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2024-12-31-accounts

Canolfan Hyfforddi Coleg y Bala (Registered Charity Number 524277) Annual Report For the Ye(￿ ended 31 December 2024

Canolfan Hyfforddi Coleg y Bala Annual reportfvr the year ended 31 December 2024 Contents Pages Ke￿rtOfthe trus Slatement of financial athiti&s Balan￿ sheet Nottsto the fina￿]￿ statements 10-J3

Canolfan Hyfforddi Coleg y Bala I£gal and administrative irformation Constitution Conolfan H)thnldi Coleg y B81a fthe CollyTh 18 an un]n￿ry￿￿&tea organisation and a repsterti charity (No 5¥277). Trwtees The trustees of the College who were in office dnringthe year and up to the date of signing the RevNan Powell-DAvies mrH￿ DaTrryes (&cretary) Rev Huw Powell.D8vies (Chairn￿} Rev Emyrmliams Mrs Glenda Davies R￿rGe[w￿ RO￿￿ (resigned ￿ (ktolxT 2024) Revmikewanl (resi￿1￿ 31 De￿r 2024) Rev HuwDylan Jon Marian UoydJones (apwinkns 15 2024) Rdwx la]biaksangi (app)int￿l i Janukry2025} Rev H)ryvel FAward8 underthe￿ s(Ner￿thec0llese, thelxxlyof [Dana￿tsUsteeS shall u)nsist when o)mpleteof The ex officio tnLsts wmbe." the General Sthtary of The Presbyterian Church of Wales Cthe ChuLrh) duriDg his/her ap￿Intment the Ceth Managerofcoleglkn duringhislher tennofoffi(. Thenominablmanagingtsustee3iyll]be nominatrAloneiryeachof thefollomqngfromtbe Pregbs¢erian urch of Wales. the Genernl Assembly Bcrd, the R￿urCeS Ikpartment and P￿)￿￿tics Boart the iLdLEn andyouth SulP￿MMI￿, theA￿￿Tration in the the knociation in the Nortb and the Independent Audltors S%vyddfa leuenctid Ffordd Ffydan Y Bala Cardiff Gate Busin￿ Park 1123 7RY CF23 8AB Solicitors Cam]1￿$ So]icitor3 ILP 74 Stryd Fawr 1-5 St Davidsway 28 Worknngsttret St Davids Centre Cardiff CFIO 2DP GThynedd Ill￿3 7BH

Canolfan Hyfforddi Coleg y Bala Report ofthe trusteesfor the year ended 31 December 2024 The arepleased to prewlttheirannualre￿rt￿ndtheaud7ted financiaistatementsfrjrtheyear The financial statements Ilave been prepared on a going concern basis in eompliance with the applicable accountins standards in the United Wom inelllding the Statement of Recon)mended Prartice (SORP): Ac￿￿nting and RewJrtin8 by ch8rides in preparing their Financlal Statements in &CCOTdance with the Financial Rep)rting Standard (FRS) applicable in the UK and Republic of Ireland (FIL8 102). Statu8 and objertlves The College ig a iry)uth and cbadren's {￿lltre o￿Ted by The Presbyterian Church of Wales and is admi)￿ered as a sepNrately rystered Ch￿lty. The pllr￿￿ of the C4)llege is to arrange courses that followBibliL¥lthemesandinvolvegroupworksuch asdranja, craftand outdoorpursuit actI￿leS. Every asp&* of the workof &cA)llege￿ aimeA at encoura81￿a t￿50n￿l faithinJeslls Christ. hadreganlto charityC4)mri￿0n ￿]dan￿Oll publiebenefit in seetion 4 of the C&arIti￿ACt 2011. The College receives an annual srant from The Presbirterian Church of Wales to assist with salaries, runnlng costs and capitsl expenditure. The College reports to the Gener81 Assembly of The Presbyterian Church of Wales tI￿Oll8h its R&80llrces DeparttnenL The grant receivd in 2024 was £￿1 (2023: £105A58). The ￿￿Ill aetivityof the College (y)ntinu&s to be a residential knining centsE for chadren andyouug l￿pIe ￿￿thIn The Presbyterian Chuttb of Walls with cour￿ continuingto attrdct peopk fkr)m acra88 Wales andTrwnl Thekry d￿lOpMents, activities and achievements of tk Cnll4e a8fi)IIow5". The College has o)ntinued with its policy of e￿￿O>￿tig gap year studa)ts in o)niuwtiots with the CaDdidat&s and Training I￿part￿t of the P￿$byt￿lall Churcb of Wales. The College is baiswg WAth the Pre8byteIian thurch of Wales following tbeir CÉntre8 RevAew Panel WK)rt including the Dature of ministy and mwion with chlldren and yOUDg wJpl< noting that the College continues to be a (£ntra] and ll￿Sary resour￿ fOrW￿k￿lth chllaTen And young ￿pIe. Di8eussionA ongoing following the decision to remove the aDnual grant atthe end of 2026, and the trustees are looking at a p)8sible CIO creation. alld looking at e￿MeDIcal partneLShitX8 with other simi]Ar kthia8. The LY)Ily h&8h(rtd a wide range of couThes incluthng'souled Out.. FAsterc01113es> youth COUTses and it is estimated that some 400 young people benefited from the Coleg lastyear. The hollBein Coleg y Bala 7s now empty, the mmagers have moved to their own proFrty In the town. with the hope that the Coleg house e2n be ￿ed for n)Inistry/hi￿ The trustees arranging￿rne Maintenan￿ andwill Create a plan once ti is ready.

