OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

2020-12-31-accounts

New Tribes Mission – For the Year Ended 31 December 2020

Annual Report 2020 New Tribes Mission Financial statements for the year ended 31[st] December 2020

www.ntm.org.uk review of the year 2020 0

New Tribes Mission – For the Year Ended 31 December 2020

Our Purpose Statement

Our Values

“Motivated by the love of Christ, and empowered by the Holy Spirit, NTM in the UK, along with its worldwide partners, exists to assist the ministry of the local church through the mobilising, equipping, and coordinating of missionaries to evangelise unreached people groups, translate the Scriptures and see indigenous New Testament churches established that glorify Christ”

www.ntm.org.uk review of the year 2020 1

New Tribes Mission – For the Year Ended 31 December 2020

Reference and Administrative Details

Registered Charity number 278627

Principal address North Cotes Grimsby Lincolnshire DN36 5XU

Auditors

Sheen Stickland Chartered Accountant Statutory Auditors 7 East Pallant Chichester West Sussex PO19 1TR

Insurers

Ansvar Insurance Company Ansvar House St Leonards Road Eastbourne East Sussex BN21 3UR

Bankers

Royal Bank of Scotland 8 Snitterton Road Matlock Derbyshire DE4 3LZ

Close Brothers 10 Crown Place London EC2A 4FT

Santander UK Bridle Road Bootle Merseyside L30 4GB

Solicitors Wrigleys 19 Crookridge St Leeds LS2 3AG

Trustees

F Brearley M Cuthbert N McCready S Jerrard S Bosley

www.ntm.org.uk review of the year 2020 2

New Tribes Mission – For the Year Ended 31 December 2020

Contents

Our Purpose Statement .......................................................................................... 1 Our Values............................................................................................................... 1 Reference and Administrative Details .................................................................... 2 Report of the Trustees ............................................................................................ 4 Report of the Independent Auditors .................................................................... 25 Accounts at a glance ............................................................................................. 30 Statement of Financial Activities for the year ended 31st December 2020 ......... 32 Balance Sheet as at 31[st] December 2020.............................................................. 33 Cash Flow Statement as at 31[st] December 2020 .................................................. 34 Notes to the Accounts for year ended 31[st] December 2020 ................................ 36

www.ntm.org.uk review of the year 2020 3

New Tribes Mission – For the Year Ended 31 December 2020

Report of the Trustees

The trustees present their report with the financial statements of the charity for the year ended 31st December 2020. 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

The Trust Deed states that the object of New Tribes Mission is:

"to re-affirm and re-establish the Faith among all people of the world in the religious principles and doctrine taught by Jesus Christ."

That core objective is clearly expressed in the NTM purpose statement as follows:

"Motivated by the love of Christ, and empowered by the Holy Spirit, NTM in the UK, along with its worldwide partners, exists to assist the ministry of the local church through the mobilising, equipping,

and coordinating of missionaries to evangelise unreached people groups, translate the Scriptures and see indigenous New Testament churches established that glorify Christ".

www.ntm.org.uk review of the year 2020 4

New Tribes Mission – For the Year Ended 31 December 2020

The objectives of New Tribes Mission expressed both in its Trust Deed and purpose statement fit two of the charitable purposes described in the Charities Act 2011 as:

Many of the world's people still live without opportunity to hear Jesus Christ's teaching and in obedience to His command to "go into all the world and preach the gospel to every creature," NTM in the UK along with its partners worldwide focuses all its activities to that end.

These include:

www.ntm.org.uk review of the year 2020 5

New Tribes Mission – For the Year Ended 31 December 2020

Reporting on Public Benefit

The trustees have examined the aims and activities of New Tribes Mission in the light of the Charity Commission's two key principles of being able to identify the benefits of its activities and those of the public who are the beneficiaries of those activities. In summary, the benefits are those that come from the sharing of the gospel of the Lord Jesus Christ, which leads to changed lives by all those who believe it and live by the selfless principles that Christ taught. It brings freedom from the guilt and power of sin, from fear and superstition and sets forth a quality of life that has the well-being of others as central to its ethos, irrespective of race and social standing. The churches planted offer the opportunity for the development of the spiritual life of all members of the community, young and old, rich and poor and without racial prejudice. Their love of God is also accompanied by the other commandment to love their neighbour as themselves, which brings a caring quality to life for all members of their communities.

The educational benefit to ethnically distinct people groups of learning to read and write their own language is also offered to all members of their society both young and old and rich and poor and without charge. This has not only the

www.ntm.org.uk review of the year 2020 6

New Tribes Mission – For the Year Ended 31 December 2020

benefit of personal development for all members of the society but helps to preserve aspects of their culture and identity. Literacy is also beneficial to all in that the Bible and other literature produced can be read and understood by all. This acquired skill is also helpful in equipping people for developing activities and projects that can bring material benefit and poverty relief.

The beneficiaries of NTM's activities are some of the least reached peoples of the world wherever they live and without prejudice of race or social standing. They are to be found among more than 270 of the world's ethnically distinct people in 25

countries on four continents of the world being served by NTM missionaries from more than fifty countries at this present time.

The benefits of NTM's activities worldwide are also monitored in respect of perceived detriment by some who have concerns of the impact of deploying western educated missionaries in remote and vulnerable people groups. The experience NTM has gained in respect of cultural sensibilities in the transfer of unhelpful culture is central to the approach that NTM takes to church planting. God's Word teaches principles of belief and practise that are transcultural and fit for all the cultures of the world. All ministry locations are accessible to local government authorities and open to be externally assessed and evaluated.

