21
£
Amounts falling due within one year:
Trade debtors
14,505
Loans
50
Prepayments and accrued income
12,965
27,520
Amounts falling due after more than one year:
Loans
9,450
Aggregate amounts
36,970
£
634,458
3,742,542
£
634,458
3,742,542
4,377,000
30.11.20
£
20,623
-
10,033
30,656
-
30,656
30,656
-
30,656

continued...

Page 12

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

13. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

30.11.21 30.11.20
£ £
Trade creditors 24,480 -
Accruals and deferred income 28,761 27,584
53,241 27,584
Deferred income arises on rentals paid in advance.
14.
CREDITORS: AMOUNTS FALLING DUE AFTER MORE
Accruals and deferred income
15.
MOVEMENT IN FUNDS
Unrestricted funds
General fund
Endowment funds
Endowment Fund
TOTAL FUNDS
Net movement in funds, included in the above are as follows:
Incoming
resources
£
Unrestricted funds
General fund
216,388
Endowment funds
Endowment Fund
-
TOTAL FUNDS
216,388
THAN ONE YEAR
30.11.21
£
-
Net
At
movement
1.12.20
in funds
£
£
154,814
64,070
4,090,826
684,349
4,245,640
748,419
Resources
Gains and
expended
losses
£
£
(152,318)
-
(3,109)
687,458
(155,427)
687,458
30.11.20
£
10,000
At
30.11.21
£
218,884
4,775,175
30.11.20
£
10,000
At
30.11.21
£
218,884
4,775,175
4,994,059
Movemen
in funds
£
64,070
684,349
748,419
748,419

continued...

Page 13

The Lionel Abel-Smith Trust

Notes to the Financial Statements - continued for the Year Ended 30 November 2021

15. MOVEMENT IN FUNDS - continued

Comparatives for movement in funds

Unrestricted funds
General fund
Endowment funds
Endowment Fund
TOTAL FUNDS
Comparative net movement in funds, included in the above are as
Incoming
resources
£
Unrestricted funds
General fund
192,110
Endowment funds
Endowment Fund
-
TOTAL FUNDS
192,110
At
1.12.19
£
147,553
4,110,006
4,257,559
follows:
Resources
expended
£
(184,849)
(2,772)
(187,621)
Net
movement
in funds
£
7,261
(19,180)
(11,919)
Gains and
losses
£
-
(16,408)
(16,408)
At
30.11.20
£
154,814
4,090,826
4,245,640
Movement
in funds
£
7,261
(19,180)
(11,919)

16. RELATED PARTY DISCLOSURES

The trustees all give freely of their time and expertise without any form of remuneration or other benefit in cash, kind or expenses (2020 - £nil).

Included in other support and governance costs are fees of £2,640 (2020 - £2,640) in respect of accountancy services provided by a company controlled by M Ryan, the Treasurer.

Page 14

The Lionel Abel-Smith Trust

Detailed Statement of Financial Activities for the Year Ended 30 November 2021

Detailed Statement of Financial Activities
for the Year Ended 30 November 2021
30.11.21 30.11.20
£ £
INCOME AND ENDOWMENTS
Investment income
Rents received 200,508 183,048
Dividends 11,185 9,035
Deposit account interest 12 27
211,705 192,110
Other income
Grants Repaid 4,683 -
Total incoming resources 216,388 192,110
EXPENDITURE
Investment management costs
Portfolio management 3,109 2,772
Property Improvements 32,992 -
Rent collection 23,262 23,575
Property repairs 16,555 12,416
Insurance 8,367 7,525
Survey & Professional Fees 1,980 -
Bad Debts - 3,600
Other 3,443 1,198
89,708 51,086
Charitable activities
Grants to institutions 32,500 97,919
Grants to individuals 23,500 28,430
56,000 126,349
Support costs
Human resources
Honoraria - Support 5,760 5,760
Other
Honoraria - Governance 2,880 2,880
Examiners Fee for external Scrutiny 930 1,158
Sundry Expenses 149 388
3,959 4,426
Total resources expended 155,427 187,621
Net income before gains and losses 60,961 4,489

This page does not form part of the statutory financial statements

Page 15

The Lionel Abel-Smith Trust

Detailed Statement of Financial Activities
for the Year Ended 30 November 2021
30.11.21 30.11.20
£ £
Realised recognised gains and losses
Realised gains/(losses) on fixed asset investments 53,000 (16,408)
Realised gains/(losses) on investment property 634,458 -
Net income/(expenditure) 748,419 (11,919)

This page does not form part of the statutory financial statements

Page 16