Canolfan Hyfforddi Coleg y Bala Report of the trusteesfor the year ended 31 December 2024 The primary Sollr￿ of income continued to be the annual grnnt from The PrtsbyteriAn Chutth of Wale The total income increased from £181,999 in 2023 to £212,978 in 2024. The primary reasons forthe Inc￿aSe were anincrease in the grant from the P￿%bYt￿l&n Chureh of Wales from £105,458 in 2023 to £122,441 In 2024, togetheT with an increa8e ID course and residential fees from £44.896 in 2023 to £58.638 in 2024. During the year, the fimds of the College have been to the a)llege obieLtives. The net Incomi￿ fimds for the year amow)tsl to £17,202 (2023: £21). The incLrase in RnLx)miDg resourn is at￿ll￿b]e to the Incre￿ in in(y)me not￿ aEx)ve offsetting an Incre￿ in e￿nditU￿ on charitsble activ1￿frOM £181,978iti 2023to£i95,7ffj in2024.TheTesults fortheyearareshowninthestatement The funds available for use by the College are un￿strICte(L The tr￿stets have d&emlin￿ that the unrthLtedkn(Ls shouldkatalevd torefkntaminimumofsixmonth'worthofexpendituretoensu the flltU￿ viabllity of the College in the el￿nI of unforeseen circumthnce8. At 31 DeeemFw 2024 the The tLI]Stees are satigfid that the fillanC￿ N%ition at the yeaTrend is adequate to tn&t the on%oing requi￿￿ts of the Q)llegeWiththel￿￿t]Duea5llpPQrt0fThe PLYsbitsrianChurchof Wal&s. Following a re￿ of its centre8 The Presfykrian ￿￿[ch of Wales has a￿1 funding for thleg y Bala until the end of 202& The ttusiees undertalong a review of the CULTe￿ risk LEWSter, and uEMlating it to the major risks to whichthe College is and its risk n￿￿ement and internal control PT(wlure5 in onler to ensure that S￿emS are in placeto mitigats these ngks. Governanee of the &)llege thving 2024 the trllst￿ met fourt]n￿& On a day ts> daybasis the G)]lege is bythe staff at thecollege wRK>liai5e d(with the tr￿￿te&S when &gnifiwt matters aris Publle Benefit on public ttnefit in particuknthe guidanee on thaTities forthe advancemellt of ￿￿gLO[L Date.. ￿ October 2025