North Cotes College, the training centre of New Tribes Mission, is located at North Cotes, Lincolnshire and exists to benefit the candidates of evangelical Christian churches in the UK and mainland Europe primarily but also from other parts of the world who choose to use this training facility. It is available to all who are of like faith.

www.ntm.org.uk review of the year 2020 7

New Tribes Mission – For the Year Ended 31 December 2020

Staff Remuneration

No member of the Mission receives a salary for the services they undertake. Gifts designated for the work of specific members of the Mission are sent by supporters to the Head Office and are forwarded from the Head Office to the specific member. Those trustees who are also members of the Mission receive funds in the same way. No member of the Mission is authorised to solicit funds.

Some of our volunteer members reside in charity property in the UK. This is by permission of the trustees and for the better carrying out of the charity’s main object. There are no tenancies and rentals charged, but some members may contribute to the living costs of the property where they live. Trustees may reside on charity property on the same terms as other members of the charity, and all under the same informal license arrangements.

New Tribes Mission has over the past twelve months continued to undertake its responsibilities in the pursuance of its objectives and aims as contained in its Trust Deed.

www.ntm.org.uk review of the year 2020 8

New Tribes Mission – For the Year Ended 31 December 2020

Achievement and Performance

Review of the Year 2020

a. North Cotes College

The year began with all three phases of the training programme

in operation. There were 59 students in total. Of the 36 students enrolled in the Biblical Studies course 31 completed their studies and graduated. There were 14 students enrolled for the Cross Cultural Communications course and 13 successfully completed their studies and graduated. There were 9 students who commenced the Advanced Linguistics course of study and they all completed their studies and graduated.

The graduates from the Cross Cultural Communications course will become missionaries with New Tribes Mission, Ethnos360 or another missionary organisation.

At the commencement of the academic year in September 2020, there were 26 students enrolled in the Biblical Studies course, 17 students in the Cross Cultural Communications Course and 7 students in the Applied Linguistics course making a total student body of 50. This represents a significant decrease in the student body over the previous academic year’s enrolment. The Covid-19 pandemic has negatively affected this year’s enrolment.

www.ntm.org.uk review of the year 2020 9

New Tribes Mission – For the Year Ended 31 December 2020

The Covid-19 pandemic seriously interrupted the college academic year. Following the government lockdown in March and curtailment of classes most of the overseas students returned to their home countries. A handful of students remained on campus, as they were unable to return home for a number of reasons including travel restrictions.

Steps were taken to continue the courses on line using Zoom and Teams platforms. In this way, teachers were able to teach from their offices and students were able to complete their studies at home. In preparation for the new academic year, and with so many ongoing uncertainties, cameras and recording equipment were purchased and installed in the classrooms so that if students were required to isolate they could continue their studies on line. This proved to be a timely investment in view of further lockdowns later in the year and those students who needed to quarantine.

The practicum, mission simulation, was not able to be undertaken in June due to lockdown restrictions but was able to take place in August when all the 3C students returned to the college to complete this part of the course.

www.ntm.org.uk review of the year 2020 10

New Tribes Mission – For the Year Ended 31 December 2020

There was clarification from the UK government with regard to entry requirements for all non-UK students after the 31st December, 2020 when the UK will have completed its withdrawal from the EU. All non-UK students intending to study in the UK will be required to have a student visa. The education provider, in our case North Cotes College, will be required to be accredited by a government approved accreditation board in order to receive overseas students. Those non-UK students currently pursuing their studies are allowed to complete their courses if they register with the government under the “settled status” category. Those students applying to commence their studies in September, 2021 will require a student visa. Now that there is clarification on the requirements for non-UK students, the college will pursue accreditation with the British Accreditation Council.

The North Cotes College Joint Training Council of representatives from the College and the European partners of NTM met via Zoom four times during the year. This continues to be a helpful forum in which feedback from both staff and students are considered and is strategic in developing and keeping the training programme relevant, along with the input from the International Ministries Team.

www.ntm.org.uk review of the year 2020 11

New Tribes Mission – For the Year Ended 31 December 2020

The Campus Management Team completed the new men’s disabled WC in the education building. A wider fire door was installed in the gymnasium and a bridge over the dyke to provide a safe exit for disabled users. One of the roof valleys of the workshop was able to be repaired and the remaining six valleys will be repaired as funds become available. A new heat control system has been installed to better manage the heat generated by one of the biomass boilers. We will evaluate its effectiveness and then consider a

further installation for the other biomass boiler. Pipes were insulated in the dorm also to give better control in the student accommodation. Three kitchens were also installed in two of the student dormitories to provide Covid compliant housing facilities.

The members of the campus management team have been able to complete appropriate Health and Safety courses through an online training programme that was invested in. This not only

www.ntm.org.uk review of the year 2020 12

New Tribes Mission – For the Year Ended 31 December 2020

provides necessary training but also keeps record of the training received and signals when further training is required.

The Regular maintenance of systems continues to be carried out in accordance with current regulations by our CMT members and contractors.

The nursery continues to provide care for the younger children of student families enabling both father and mother to attend classes.

There were a number of personnel changes to the North Cotes College and headquarter team. Most of the

courses this year were taught by the resident teachers but some modules were taught by volunteer guest teachers including pastors from UK churches. We are thankful for the help of volunteers who helped with the catering and child care. Another volunteer with experience in university administration has joined the headquarter team. Her experience is hugely beneficial as we work through the accreditation process.

b. Head Office

The Head Office administrative team has continued to manage the services offered to its overseas and UK based members. The financial department takes care of all aspects of the administration of funds received for the organisation and the missionaries, in accordance with the wishes of the donors. It also takes care of the financial administration of the college. Following the annual audit the accountants reported to the trustees that the charity’s liquid assets had significantly improved over the previous year. The rigorous budgetary controls that had been implemented had succeeded in redressing the cash flow issues experienced in 2019. The charity is well able to fulfil all its financial obligations without compromising its operations. We are thankful to God for His faithful provision of all our financial and material needs.

www.ntm.org.uk review of the year 2020 13

New Tribes Mission – For the Year Ended 31 December 2020

c. Publications

The Link magazine continues to be the primary means of communication to supporters of NTM’s ministry. The newly developed NTM website is also a source of information to keep its supporters current of its news, prayer information, and allows the public to make financial donations, buy books, and media resources on line. It also gives information about the training programme and annual conferences held at the college campus. Prayer letters and information is made available to supporters of NTM’s ministries.

d. Representation

The promotion of the ministry of NTM is undertaken by its representatives both here in the UK and in Europe through its partner NTM and Ethnos360 affiliates. This year NTM was unable to participate in the normal national conferences at the UCCF Forum, Keswick Convention, Bangor Worldwide and Global Connections as they were all cancelled due to the Covid-19 pandemic. Very few meetings have been able to be held due to the travel restrictions though some have been able to be conducted through Zoom and Teams.

