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2021-03-31-accounts

Page
Reference and administrative details of the charity, its trustees and advisers 1 -2
Brigade Executive's Annual Report 3-10
Independent auditors' report 11 -13
Statement of financial activities 14
Balance sheet 15
Cash flow statement & analysis of net debt 16
Notes to the financial statements 17-40

Office Bearers
President The Reverend Dr The Lord Griffiths ofBurry Port (retired 4th September 2020)
Vice Presidents A S Burrow (retired 4th September 2020)
D J Aubrey QC
A Chambers (appointed 5th September 2020)
M Murdock (appointed 5th September 2020)
I Rumbelow (appointed 5th September 2020)
Treasurer C Bygrave FCA CTA TEP (retired 4th September 2020)
S J Mann (appointed 5th September 2020)
Chaplain Rev L A Maydew
Trustees D J Aubrey QC
C A Brace (retired 16th June 2020)
L Bird (appointed 5th September 2020)
V Brownlee (retired 4th September 2020)
S A Buchanan MBE (appointed 27th April 2020)
A S Burrow (retired 4th September 2020)
C Bygrave FCA CTA TEP (retired 4th September 2020)
R Campbell
R J C Cunningham
P A J Daley
P M Haggan (retired 4th September 2020)
R M Knowles
A F B Lampard (appointed 5th September 2020)
M I J Macaulay (appointed 5th September 2020)
S J Mann (appointed 5th September 2020)
Rev L A Maydew
P T McCarroll (appointed 27th April 2020)
P McKinley (appointed 27th April 2020)
S J Rankin (retired 4th September 2020)
I Rumbelow (appointed 5th September 2020)
Company registered number 145122
Charity registered numbers 305969 and SC038016
Registered office Felden Lodge
Hemel Hempstead
Hertfordshire
HP3 OBL
Company Secretary and
Chief Executive Officer J K Bales

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
Note 2021 2021 2021 2021 2020
£ £ £ £ £
Income and endowments from:
Donations and legacies 4 130,624 55,499 186,123 604,576
Training centres 37,755 37,755 590,470
Investments 6 38,524 1,892 842 41,258 55,011
Charitable activities:
Annual capitation contributions 766,086 766,086 951,530
Supplies sales 3 130,751 130J51 434,264
Grants receivable 5 351,546 215,272 566,818 185,074
Annual festival and other events (3,390) (3,390) 60,784
Total income and endowments 1,451,896 272,663 842 1,725,401 2,881,709
Expenditure on:
Raising funds:
Cost of raising funds 9 193,749 193,749 285,402
Training centres (non Brigade use) 302,244 302,244 502,940
Investment management 7,228 915 400 8,543 4,964
Charitable activities:
Supplies - Cost of sales 3 73,790 73,790 261,098
Supplies - Administration 3 44,807 44,807 65,935
Grants payable 7 55,470 59,501 114,971 126,708
Training centres (Brigade use) 26,282 26,282 75,151
Management and delivery of
activities
9 754,291 149,115 903,406 1,339,606
Total expenditure 1,457,861 209,531 400 1,667,792 2,661,804
Net income / (expenditure) before
investment gains/(losses)
(5,965) 63,132 442 57,609 219,905
Net gains/(losses) on investments 14 210,122 19,826 6,304 236,252 (70,329)
Net income / (expenditure) before
transfers
204,157 82,958 6,746 293,861 149,576
Transfers between Funds 19 36,478 (36,478)
Net income / (expenditure) before
other gains and losses 240,635 46,480 6,746 293,861 149,576
Actuarial losses on defined benefit
pension scheme 24 (17,000) (17,000) (32,000)
Net movement in funds 223,635 46,480 6,746 276,861 117,576
Reconciliation of funds:
Total funds at 1 April 2020 4,211,954 243,432 31,193 4,486,579 4,369,003
Total funds at 31 March 2021 19 4,435,589 289,912 37,939 4,763,440 4,486,579