Canolfan Hyfforddi Coleg y Bala Statement of trustees, responsibilities The trustees &Te restx)nsible for prepari￿ the Trust￿8, Amnual Report and the financial 8tatements in ae1x>rdan(￿ with applicable ]AW and Unit&1 Kin¥domknounting Standards (Unlted Xingdom Generally Accepted AC￿llnting Practice). The lawapp]ieable to charities in England and Wales wuires the trustees to prepare financi81 8tateznellts for each flnancial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of ￿OUrCeS of the el)arity for that p￿70a, In preparing tho8e financ￿ statements, the tnL8tees are requlra to: Se1￿ suitable aceountiDg polieies aud then apply them consistently Obser￿ the Djethods and prineiples in the Charlties SORP. make judgments and estimates that are reasonable and prndent. state whether appli(xble a￿Oll￿ting stsndards, comprisiDg FBS 102, havebeen follow&l subject to any material departures di8do8ed and explained in the financial statements. and prepare the financial statements on the goiDg concernbasis unkss it 18 inappropriate to p￿sU[￿e that the charity wlll continue in busine&8. The t￿￿tte& are reS￿nsIble for keeping proper accounting records that disclose with Teasonable accuracy at any time the financial p)sition of the charity and enable themto ensure that the finaneial statements cnmply with the Charities Act 2011, the Chatity (Accounts and Rewrts) Regulations 2008. They are a]so responsible fi)r safeguarding the a&3ets of the charity and henee for tsking Teosonable steps for the prevention and det￿￿10Th of fraud and other irregularitie& HywelIJo)ryl Davi& 21

Cano]fan Hyfforddi Coleg y Bala Independent auditors, report to the tn￿tee8 of Canolfan Hufforddi Coleg y Bala We have auditd the fillancial statements of Canolfan Hyfforddi Coles ¥ Ba]a forthe 31 Decemlw 2024 wRlltha)mpnthe Slatemeut of W]nan(2al Ac￿￿ttes, Ba]anc£ not&8 to thefinancial statements, inclu ' tEL and rtingframeworkthat haSI￿n a Si￿I￿[•￿t aeLyMmting￿1l(le5. The financial ngdom Aixx)un tion is ap licablelaw and Unl￿1 Stan 102 Zhe￿In(￿ClaI (uylthle in the UKandRepublie ofI A(￿￿lti￿8 Practice). give a lrne andfairviewof the stats ofthe eharitys affairs as at3iA [k￿nE*r2024 and of theclwitjls inox)ming resouTh and appli￿tion of r￿ur(W induding its ino)me and exwiditure, for the year then ended; haTrE Ixen pry&r￿ in with the rqlliren￿ts ofthe ChaTiti&sAct 2011. Wever theother lnfonnati0nan￿ ex￿ptt0v¢ extent otherwise exp]￿itty stated in our re￿wea0 notexpre&s any forni ofas8urance wneluslon the￿n. Our resp)nsibilityi8 to ￿dthe other iDforll]ation in doing￿1, rDn￿erWhetherthe other iDfornlltion is materially in(x)nsisteDtwith the finaTh(￿￿ statementsorourknowledge (knained in the courne of the audit orotherwKse appears toE£ materia]ty mithtLNI Ifwe identifysuch material in(x)nsistencies or apparent material Mi￿tements we are wuired to detenlline whetherthis gives rise to a material mi&Ttatement in the financial statements themsel￿. I( on the workMEI]ave wformrf we ￿ll￿ude thatthere is a D]aterial njisstatementof this We have notbitigtorep)rt in this Tegak