The two residential conferences normally held at North Cotes during the months of March and June had to be cancelled due to Covid. This was disappointing as it has been a fruitful way in attracting potential missionary candidates as well as keeping the supporters of the work informed of progress and challenges in the ministry.

The annual Refresher Course for European members and missionaries on home assignment also had to be cancelled due to Covid restrictions. The annual Carol Service was not able to

www.ntm.org.uk review of the year 2020 14

New Tribes Mission – For the Year Ended 31 December 2020

be held but a recorded presentation was made available through You Tube which was well received.

e. Short Term Ministries

No short term overseas trips were able to be carried out in 2020 due to Covid. The Associate programme sent out one teacher to work in a mission school. Eight other Associate members are working at the NTM headquarters and college. The Volunteer Programme has been an invaluable way of helping with the running of the childcare facility allowing students to have their young children cared for while they in lectures. Three volunteer assistants have served in the nursery; three have helped in the refectory and two managing the IT systems.

f. Overseas ministries

The Covid pandemic has been a significant interruption for missionaries working overseas. Some were unable to travel to the UK for home assignment and others due to fly back to their ministry location were also unable to due to the travel restrictions. However, UK missionaries working in Asia, Africa

www.ntm.org.uk review of the year 2020 15

New Tribes Mission – For the Year Ended 31 December 2020

and Central America continue to send encouraging reports on their ministries throughout the year.

The gospel of the Lord Jesus Christ is being proclaimed among people groups who have no access to the Christian message. Those who have embraced this message are being discipled in the context of local churches that are being planted. The Bible is translated into the maternal languages of the people groups. This follows a programme of linguistic analysis of the language with the goal of providing an alphabet and creating literacy programmes for the people. Hygiene and health programmes have been introduced where they were lacking. Socioeconomic projects have been undertaken when appropriate and acceptable by government authorities. There is a spiritual and moral impact that is valued in the societies where ministry is being undertaken as well as the material, educational and economic benefits that are experienced. Currently, NTM works in over 270 people groups worldwide and is translating the New Testament into 110 languages and has planted over 1200 churches.

g. European Partnership

The annual gathering of European partners had to be cancelled due to Covid restrictions. There will be a virtual meeting planned for January 2021.

h. General Data Protection Regulation

The GDPR policy is operating and all departments are complying with the new regulations with regard to the storage of data.

i. Safeguarding Children’s Policy

All policies with regard to the protection of vulnerable beneficiaries and child safety both here in the UK and overseas are being regularly reviewed and members receive periodic training.

www.ntm.org.uk review of the year 2020 16

New Tribes Mission – For the Year Ended 31 December 2020

j. Future Plans

All three phases of the training programme will continue to be developed to enable our students to be effectively equipped for the changing needs of the ministry locations in which NTM missionaries are serving. We are looking for other suitably qualified teachers for both the Biblical Studies course and the Cross Cultural Communications course. Other current needs include personnel with IT skills; somebody with general building and maintenance skills and qualified volunteer nursery workers. We are thankful for the many volunteers who help on a short term basis throughout the course of the year.

www.ntm.org.uk review of the year 2020 17

New Tribes Mission – For the Year Ended 31 December 2020

Due to the ongoing Covid restrictions we will not be able to hold the two annual residential conferences. Plans are well advanced to hold the conferences virtually. The Forum for leaders of the European partners will be held in January through Zoom. If Covid restrictions are lifted there may be a further meeting of the European partners in Spain. The summer Refresher Course for missionaries on home assignment is due to be held in the UK in August. The feasibility of this will be determined nearer the time depending on any restrictions in force.

NTM will be represented in churches virtually for the present and then in person as Covid restrictions are lifted. Then also meetings will be able to go ahead in universities and colleges.

North Cotes College has applied to the British Accreditation Council for accreditation and an inspection of the campus is expected in spring as part of the process. The nursery has also applied for OFSTED registration.

www.ntm.org.uk review of the year 2020 18

New Tribes Mission – For the Year Ended 31 December 2020

After consultation with the organisation’s auditors we plan on changing the accounting year from as it is at present, January to December, to be aligned with the academic year of the college from September to August.

The trustees believe it is the best interests of the charity to become a Charitable Incorporated Organisation (CIO) and replace the current trust deed. This will also be undertaken in 2021.

k. Trustee Training

Trustee training courses are being planned for those trustees who were unable to get on courses in 2020. Courses offered by Stewardship and Hampson’s were undertaken and have proved helpful especially with the current conditions due to the Covid pandemic.

www.ntm.org.uk review of the year 2020 19

New Tribes Mission – For the Year Ended 31 December 2020

Structure, Governance and Management

Governing document

New Tribes Mission is a registered Charity and is governed by a trust deed dated 1 January 1980.

Recruitment, appointment, induction and training of new trustees

Under the Trust Deed, the number of trustees shall not be less than three and not more than eight in number, unless one of the trustees be a Trust Corporation within the meaning of the Charities Act 2011. The UK committee may appoint any individual as a trustee.