2021 2020
Note £ £ £ £
Fixed assets
Intangible assets 12 29,347 29,611
Tangible assets 13 3,567,188 3,567,188
Investments 14 976,073 748,069
4,572,608 4,344,868
Current assets
Stocks 15 210,658 197,315
Debtors 16 117,241 186,620
Cash at bank and in hand 23 363,042 415,865
690,941 799,800
Creditors: amounts falling due within one year 17 (264,024) (280,980)
Net current assets 426,917 518,820
Total assets less current liabilities 4,999,525 4,863,688
Deferred income 18 (236,085) (377,109)
Net assets 4,763,440 4,486,579
Charity Funds
Endowment funds 19 37,939 31,193
Restricted funds 19 289,912 243,432
Unrestricted funds 19 4,435,589 4,211,954
Total funds 4,763,440 4,486,579

Cash flow statement 2021 2020
Note £ £
Cash flows from operating activities
Net cash (used in)/provided by operating activities 22 (80,732) (5,081)
Cash flows from investing activities:
Dividends, interest and rents from investments 19,661 26,894
Proceeds from sale of investments 122,712 242,699
Purchase of investments (114,464) (485,547)
Donations of investments 166,453
Net cash provided by/(used in) investing activities 27,909 (49,501)
Change in cash and cash equivalents in the year (52,823) (54,582)
Cash and cash equivalents brought forward 415,865 470,447
Cash and cash equivalents carried forward 23 363,042 415,865
Analysis of net debt At 1 April
2020
Cash flows At 31 March
2021
£ £ £
Cash at bank and in hand 415,865 (52,823) 363,042
Loans falling due within one year (5,000) (5,000)
410,865 (52,823) 358,042

ntangible fixed assets and amortisation
Amortisation is provided at the following rates:
Access rights to Felden Lodge straight line over 125 years
Intellectual Property Nil

2021 2020
Incoming resources £ £
Donations and legacies 130,624 520,504
Training centres and other rental income 37,755 590,470
Investment income 38,524 51,514
Annual capitation contributions 766,086 951,530
Supplies sales 130,751 434,264
Grants 351,546 60,000
Annual festival and other events (3,390) 60,784
Total incoming resources 1,451,896 2,669,066
Resources expended
Cost of raising funds 193,749 285,402
Training centres (non-Brigade use) 302,244 502,940
Investment management fees 7,228 3,531
Supplies - cost of sales 73,790 261,098
Supplies - administration 44,807 65,935
Grants to Battalions and Districts 55,470 115,637
Training centres (Brigade use) 26,282 75,151
Management and delivery of the charity's purposes 754,291 1,044,022
Total resources expended 1,457,861 2,353,716
Net income/( expenditure) before investment gains (5,965) 315,350
Investment (losses)/gains 210,122 _(55,335)
204,157 260,015
Transfers from other funds 36,478 12,000
240,635 272,015
Actuarial losses on defined benefit pension scheme (17,000) (32,000)
Net movement in funds for year 223,635 240,015

2021 2020
£ £
Sales 130,751 434,264
Cost of sales (73,790) (261,098)
56,961 173,166
Administration (44,087) (65,935)
Net surplus 12,874 107,231

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2021£ 2021
£
2021£ 2021
£
2020£
Donations 57,949 55,499 113,448 318,262
Legacies 72,675 72,675 286,314
130,624 55,499 186,123 604,576

2021 2020
£ £
General fund:-
Children, Young People and Families Early Intervention Fund 60,000 60,000
Scottish Government Wellbeing Fund 10,000
Falkirk Council Covid-19 Support 10,000
Coronavirus Job Retention Scheme 247,267
327,267 60,000
Restricted funds:-
Youth Scotland Generation Cashback Phase 4 43,384 84,774
NVYO Support Fund 22,100 25,300
Youth Scotland Generation Cashback Phase 5 116,897
Coronavirus Job Retention Scheme 32,891
Baird Trust 5,000
John Scott Charitable Trust 10,000
215,272 125,074
Designated funds:-
Landfill Trust - EB Scotland 19,255
Coronavirus Job Retention Scheme 5,024
24,279
566,818 185,074

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2021£ 2021
£
2021
£
2021£ 2020
£
Deposit interest 597 597 1,117
Income from investments 16,927 1,892 842 19,661 26,894
Pension income 21,000 21,000 27,000
38,524 1,892 842 41,258 55,011