Canolfan Hyfforddi Coleg y Bala Independent auditors, report to the trustees of Canolfan Hufforddi Coleg y Bala Wehave nottung to ryrt in resw* of the following matters in re]atAontoThthith the Charities (ALwunts and Re￿ts) Regulations 2008 require us to reFrf)rt toyou rf, in our Opinion: the infornjation Mryththe tr￿1￿ IEwiL' or ffieient aewunti rea)rds haNE notbeen kept. or the d)wiWsfinanX statements are notin agreement withthe a0￿nting Telm)￿8 and we have nOtr￿1v&1all the informatK)n andexp]aDationsME rwireforouraudkL As explain￿ rn0￿ fi￿Y in thetn]stees' E f&swllsble forthe preparation of the ￿￿￿￿LtIeS statement ￿ out on we 4 the tnL8tees al statements and for I￿Ing saljsfied that they give a ttueandfAirview, andforsuehinterllal control as the tnkn determine is ne(tS5aryto enable the pwaration of financial statements that arefree from mat￿la1 misstatemenL whether due to fraud orerror. abK.ryingthe financial statements, the tnts are re$Fo￿l￿e for ty to eontmlle a8 a goll¥ (y)nirrn, dwlos]n& &s apphcable. n￿tte￿ LEla the charitsls and USiDg the goingix)ncernbasis of acmunting unless the trustees eld￿r intend to liquidate the d)arity or to wse 0￿ratiOnS or haNT no realislie alternativebuttodo Fn. We havelMI ap a(wrdanc£ ￿￿th Killt￿ as auditorunderwtion 45 of the Chariti&8Act 2011 and in eActand relevant regulatK)rLS made 0rhavll￿ etTertthereunder. whole are free from material mi&statemenL whether due to fraudorem>r, andto i&que an auditorfs Tepjrt that indudesour opinioJL Reawnable &sUran￿ is a but i8 not aguaralltre that an audit ￿dlleted in aCwrdall￿wlth ISAS UK) ￿ alwa Afurtherd￿1ptiOD of our r￿nSIbilIti&s1S available on t1￿ FInana￿ ReEK!T,Q)und's website aL. Iillikn../JwTr%Tri'.fr(:.Iir ' (Iiir-Ik'LirkLAii(lill:.luclil-IlTiII-J%4Ufciiire St.ii)( ]stanL￿(L8-and- widdnee-for-a ditors Allditors-ro>q alldjt￿￿ri )tion f-audi￿[S-[￿$ 'biliti&s-lor-dudiL&% auditorfs rewL Irregukn, indudingfrau(L instsnces 0fn0n-comp]ian￿ withlaws and ￿atiOll& We prrthlures in line with our reswnskbilitie4 Outlin￿ al￿ve and on tbe uding frau(L We (btsin and utAtste ourunderstatyof the entity, its activitie4 its (x>ntrol enVIr￿ent alld]ikely fithtre developments. induding in re]ation to thelegal gmd appIl￿ble and how the entity is o)mpl . with that framework we identifyand as%ss the risks of rnate ' mi&8tatementGf the financial statements, Trthether due to fraudorern)r, andttrfomi aUdItpr￿1uyes r¢s￿l￿￿1veto th(￿ and obtsin auditthudell￿ that ts suffiaent and appropriate toprovide aE￿ for our opinion. This dudes 0)ns￿era￿0ll ofthe ofaetsbythe entstythatWaE ￿n￿￿toappll(th lawts and Ye￿atiOn& I￿]udingfrall nsetothe ri8k of irreguknes 8nd nOn-(X)mpli2n￿ with laws and Tegulation

Canolfan Hyfforddi Coleg y Bala Independent auditors, report to the trustees of Canolfan Hufforddi Coleg y Bala znaterial the extent of LX)Mp]Ian￿ withthe]aws and regulati(Ins I￿)￿SIde￿￿￿t0 have a dIr￿t on thefinancial statsments orthe operdtions of the entitythrough enquiry and o)mpliancewithapplicable ]awsand re9￿atio￿., . Perfonningaudit workoverthe riqkof managementbias and OWTide of (x)ntro]4 inc]u(bng ting ofjourn&i entriesandotheradiustn]ents for a ropriatenes% evalua1ing thebusiness Po£ause of the inherent]im1tatio￿% of an audiL there is a riskthatwemryll notdeteet all iTregulariti&s, 1ndu1thn8th￿eIead]D￿tr) a material misstatement in the finaniial statements or Don-complw]c¢ with regl￿allOn. riskincreas&s the morethat Lvm ce a lawor regulation is ￿moVed fiDm the events andtrawctiOfLS rellecLedin the cial State￿entS as we wlll IE less likely to kn)me aware of installLES of non-compliance. The risk of not de￿illg a material rnisstatement ￿UltingfrOM fizud is bighertban for one resultingfiDm error, as fraud may involve a)Ilusion, forgery, intentional omission4 m]srep￿nlations, or the 0￿rrIde of internal (x>ntrol. Useofourrep)rt Thi8 re￿rt is made s￿le1Ytothe chariWsttiistee4 as a IKKty, in a(Xy)Tdan￿wlth Part 4 of the Chajities (A(xY)unts and Re thatwe mightstate tothe ) Regulations 2008. Our audit work hasE*en undertaken 't)Is tr￿￿teeS th(￿e n]atterswe are ￿ul￿a to state to thetn in an auditor's ￿N)rtalld for no other purEKEa To the full&st extent￿rMittedbY law, we do not aLXEPtora&gJme rosy)n￿balty to i)nyonei)therthan the ]xNJy, for ourauditworkfor thistewL orfortheopinionswe and the (knilrfs tnLStees as a Vefolill￿L Derw limeT￿e C(Rut CF23 8AB Date: Jo (kb)Iw2025 AzetsAudit Services is elig￿1 le to act as anauditor in tern￿of Section 1212 of the Companies Act 2006.