Organisational structure

New Tribes Mission is a non-denominational, evangelical organisation, being made up of members of like faith. It is a partner of over 30 other New Tribes Mission (NTM) and Ethnos360 Partners worldwide who serve together according to a global ministry agreement that defines the doctrine, practise and policies of NTM.

New Tribes Mission has its Head Office for the United Kingdom in North Cotes, Lincolnshire.

New Tribes Mission operates a three phase training programme called North Cotes College also located in North Cotes, Lincolnshire, to prepare missionary candidates. It is primarily to serve the UK and its European partners but does accept candidates from anywhere in the world as long as they comply with the entry requirements of the training centre and the UK government.

www.ntm.org.uk review of the year 2020 20

New Tribes Mission – For the Year Ended 31 December 2020

Policies

The policies adopted to ensure the objectives of the Mission are met include:

Facilitating the sending of missionaries from churches in the UK. Missionaries visit churches on home assignment and Mission representatives, to inform of world needs and present the opportunities for involvement through the various programmes that the Mission provides.

www.ntm.org.uk review of the year 2020 21

New Tribes Mission – For the Year Ended 31 December 2020

Financial Review

Investment policy and objectives

Funds not required for the current needs of New Tribes Mission may be invested in investments of any kind at the discretion of the UK Committee. The trustees have a duty under the Mission's Trust Deed at all times to treat as income funds that might otherwise be regarded as capital.

Reserves policy

It is not the policy of New Tribes Mission to hold unrestricted reserves unless the trustees have designated these for a specific purpose. Details of designated reserves are shown as part of the financial statements.

The trustees have agreed that there needs to be a minimum level of unrestricted reserves held to deal with any unforeseen events affecting primarily the running of the site at North Cotes and the College Activities. This reserve has been set at £50,000 and is reviewed on a regular basis.

Total incoming resources amounted to £1,808,667 (2019 total incoming resources £1,878,304). Total resources expended amounted to £1,698,621 (2019 total resources expended £1,773,702). This gives rise to a total surplus for the year of £110,046 (2019, a surplus of £104,602).

The net assets of New Tribes Mission amount to £1,232,424 (2019 total net assets £1,122,378) as at 31 December 2020.

Auditors

The auditors, Sheen Stickland, will be proposed for reappointment.

www.ntm.org.uk review of the year 2020 22

New Tribes Mission – For the Year Ended 31 December 2020

Statement of Trustees Responsibilities

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

The law applicable to charities in England and Wales, the Charities Act 2011, Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that period. In preparing those financial statements, the trustees are required to:

The trustees are responsible for keeping proper accounting records, which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

www.ntm.org.uk review of the year 2020 23

New Tribes Mission – For the Year Ended 31 December 2020

review of the year 2020 24

www.ntm.org.uk

New Tribes Mission – For the Year Ended 31 December 2020

Report of the Independent Auditors

Opinion

We have audited the financial statements of New Tribes Mission (the 'charity') for the year ended 31st December 2020 which comprise the Statement of Financial Activities, the Balance Sheet, the Cash Flow Statement and notes to the financial statements, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards (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 Auditors' 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

www.ntm.org.uk review of the year 2020 25

New Tribes Mission – For the Year Ended 31 December 2020

obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

We have nothing to report in respect of the following matters in relation to which the ISAs (UK) require us to report to you where:

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 Report of the Independent Auditors 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.

In connection with our audit of the financial statements, 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 audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material

www.ntm.org.uk review of the year 2020 26

New Tribes Mission – For the Year Ended 31 December 2020

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 where the Charities Act 2011 requires us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the Statement of Trustees' Responsibilities, the trustees are responsible for the preparation of the financial statements which 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.

Our responsibilities for the audit of the financial statements

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 a Report of the Independent Auditors 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)

www.ntm.org.uk review of the year 2020 27

New Tribes Mission – For the Year Ended 31 December 2020

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 extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our Report of the Independent Auditors.

Use of our report

This report is made solely to the charity's trustees, as a body, in accordance with Section 144 of the Charities Act 2011 and regulations made under Section 154 of that Act. Our audit work has been undertaken so that we might state to the charity's trustees and the trustees those matters we are required to state to them in an auditors' report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume

www.ntm.org.uk review of the year 2020 28

New Tribes Mission – For the Year Ended 31 December 2020

responsibility to anyone other than the charity and the charity's trustees as a body, for our audit work, for this report, or for the opinions we have formed.

Sheen Stickland Chartered Accountants Statutory Auditors Eligible to act as an auditor in terms of Section 1212 of the Companies Act 2006

7 East Pallant

Chichester West Sussex PO19 1TR

Date:

www.ntm.org.uk review of the year 2020 29

New Tribes Mission – For the Year Ended 31 December 2020

Accounts at a glance

Where Our Income Came From

----- Start of picture text -----
Donations,
86.48%
Legacies, 0.05%
Student Fees, Miscellaneous,
9.29% 1.17%
Government Investments,
Hospitality,
Grant, 2.19% 0.71% 0.11%
----- End of picture text -----