Unrestricted Restricted Total Total
funds funds funds funds
2021£ 2021
£
2021£ 2020
£
Nonhern Ireland District 54,595 54,595 111,637
Republic of Ireland 875 875 4,000
Other Battalions, Districts and Companies 59,501 59,501 11,071
55,470 59,501 114,971 126,708

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2021
£
2021£ 2021
£
2021
£
2020
£
Auditors' remuneration 18,500 18,500 18,500
Committee expenses 1,974 1,974 17,264
Legal and professional fees 20,046 20,046 10,719
Annual report 1,201
Staff training 51 51 248
40,571 40,571 47,932

Management
Cost of and delivery of
generating charity's Total
funds
£
Supplies£ purposes£ 2021
£
2020
£
Staff costs 97,035 12,722 383,871 493,628 591,795
Staff training 68 252 320 1,748
Outsourcing management fee 22,479 22,479 40,036
Travelling 1,743 6,557 8,300 49,214
Development 420 1,582 2,002 12,906
Training courses 35 131 166 37,371
Office services 4,084 15,365 19,449 29,918
Insurance 26.646 100,239 126,885 124,304
Printing and stationery 529 1,991 2,520 10,460
IT expenses 8,307 31,251 39,558 40,130
Postage and carriage 465 9,606 1,750 11,821 34,270
Repairs and maintenance 785 2,954 3,739 7,404
Leasing 3,051 11,478 14,529 27,342
Amortisation 56 209 265 267
Communications 9,859 37,088 46,947 70,391
Sundries 1,635 6,150 7,785 9,253
Irrecoverable VAT 10,628 39,980 50,608 39,372
Bank charges 1,124 4,229 5,353 11,999
Subscription to Global
Fellowship 3,440 3,440 6,984
Online Brigade Manager 10,761 40,483 51,244 59,764
Pension scheme costs 42,088 42,088 40,026
Governance costs 16.518 24,053 40,571 47,932
Direct expenditure attributable to
Designated Funds 41,517 41,517 142,473
Internal recharges to
training centres (42,367) (42,367) (40,000)
193,749 44,807 754,291 992,847 1,395,359
Included above are support costs of:-
Staff costs 46,702 46,702 108,453
Other costs 1,840 1,840 5,304
Governance costs
16,518
24,053 40,571 47,932
16,518 72,595 89,113 161,689

2021£ 2020
£
Operating lease expense 63,603 60,729
Amortisation charged 264 264
Depreciation of tangible fixed assets:
- owned by the charity 1,344
Auditors' remuneration - audit services 9,500 9,500
Auditors' remuneration - other services 11,497 14,723
Trustee and officer indemnity insurance 9,213 7,199

Staff costs were as follows:
2021£ 2020
£
Wages and salaries 730,235 820,936
Social security costs 53,527 61,291
Defined contribution pension costs 27,062 28,655
Defined benefit pension operating costs 15,000 15,000
Redundancy costs 43,998
825.824 969,880
2021 2020
No. No.
Full time 34 35
Part time 7 11
41 46

Access Rights
to Felden
Lodge£ Copyrights£ Total£
Cost
At 1 April 2020 and 31 March 2021 33,047 1 33,048
Amortisation
At 1 April 2020 3,437 3,437
Charge for the year 264 264
At 31 March 2021 3,701 3,701
Net book value
At 31 March 2021 29,346 1 29,347
At 31 March 2020 29,610 1 29,611
13. TANGIBLE FIXED ASSETS
Freehold Fixtures &
property£ fittings
£
Total
£
Cost
At 1 April 2020 and 31 March 2021 3,588,232 257,133 3,845,365
Depreciation
At 1 April 2020 21,044 257,133 278,177
Charge for the year
At 31 March 2021 21,044 257,133 278,177
Net book value
At 31 March 2021 3,567,188 3,567,188
At 31 March 2020 3,567,188 3,567,188

Unrestricted Restricted Endowment
Funds£ Funds£ Funds
£
Total
£
1 April 2020 648,586 68,386 31,097 748,069
Additions 102,773 8,637 3,054 114,464
Disposals
Net realised and unrealised gains/(losses)
(109,484)
210,122
(9,691)
19,826
(3,537)
6,304
(122,712)
236,252
31 March 2021 851,997 87,158 36,918 976,073