Cano]fan Hyfforddi Coleg y Bala Statement of financial activities for the year ended 31 December 2024 Note 2023 Course and BAidelltial Fees Shop sales 2,184 5*000 151805 122A41 8.910 I￿77 l%)nations Grant from pr￿erIan Cthurth of Wales 24,010 105A58 058 Total 4999 191,985 180.192 Costs of generdtingfunds: Shop costs 39791 4786 Totsl 195.Tr6 4978 Net iticome 179202 Total fi￿aSbrnUg￿t forwdrd 24&172 244￿1 Total bmds ￿rIedfol￿ara 258a74 244IT2 All recOgnis￿gaIns andlosses haVeb￿ inclutslin the Statern￿ of F5nanci8] Activities and the amoiints induded are derivd &￿Illthe contijjuing Ope￿tiOnS of thecolleg (￿t 4uivalellts. The notes on w to ioto ￿ form part of these financial statements

Canolfan Hyfforddi Coleg y Bala Balance sheet as at 31 December 2024 2024 Note 2023 TaTh￿￿]e assets 79.075 Stock Debtors and Prepayments Short tenn detH)sits Cash at bankand in hand 2,295 292 ,000 70,249 298 215,000 25.238 241,669 207,836 Creditors: amounts falllng due within one Owed to The PresbyieIian Church of Wgles Sundry Credito￿ and ￿r[￿lS 49.074 18296 49981 &829 fr2a70 55,810 179,299 152026 Totsl 858ets less current liablltties 258a74 241,IT2 Total fiuMIs 258J74 241,172 The finAncial statements on pag￿ 8 to 13 were appmvedbythe Board of Tnkn on 21 OctolKr2025 and signed on its ￿half by: lloyd DaviesTnJstee

Canolfan Hyfforddi Coleg y Bala Notes to the financial statements for the year ended 31 December 2024 Principal aecountlng policies Conventio￿ and in accordan￿ with the app]1(X￿1e aco)unting standards in the United Killgdoy￿ tbe Statement of Recorn￿ Prnctice (SORP) "Aeix)unting and Reporting by Charities" (effective i JAnuary 2019, FRS 102 and in aLYordanLY with the Charities Act 20Ji. wing ￿n8]stentlY applied aC￿￿ti￿￿]I¢le5. The financial Statements a￿ prepared in sterling. which is the funrtional CUTreney of the charity. Monetary amounts in tlwe finaneial statements are rounded to neaTest £. Income policy Incomefmmdonationsandlegacie% &8 ￿08￿WI0na￿?i￿lebasjSWhellthere is 8ufficientcert8inty of TeLfiPt and of the value of the incoming rEsoun* ran be with sufficient ￿]iabilIty. Grants ivablefmmthe Pre8byteri8llChuffh of a￿]nClUd￿ as inLX)nTr in theyearof receipt. The CCL8t of tawble fix&1 assets is the purchase co4 together with any incidentsl expenses of aquisitioL Assets costing less than £3,000 are not eapitalised Fixed a&8ets are suiwuelltty rwisd at netlxx)kvalue illa(￿rdan(￿ with the depreciatioupolicy statedbelow. Depreciation￿ cbaryed bythestraigbtlille methcKI towiitedown the L¥k8tof the a9￿t0 theirresidual lue overtheirestimat&lusefill ]ife at thef0llow1ngrates￿annllrn: 5% 10%- 20% 20% Motorvchicl The ￿n0D)le useful li￿ and residual Ivlue of fixed 8&8ets atthe e￿ of eaeh a(toundng I(￿ There has TrEeD nochaDge in the estimated USefi￿ eix>nomic lives duringtheyear. st(￿kIssta￿I atthe lowerof cost and net ￿lISable Vdlu All fimds held by the College are unrestrietsl And eAn in a(WTdance with the charitsbk objectives atthe di8crthn of thetrustees Cash tlow statrment The Cdkge hastsken advdntsge of the aemp6on under FRS 102. paragrdph 1.12(b), from pteparing a statement of cash flow8 on the ba8is that it is a qualifying entity and its ultimate parent, Presbyterian Church of Wale4 indudes the G)llege's Cash flowsin itsown con￿lida￿lfjnanclaI statements. 10