Designation of Donations

----- Start of picture text -----
Other
Restricted
Missionary Fund
Donations Donations
78.4% 0.2%
Special Account General
Donations Unrestricted
0.9% Donations
9.8%
Field Donations Associate Donations
3.8% 6.9%
----- End of picture text -----

www.ntm.org.uk review of the year 2020 30

New Tribes Mission – For the Year Ended 31 December 2020

Missionary Activity by Country

----- Start of picture text -----
BRAZIL
CANADA
0.36%
AUSTRALIA 1.13%
1.41%
COLOMBIA
VENEZUELA 6.01%
2.13%
FAROE
UNITED
ISLANDS…
KINGDOM
WEST
33.58%
AFRICA
8.00%
ASIA PACIFIC
7.29%
NETHERLANDS
0.26%
USA
10.81% NEW
ZEALAND
0.15%
SOUTH EAST
ASIA PAPUA NEW
2.21% PHILIPPINES GUINEA
2.75% 23.29%
SOUTH EAST
AFRICA
0.33%
----- End of picture text -----

www.ntm.org.uk review of the year 2020 31

New Tribes Mission – For the Year Ended 31 December 2020

Statement of Financial Activities for the year ended 31st December 2020

Notes
Incoming resources
Income and endowments
from:
Donations and legacies
1
Charitable activities
North Cotes College
1
Headquarters
1
Site Services
1
Investments
1
Resources expended
Expenditure on:
Charitable activities
North Cotes College
3
Headquarters
3
Site Services
3
16
Reconciliation of funds:
Total
Net movement in funds
Total funds brought forward
Total funds carried forward
Total
Net income/(expenditure)
Transfers between funds
Unrestricted
Funds
Restricted
Funds
2020 Total
Funds
2019 Funds
£
£
£
£
154,617
1,421,187
1,575,804
1,551,174
164,983
164,983
225,902
46,450
46,450
63,029
19,416
19,416
35,996
2,014
2,014
2,203
387,480
1,421,187
1,808,667
1,878,304
90,311
90,311
101,294
105,745
1,344,812
1,450,557
1,465,129
157,753
157,753
207,279
353,809
1,344,812
1,698,621
1,773,702
33,671
76,375
110,046
104,602
12,431
(12,431)
-
-
46,102
63,944
110,046
104,602
1,019,224
103,154
1,122,378
1,017,776
1,065,326
167,098
1,232,424
1,122,378

www.ntm.org.uk review of the year 2020 32

New Tribes Mission – For the Year Ended 31 December 2020

Balance Sheet as at 31[st] December 2020

Fixed assets
Tangible assets
Investments
Total fixed assets
Current assets
Stocks
Debtors
Investments
Cash at bank and in hand
Total current assets
Creditors:amounts falling due within
one year
Net current Assets
Total assets less current liabilities
Creditors:amounts falling due after
one year
Total Net Assets
Funds of the Charity
Restricted income funds
Unrestricted funds
Total funds
The Financial Statements were approved by
the Board of Trustees and signed on its
behalf by:
F Brearley - Chair and Trustee
S Jerrard - Treasurer and Trustee
Notes
7
9
11
12
10
14
13
13
16
16
Unrestricted
funds
Restricted
funds
2020 Total
2019
£
£
£
886,804 - 886,804 910,032
3-3 3
Unrestricted
funds
Restricted
funds
2020 Total
2019
£
£
£
886,804 - 886,804 910,032
3-3 3
886,807-886,807
910,035
16,631 - 16,631 12,728
63,787 - 63,787 54,430
141,308 - 141,308 140,000
174,846 167,098 341,944 205,884
396,572 167,098 563,670 413,042
218,053 - 218,053 123,926
178,519 167,098 345,617
289,116
1,065,326 167,098 1,232,424
1,199,151
- - - 76,773
1,065,326 167,098
1,232,424
1,122,378
- 167,098 167,098 103,154
1,065,326-1,065,326 1,019,224
1,065,326 167,098 1,232,424
1,122,378
Signature Date of approval
dd/mm/yyyy

www.ntm.org.uk review of the year 2020 33

New Tribes Mission – For the Year Ended 31 December 2020

Cash Flow Statement as at 31[st] December 2020

Notes
Cash Flows from operating activities
Cash used from operations
1
Interest Paid
Net cash provided by (used in) operating activities
Cash flows from investing activities
Purchase of tangible fixed assets
Interest received
Net cash provided by (used in) investing activities
Change in cash and cash equivalents in the reporting period
Change in cash and cash equivalents at the beginning of the reporting period
Cash and cash equvalents at the end of the reporting period
2020
2019
£
£
138,152
81,978
(1,349)
(2,214)
136,803
79,764
(1,449)
-
2,014
2,203
565
2,203
137,368
81,967
345,884
263,916
483,252
345,884

www.ntm.org.uk review of the year 2020 34

New Tribes Mission – For the Year Ended 31 December 2020

Notes to the Cash flow Statement as at 31[st] December 2020

Reconcilation of Net Income / (Expenditure) to net cash flow from operating activities

Adjustments for:
Depreciation Charges
Interest Received
Interest Paid
(Increase)/decrease in stocks
(Increase)/decrease in debtors
Increase/(decrease) in creditors
Net Cash provided by (used in) operating activities
Net income/(expenditure) for the reporting period
(as per statement of financial activity)
2020
2019
£
£
110,046
104,602
24,677
28,916
(2,014)
(2,203)
1,349
2,214
(3,903)
5,191
(9,357)
6,267
17,354
(63,009)
138,152
81,978

www.ntm.org.uk review of the year 2020 35

New Tribes Mission – For the Year Ended 31 December 2020

Notes to the Accounts for year ended 31[st] December 2020

Accounting Policies

Basis of preparing the financial statements

The financial statements of New Tribes Mission, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS102) '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 fair value.

Income

All incoming resources, with the exception of legacies, are included on the Statement of Financial Activities when New Tribes Mission is legally entitled to the income and the amount can be quantified with reasonable accuracy.

Legacies are recognised when it is probable that they will be received.

Provision is made for tax recoverable on income received during the period and included under the relevant heading in the financial statements.

www.ntm.org.uk review of the year 2020 36

New Tribes Mission – For the Year Ended 31 December 2020

Donated fixed assets

Assets given for use by New Tribes Mission are brought into account at a reasonable estimate of their value to New Tribes Mission as determined by the Trustees.

Personal gifts

Funds are received by the UK Head Office for distribution to missionaries. In the financial statements these funds are accounted for as restricted income. The subsequent distribution is accounted for as direct charitable expenditure.