2021£ 2020
£
Consumables 6,649 10,315
Supplies for resale 204,009 187,000
210,658 197,315
EBTORS
2021 2020
£ £
Trade debtors 3,418 48,603
Loans 4,240 7,584
Other debtors 1,937 300
Prepayments and accrued income 107,646 130,133
117,241 186,620

17. CREDITORS:
Amounts falling due within one year
2021£ 2020£
Other loans 5,000 5,000
Payments received on account 3,669 5,183
Trade creditors 154,104 110,701
Other taxation and social security 27,052 38,114
Other creditors 30,842 31,207
Accruals and deferred income 43,357 90,775
264,024 280,980
18. ACCRUALS AND DEFERRED INCOME
2021£ 2020£
Annual capitation contributions received in advance 236,085 377,109

Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out Gains/(losses)
£ £
forward£
Designated funds
Freehold Property Fund 3,567,189 3,567,189
David White Memorial Fund 737
Jubilee Fund 302
Development Fund 732
Building Fund 10,929
Unite Christian Festival
19,255 (27,575) (737)
(302)
(732)
2,609
England 18,238
Carronvale Appeal 1,007
(3,390) (428) 14,420
1,007
Children and Youthwork Fund 90,958
England Support 13,150
Minibus Fund 5,000
KGVI Fund 2,000
11,500 (1,742)
(4,325)
(1,652)
20,000
6,584
737
109,216
26,909
3,348
2,737
Scottish Development 738 5,024 (5,800) 452 414
Strategic Plan Fund 25,000 6,000 732 31,732
3,735,980 38,389 (41,522) 26,734 3,759,581
General funds
General Fund
475,974
1,392,507 (1,412,339) 9,744 210,122 676,008
Pension reserve 21,000 (4,000) (17,000)
475,974 1,413,507 (1,416,339) 9,744 193,122 676,008
Total Unrestricted funds
4,211,954
1,451,896 (1,457,861) 36,478 193,122 4,435,589
Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out
£
Gains/(Iosses)£ forward£
Endowment funds
Cave Allan Legacy 31,193 842 (400) 6,304 37,939

Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out Gains/(losses)
£ £
forward
£
Restricted funds
National Training Appeal 3,914 3,914
John Burke Fund 43.223 964 (490) 10,822 54,519
Edith Blanche Bevis Fund
Friends ofCarronvale
Friends ofFelden
4,631
405
1,653
770 (549) (4,631)
302
626
1,955
8th Grimsby Funds
Overseas work
34,265
2,946
928 (425) 9,004 43,772
2,946
Stirling Battalion and Gannochy
Trust - Mid Scottish
Development
Roy Inglis Legacy
6,778
11,646
3,071 (6,778)
(10,098)
4,619
Patrons Fund
Cashback - Young People Take
1,953 (1,953)
the Lead
Youth Scotland Generation
23,539 4,585 (8,541) 19,583
CashBack Phase 4
Youth Scotland Generation
22,660 46,268 (24,113) (29,745) 15,070
CashBack Phase 5 116,897 (81,714) 35,183
Events England Region
YouthlinkNVYO Support
HLF YOYP Big Roadshow
7,850
18,625
22,100 (903) 7,850
39,822
Grant
Church of Scotland - Guild
1,276 (825) (451)
Project
Baird Trust
Wales Development
36,317
829
6,853
15,332
6,215
25,753
(9,636)
(7,044)
(27,966)
42,013
4,640
Friends of Felden - Name a
Chair 3,400 3,400
John Scott Charitable Trust 10,000 10,000
London District Fund 669 29,780 (30,449)
243,432 272,663 (209,531) (36,478) 19,826 289,912
Total funds 4,486,579 1,725,401 (1,667,792) 219,252 4,763,440

Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out Gains/(losses)
£ £
forward£
Designated funds
Freehold Property Fund 3,567,189 3,567,189
David White Memorial Fund 737 737
Jubilee Fund
Lockett Fidler KGV1 Fund
1,220
1,991
768 (1,686) (1,991) 302
Development Fund 20,732 (20,000) 732
Building Fund
Unite Christian Festival
12,870 (16,941) 15,000 10,929
England 16,793 23,799 (22,354) 18,238
Carronvale Appeal
Children and Youthwork Fund
6,061
65,693
1,502 (1,556)
(74,735)
(5,000)
100,000
1,007
90,958
England Support
Minibus Fund
KGVI Fund
33,840
250
(16,181)
(5,735)
(4,509)
10,485
2,000
13,150
5,000
2,000
Scottish Development (3,285) 4,023 738
Strategic Plan Fund 25,000 25,000
3,693,286 60,159 (142,473) 125,008 3,735,980
General funds
General Fund
Pension reserve
278,653 2,576,907 (2,211,243) (113,008) (55,335) 475,974
32,000 - - (32,000)
278,653 2,608,907 (2,212,243) (113,008) (87,335) 475,974
Total Unrestricted funds 3,971,939 2,669,066 (2,353,716) 12,000 (87,335) 4,211,954
Brought Incoming Resources Transfers Carried
Forward£ resources expended
£ £
in/out Gains/(Iosses) forward
£ £ £
Endowment funds
Cave Allan Legacy 36,953 1,258 (909) (6,109) 31,193

Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out Gains/(Iosses)
£ £
forward£
Restricted funds
National Training Appeal 3,914 3,914
John Burke Fund
Edith Blanche Bevis Fund
46,712
4,631
1,209 (511) (4,187) 43,223
4,631
Friends ofCarronvale
Friends ofFelden
8th Grimsby Funds
Youthlink Support
Overseas work
1,893
38,393
5,148
2,255
1,386
30
1,030
691
(981)
(270)
(460)
(5,148) (4,698) 405
1,653
34,265
2,946
Stirling Battalion and Gannochy
Trust - Mid Scottish
Development
Roy Inglis Legacy
Patrons Fund
Robert Feman Smith Legacy
10,694
17,000
2,500
15,291
993 (3,916)
(6,347)
(547)
(16,416)
1,125 6,778
11,646
1,953
Cashback - Young People Take
the Lead 23,539 23,539
Youth Scotland Generation
CashBack 17,124 84,774 (79,238) 22,660
Youth United Stronger
Foundations 98,880 (103,380) 4,500
Events England Region
Youthlink NVYO Support
HLF YOYP Big Roadshow
10,000
11,267
25,300 (2,150)
(17,942)
7,850
18,625
Grant
Church of Scotland - Guild
2,468 (1,192) 1,276
Project 14,306 47,341 (25,330) 36,317
Youth United Reach 34,096 (21,619) (12,477)
Baird Trust
Wales Development
5,000
22,090
(4,171)
(15,237)
829
6,853
Friends of Felden - Name a
Chair 3,400 3,400
John Scott Charitable Trust 10,000 10,000
London District Fund 8,141 (7,472) 669
360,111 211,385 (307,179) (12,000) (8,885) 243,432
Total funds 4,369,003 2,881,709 (2,661,804) (102,329) 4,486,579

Brought Incoming Resources Transfers Carried
Forward resources£ expended£ in/out Gains/(losses)
£ £
forward£
Designated funds 3,735,980 38,389 (41,522) 26,734 3,759,581
General funds 475,974 1,413,507 (1,416,339) 9,744 193,122 676,008
4,211,954 1,451,896 (1,457,861) 36,478 193,122 4,435,589
Endowment funds 31,193 842 (400) 6,304 37,939
Restricted funds 243,432 272,663 (209,531) (36,478) 19,826 289,912
4,486,579 1,725,401 (1,667,792) 219,252 4,763,440

Brought Incoming Resources Transfers Carried
Forward£ resources£ expended£ in/out Gains/(losses)
£ £
forward
£
Designated funds
General funds
3,693,286
278,653
60,159
2,608,907
(142,473)
(2,212,243)
125,008
(113,008)
(87,335) 3,735,980
475,974
3,971,939 2,669,066 (2,353,716) 12,000 (87,335) 4,211,954
Endowment funds
Restricted funds
36,953
360,111
1,258
211,385
(909)
(307,179)
(12,000) (6,109)
(8,885)
31,193
243,432
4,369,003 2,881,709 (2,661,804) (102,329) 4,486,579

ANCIAL INSTRUMENTS
2021 2020
£ £
Financial assets
Financial assets that are measured at fair value 976,073 748,069
976,073 748,069