Investment assets and income

Investments are stated at historical cost.

Expenditure

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.

All expenditure, including expenditure to be met from donations and gifts, or other restricted funding, is recognised when the liability is incurred.

When funding has been received but the expenditure has not been incurred, the funds are carried forward as restricted reserves.

Depreciation is treated as charitable activities as fixed assets are primarily for the use of New Tribes Mission.

www.ntm.org.uk review of the year 2020 37

New Tribes Mission – For the Year Ended 31 December 2020

Governance costs

Comprises the costs of governance arrangements, which relate to the general running of New Tribes Mission.

Allocation and apportionment of costs

Expenditure which does not directly relate to the objects of New Tribes Mission is analysed between charitable support costs, governance costs and costs of raising funds.

Items which involve more than one cost category are apportioned as appropriate to the cost categories involved.

Expenses relating to restricted funds are shown separately.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Equipment - 20% on cost
Motor vehicles - 10% on cost
Furniture - 10% on cost
Biomass boiler - 5% on cost

No depreciation is provided on freehold property because the trustees are of the opinion that the open market values of the freehold properties are in excess of the historical cost. An impairment review is undertaken annually and it is considered by the trustees that there has been no permanent diminution in value.

Assets purchased or donated with a cost or value exceeding £500 are capitalised.

www.ntm.org.uk review of the year 2020 38

New Tribes Mission – For the Year Ended 31 December 2020

Stocks

Stocks are valued at the lower of cost and net realisable value, after making due allowance for obsolete and slow moving items.

Taxation

New Tribes Mission is exempt from direct tax on its charitable activities.

www.ntm.org.uk review of the year 2020 39

New Tribes Mission – For the Year Ended 31 December 2020

1. Analysis of Income

Analysis of income
Restricted
Unrestricted income 2020 Total
funds funds funds 2019 Funds
Analysis £ £ £ £
Donations Legacies 1,000 - 1,000 56,659
and General Income - Headquarters 79,436 - 79,436 36,430
legacies: Make a Difference Conference Income -
Headquarters - - - 5,853
Missionary Gifts - Headquarters 6,412 1,360,959 1,367,371 1,345,069
Field Gifts - Headquarters - 60,229 60,229 107,163
Other - Headquarters 67,769 - 67,769 -
Total 154,617 1,421,187 1,575,804 1,551,174
Charitable Registration - North Cotes College 335 - 335 487
activities: Student Fees - North Cotes College 168,918 - 168,918 249,766
Miscellaneous Income - North Cotes
College 8,161 - 8,161 11,646
Meals - Site Services 10,823 - 10,823 13,868
Accommodation Charges - Site Services 2,069 - 2,069 13,254
Miscellaneous Income - Site Services 1,362 - 1,362 3,008
Launderette Income - Site Services 5,162 - 5,162 5,865
Miscellaneous Income - Headquarters 1,110 - 1,110 4,787
Income Postage - Headquarters 3,879 - 3,879 2,142
Income RHI - Headquarters 39,864 - 39,864 42,609
Literature / Bookstore Income -
Headquarters 1,597 - 1,597 4,778
Reach Conference Income - Headquarters - - - 8,712
Inter Department Transfers (12,431) (12,431) (35,995)
Total 230,849 - 230,849 324,927
Income from Interest income 2,014 - 2,014 2,203
investments: Total 2,014 - 2,014 2,203
TOTAL INCOME 387,480 1,421,187 1,808,667 1,878,304

Other Unrestricted income – The amount of £67,769 shown as Other – Headquarters, relates to the forgiving of two loans originally granted for the purchase and installation of two biomass boilers on the North Cotes campus.

All income in the prior year was unrestricted except for income directly donated to Missionaries, Associates and their associated accounts.

www.ntm.org.uk review of the year 2020 40

New Tribes Mission – For the Year Ended 31 December 2020

2. Analysis of Receipt of Government Grant

This year Last year
Description £ £
Renewable Heating Incentive Grant received for Biomass Heating System 39,864 42,609
Total 39,864 42,609

3. Analysis of Expenditure

Headquarters
Site Services
Total expenditure on charitable
activities
Expenditure on
charitable activities
North Cotes College
Analysis
Unrestricted
funds
Restricted
Expenditure
funds
Total funds
Last year
£
£
90,311 - 90,311 101,294
105,745 1,344,812 1,450,557 1,465,129
157,753-157,753 207,279
353,809 1,344,812 1,698,621 1,773,702
Activity or programme
North Cotes College
Headquarters
Site Services
Total
Activities undertaken
directly
Grant
funding of
activities
Support Costs
Total this
year
Total prior
year
£
£
£
£
£
90,311
-
-
90,311
101,294
4,654
1,344,812
101,091
1,450,557
1,465,129
93,741
-
64,012
157,753
207,279
188,706
1,344,812
165,103
1,698,621
1,773,702

4. Support Costs

Management
Finance
Governance
Total
Support cost
This year
Prior Year
This year
Prior Year
This year
Prior Year
This year
Prior Year
£
£
£
£
£
£
£
£
- 3,509 91,483 54,093 48,689 85,186 140,172
142,788
- - 1,349 2,214 15,238 13,935 16,587
16,149
- - 8,259 1,339 85 9,300 8,344
10,639
North Cotes College
Headquarters
Site Services
Grand total
- 3,509 101,091 57,646 64,012 108,421 165,103
169,576

www.ntm.org.uk review of the year 2020 41

New Tribes Mission – For the Year Ended 31 December 2020

5. Auditors Remuneration

5. Auditors Remuneration
Total
Audit Fee
This year
Last year
£
£
7,800 9,300
7,800 9,300

6. Analysis of Grants paid (Included in cost of charitable activities)

Analysis
Headquarters
Site Services
Total
This Year
Prior Year
This Year
Prior year
This year
Prior Year
This Year
Prior Year
£
£
£
£
£
£
£
£
- - 1,381,810 1,482,621 - - 1,381,810 1,482,621
- - - - - - - -
Support costs
Total
Grants to institutions
Grants to individuals
- - 1,381,810 1,482,621 - - 1,381,810 1,482,621

7. Tangible Fixed Assets

At the beginning of
the year
Additions
Revaluations
Disposals
At end of the year
At beginning of the
year
Disposals
Depreciation
Impairment
At end of the year
Net book value at the
beginning of the year
Net book value at the
end of the year
Net book value
Depreciation
Freehold land
& buildings
Other land &
buildings
Biomass
Boiler
Plant,
machinery
and motor
vehicles
Fixtures,
fittings and
equipment
Total
£
£
£
£
£
£
556,288 111,936 278,702 27,260 123,526 1,097,712
- - - - 1,449 1,449
- - - - - -
- - - - - -
556,288 111,936 278,702 27,260 124,975 1,099,161
- - 69,675 16,210 101,796 187,681
- - - - - -
-
12,901 2,710 9,066 24,677
- - - - - -
- -82,576 18,920 110,862 212,358

556,288 111,936 209,027 11,050 21,730 910,032

556,288 111,936 196,126 8,340 14,113 886,803

www.ntm.org.uk review of the year 2020 42

New Tribes Mission – For the Year Ended 31 December 2020

8. Tangible Fixed Asset Disclosures

Amount of contractual commitments for the
acquisition of tangible fixed assets.
Details of the existence and carrying amounts
of property, plant and equipment to which the
charity has restricted title or that are pledged
as security for liabilities.
Within Short term Creditors, the charity
has a contractual commitment to pay back
outstanding loans of £23,715. This was
provided for the procurement of a Biomass
Heating system in 2017.
Within the "Other Freehold Property" the
charity owns a 24.58% share of a
Residential property.

9. Fixed Asset Investments

Carrying (fair) value at beginning of
period
Carrying (fair) value at end of year
Cash & cash
equivalents
Listed
investments
Investment
properties
Social
investments
Other
Total
- - - - 3 3
- - - -3 3

The Fixed Asset Investment relates to a shareholding in Haven Sands Management Company Limited.

10. Current Asset Investments

Analysis of current asset
investments
Close Brothers 95 Day Notice Account
Total
Last year
£
£
This year
140,000
141,308
140,000
141,308

www.ntm.org.uk review of the year 2020 43

New Tribes Mission – For the Year Ended 31 December 2020

11. Stock

Charitable activities: (Literature
& Clothing)
Opening
Added in period
Expensed in period
Impaired
Closing
Other trading activities:
(Campus Management Team)
Opening
Added in period
Expensed in period
Impaired
Closing
Total this year
Total previous year
For
distribution
For resale
Total
£
£
£
- 2,997 2,997
- 5,385 5,385
- (1,248) (1,248)
- - -
Stock
- 7,134 7,134
9,731 - 9,731
5,160 - 5,160
(5,394) - (5,394)
- - -
9,497 - 9,497
9,497 7,134 16,631
9,731 2,997 12,728

www.ntm.org.uk review of the year 2020 44

New Tribes Mission – For the Year Ended 31 December 2020

12. Analysis of Debtors

Trade debtors
Outstanding Student/Volunteer Accounts
Income Tax Recoverable
Medical Insurance Fund
Prepayments and accrued income
Total
Amounts falling due
within oneyear
Amounts falling due
after more than oneyear
Totals
This year
Last year
£
£
749 127
2,206 4,414
8,017 4,970
1,175 -
39,560 32,359
This year
Last year
£
£
12,080 12,560
- -
- -
- -
- -
This Year
Last Year
£
£
12,829
12,687
2,206
4,414
8,017
4,970
1,175
-
39,560
32,359
51,707 41,870 12,080 12,560 63,787 54,430

Information on Long Term Debtor

The long term debtor balance relates to a loan to a member of New Tribes Mission. This was for the purchase of a property adjoining the North Cotes site.

www.ntm.org.uk review of the year 2020 45

New Tribes Mission – For the Year Ended 31 December 2020

13. Analysis of Creditors

Amounts falling due Amounts falling due Amounts falling due
within one year after more than one year
This year Last year This year Last year
£ £ £ £
Biomass Loan 23,715 38,305 - 76,773
Trade creditors 26,248 17,416 - -
Student Fees received in advance 42,253 45,591 - -
Accruals and deferred income 20,030 19,205 - -
Amounts owed to Volunteers 75 735 - -
Other creditors 105,732 2,674 - -
Total 218,053 123,926 - 76,773

14. Cash at Bank and in Hand

Royal Bank of Scotland Deposit Account
Petty Cash
Total
Santander Current Account
Santander Savings Account
This year
Last year
£
£
95,251 (63,514)
42,208 182,442
202,615 86,009
1,870 947
341,944 205,884

15. Lease Commitments

Fixtures, Fittings
& Equipment
Xerox Photocopier
Total
This Year <1 Yr
1-5 Yrs
>5 Yrs
£
£
£
3,264
8,160
-
Last Year
<1 Yr
1-5 Yrs
>5 Yrs
£
£
£
3,264 4,896
-
3,264 4,896
-
3,264
8,160
-