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2021£ 2021£ 2021
£
2021
£
2020
£
Tangible fixed assets 3,567,188 3,567,188 3,567,188
Intangible fixed assets 29,347 29,347 29,611
Fixed asset investments 850,974 87,160 37,939 976,073 748,069
Current assets 488,189 202,752 690,941 799,800
Creditors due within one year
Deferred income
(264,024)
(236,085)
(264,024)
(236,085)
(280,980)
(377,109)
4,435,589 289,912 37,939 4,763,440 4,486,579

Unrestricted Restricted Endowment Total Total
funds funds funds funds funds
2020 2020 2020 2020 2019
£ £ £ £ £
Tangible fixed assets 3,567,188 3,567,188 3,568,532
Intangible fixed assets 29,611 29,611 29,875
Fixed asset investments 648,487 68,389 31,193 748,069 575,550
Current assets 624,757 175,043 799,800 839,179
Creditors due within one year (280,980) (280,980) (294,567)
Deferred income (377,109) (377,109) (349,566)
4,211,954 243,432 31,193 4,486,579 4,369,003

2021£ 2020
£
Net (expenditure)/income for the year (as per Statement of Financial Activities) 293,861 149,576
Adjustment for:
Depreciation and amortisation charges 264 1,608
(Gains)/losses on investments (236,252) 70,329
Dividends, interest and rents from investments (19,661) (26,894)
Adjustment in respect of defined benefit pension scheme (17,000) (32,000)
(Increase)/decrease in stocks (13,344) (45,092)
Decrease/(increase) in debtors 69,379 29,889
Increase/(decrease) in creditors (157,979) 13,956
Donations of investments (166,453)
Net cash (used in)/provided by operating activities (80,732) (5,081)
ALYSIS OF CASH AND CASH EQUIVALENTS
2021£ 2020
£
Cash at bank and in hand 363,042 415,865

2021£ 2020
£
Opening defined benefit obligation 5,683,000 5,677,000
Current service cost 15,000 15,000
Employee contributions 4,000 3,000
Interest cost 128,000 131,000
Actuarial Losses/(gains) 406,000 96,000
Benefits paid (236,000) (239,000)
Closing defined benefit obligation 6,000,000 5,683,000
Changes in the fair value of scheme assets were as follows:
2021£ 2020
£
Opening fair value of scheme assets 5,683,000 5,677,000
Interest on assets 149,000 158,000
Actuarial gains and (losses) 389,000 64,000
Contributions by employer 11,000 20,000
Employee contributions 4,000 3,000
Benefits paid (236,000) (239,000)
6,000,000 5,683,000
The amounts recognised in the Balance sheet are as follows:
2021£ 2020
£
Fair value of scheme assets 6,991,000 6,577,000
Present value of funded obligations (6,000,000) (5,683,000)
Surplus not recognised (991,000) (894,000)
Net pension scheme asset/(liability)

ENSION COMMITMENTS (continued)
The amounts recognised in the Statement of Financial Activities are as follows:
2021£ 2020
£
Current service cost (15,000) (15,000)
Interest on obligation (128,000) (131,000)
Interest on assets 149,000 158,000
6,000 12,000
Return on scheme assets less interest liabilities 486,000 (198,000)
Experience gains/(losses) arising on scheme liabilities (21,000) 124,000
Impact of changes in actuarial assumptions on scheme liabilities
Surplus not recognised
(385,000)
(97,000)
(220,000)
262,000
(17,000) (32,000)
The Brigade expects to contribute £nil to the defined benefit pension scheme in 2021.
The major categories of scheme assets as a percentage of total scheme assets are as follows:
2021£ 2020
£
Equities 59.1% 53.6%
Bonds 32.6% 38.1%
Cash 2.3% 1.7%
Annuities 6.1% 6.6%
Principal actuarial assumptions at the Balance sheet date (expressed as weighted averages):
2021£ 2020
£
Discount rate at 31 March 1.90% 2.30%
Future salary increases 2.50% 2.70%
Future pension increases 3.50% 2.70%
Retail price inflation 3.50% 2.70%

2021 2020
£ £
Amounts payable:
Within one year 23,209 59,183
Between 1 and 5 years 24,068 31,806
47,277 90,989