Note

5 Year Operating Lease expires 2023

www.ntm.org.uk review of the year 2020 46

New Tribes Mission – For the Year Ended 31 December 2020

16. Movement in Funds

2020 Fund
Type 2019 Funds balances
Restricted / brought carried
Unrestricted forward Income Expenditure Transfers forward
Fund names £ £ £ £ £
General Unrestricted Fund Unrestricted 97,765 381,067 (353,809) (50,255) 74,768
Fixed Asset Reserve Unrestricted 794,953 - 62,686 857,639
Contingency Fund Unrestricted 76,506 6,413 - - 82,919
General Fund Reserve Unrestricted 50,000 - - - 50,000
Total Unrestricted Funds 1,019,224 387,480 (353,809) 12,431 1,065,326
Direct Missionary Support Restricted 95,871 1,418,150 (1,342,917) (12,431) 158,673
Deacons Fund Restricted 1,421 1,300 (200) - 2,521
Student Relief Fund Restricted 4,837 1,737 (1,695) - 4,879
Playground Fund Restricted 1,025 - - - 1,025
Total Restricted Funds 103,154 1,421,187 (1,344,812) (12,431) 167,098
Total Funds 1,122,378 1,808,667 (1,698,621) - 1,232,424
2019 Fund
Type 2018 Funds balances
Restricted / brought carried
Unrestricted forward Income Expenditure Transfers forward
Fund names £ £ £ £ £
General Unrestricted Fund Unrestricted 31,945 426,071 (386,816) 26,565 97,765
Fixed Asset Reserve Unrestricted 785,523 - - 9,430 794,953
Contingency Fund Unrestricted 70,999 5,507 - - 76,506
General Fund Reserve Unrestricted 50,000 - - - 50,000
Total Unrestricted Funds 938,467 431,578 (386,816) 35,995 1,019,224
Direct Missionary Support Restricted 72,815 1,441,984 (1,382,934) (35,995) 95,871
Deacons Fund Restricted 1,197 1,250 (1,026) - 1,421
Student Relief Fund Restricted 3,711 2,478 (1,352) - 4,837
Playground Fund Restricted 1,025 - - - 1,025
Sefonika Church Building
Project Fund Restricted 561 1,013 (1,573) -
Total Restricted Funds 79,309 1,446,725 (1,386,885) (35,995) 103,154
Total Funds 1,017,776 1,878,303 (1,773,701) - 1,122,378

www.ntm.org.uk review of the year 2020 47

New Tribes Mission – For the Year Ended 31 December 2020

Restricted funds arise where a donor has placed a specific restriction on the use of the funds.

Direct Missionary support comprises restricted donations, gifts and other monies received for the support of missionaries in the field of ministry. These funds are forwarded to the designated missionary.

The Deacons Fund is a fund that receives income either from donations or from transfers from other NTM accounts to help such accounts that are in need. The UK committee controls the allocation of the funds in the Deacon Fund.

The Student Relief Fund is a fund that receives income from either donations or from transfers from other NTM accounts to help with such student accounts that are in need, either in regards to paying fees or with living costs. The allocation of the funds in the Student Relief Fund is under the control of the North Cotes College Committee.

The Playground Fund is a fund for the development of a children's playground.

New Tribes Mission holds sufficient liquid assets to enable restricted funds to be applied in accordance with the restrictions.

The Contingency Fund is an unrestricted fund maintained to cover expenses of a major contingency situation involving a member or associate member of NTM-UK. As a way of anticipating such expenses all member (full or associate) contribute 0.75% of their gross income (as received at source by NTM-UK) into a contingency fund. This does not include personal funds or funds received from other International NTM partners, (similar charges may be charged at source in the other NTM partner country).

Transfers between the general fund and the fixed asset reserve represent movements within fixed assets during the year.

www.ntm.org.uk review of the year 2020 48

New Tribes Mission – For the Year Ended 31 December 2020

17. Trustee Benefits

17.
Trustee Benefits
10/02/2019 - 12/02/2019
06/10/2019 - 07/10/2019
10/02/2019 - 12/02/2019
06/10/2019 - 07/10/2019
04/02/2018 - 05/02/2018
14/10/2018 - 16/10/2018
04/02/2018 - 05/02/2018
14/10/2018 - 15/10/2018
Name of trustee
Date
Mr N Mcready
Mr S & Mrs R Bosley
Mr S Bosley
Mr N Mcready
Mr N and Mrs A Mcready
Mr N and Mrs A Mcready
Mr S & Mrs R Bosley
Mr S Bosley
Benefit Value
This year
Last year
Total
Total
£
£
- 6
- 6
- 6
- 12
- -
- -
- -
- -
-
30

Details of why remuneration were paid.

The trustees listed above were provided free accomodation in the New Tribes Mission Guesthouse when attending Trustee meetings in 2019. Where Trustees travelled with a close family relative, those benfits granted have been included. Guesthouse fee's are £6.00 per person per night for all NTM UK Members and their family.

For the year's ending 31st December 2019 and 2020 no Trustee remuneration were paid.

For the year's ending 31st December 2019 and 2020 no Trustee expenses were paid.

www.ntm.org.uk review of the year 2020 49

New Tribes Mission – For the Year Ended 31 December 2020

18. Transactions with Related Parties

Name of the trustee
or related party
Relationship to
charity
Description of the
transaction(s)
North Cotes Parish
Council
NTM-UK trustee is
also a Parish
Councillor
Donation for room use
credited to NTM
General Income
Amount
£
120
120

www.ntm.org.uk review of the year 2020 50

New Tribes Mission – For the Year Ended 31 December 2020

We give thanks to God for His continued provision for the work of New Tribes Mission, both over this past year, as well as previous years.

Thanks also go to all those churches and individuals that have faithfully supported the work of NTM; by their prayers; through their giving; through their encouragement to the mission as a whole and to each missionary.

Finally, we want to acknowledge each missionary, associate, volunteer and student at North Cotes College who have helped us in the task of reaching the unreached with the good news of the gospel.

New Tribes Mission

Kenneth Campbell Road North Cotes Grimsby DN36 5XU 01472 387700 www.ntm.org.uk Registered charity number 278627

review of the year 2020 51

www.ntm.org.uk

New Tribes Mission – For the Year Ended 31 December 2020

review of the year 2020 52

www.ntm.org.uk