Canolfan Hyfforddi Coleg y Bala Notes to the finaneial statements for the year ended 31 December 2024 Princip￿ aceounting poliaes (continued) These financial statements may ￿ obtsined fiyjm the CEwity See￿ at Tabernaele iThapel, 81 MerthiT Roa(L Whitchurrh, Cardiff, CFM ￿D. The Charity parkncipates Én a defined benefit pension seheme operated by its parent thaTity. The Presbyterian Chureh Of Wales. The scheme is accounted for in the parent d]ariWs aceounts, The eontiibutions paid by the Charity Are accounted for as if the scheme We￿ a defmed Contribution scheme as the Charlty is unable to separately identify its share of the underlying assets or liabli itie8 in the scheme. the Coll￿ is a rewstered charity it is entitled to certain tsx exemptioL8 onineome and ptt)fits from An￿ts, and SU￿1￿$&5 on any trddins activiti￿ caLTid out ill the fi]rthe￿ of the C4)llege'8 pritnary objthw, if these profits a[￿ Surp1￿{￿ areapp]ied soletyforcharitable pury)ses. 2024 a023 costs Costs Cout8eS Shop oJ8ts Total 23,611 47A13 64081 56.880 3.791 191,985 3,791 195* 0.192 1,786 181?978 23.611 47?413 64,081 kndit fees 8re paid bythe Presbyterian Church of Wales. $llp￿rt eosts 9024 2023 TrInan¢￿ and administration staff ￿sts 15>741 38,269 10.0 21.252 29,130 I1￿16 Depreciation 081 61,898 Basis of allocation Support costs are allocat￿ on the basis of the estiD]ated percentage all￿￿tion of staff time spent on the eharitsble actiNryty ofthe College. 11

Canolfan Hyfforddi Coleg y Bala Notes to the financial statements for the year ended 31 December 2024 2024 2023 37J336 2,016 50.822 2,307 39,352 5&129 There weLEnoemployees en￿]Uments alJ)ve £&),000 (2023: nll) 2024 Nwnber 2023 Number No tr￿tee recetved anyremuneration for the seTvieos they provided as Trustee in either year. No (2023: none) trustee5 had expeDW paid orwere reimbursed for expe￿eS in the year. Thase eosts were met by the PATsb)rterian Church of Wala8 and weTe for travel and subsistence and totaled £DII (2023: £nil). Tangible assets vehldeB Improvements EquApment Total Cost At i Jam]ary2024 1490 .640 754320 At 31 De￿llber 2024 J2J590 556,640 185,090 754)320 At iJanuary 2024 556,640 95,944 10,0 665,174 10.0 Cha￿e foryear 123590 $56,640 106.0 675>245 Net IN)ok value at31 December 2024 At 311)ecembeT 2023 89*46 89,46 12

Canolfan Hyfforddi Coleg y Bala Notes to the financial statements for the year ended 31 December 2024 Total funds Total Total 2024 Incomin8 resoiirces 31 December 2024 212 Pension costs All employees at the &)llege were eligil>le to be£ome memkrs of The Presbyterian Church of Wales final salary pension scheme. The seheme was do$￿ to future aecrual on 30 September 2022. All employees are eligible to join the PTesbyterian Church of Wales defined eontribution scheme admini*ered by C￿5￿0 The final salary scheme provides benefits on fina] pensionable P colltributioL8 being eharged to the statement of finaneial activities so as to spread the cost of pensiong over e￿ploYeeS. working lives with the College/PresbyteTlan Church of Wales. Full detaib of the assumptions &nd Vdluation of the seheme shown In the finAncial statements of The Presbyterian Church of Wales. All etuployer coutn￿￿tionS paid bythe Presb￿erlall Church of Wal& Contnljutions to the scheme by the College forthe year amounted to £Da (2023: £Dll). Related party transactions The College 18 theyouth 8nd dkn'8tr8ining eentre of the Pr￿b}￿en8ll Churd] of Wales, Tabernacle 81 Mertbyr Roa(L Ivhitchurety CardilE CF¥ IDD. The tru8teth have Qx>￿deThI the diselosll requIr￿ts of the Statement of R￿mmended Prnctiee for (Jwities and eonslder that the (i) thePresb)terianChU￿hofwal&8has amwded a ￿tt0f £￿2A4L{2023. £105A58) foruseon both reyellue and capTrts] expenditure for the year, £31,000 (20iq: £25.000) of this Wds provId￿frOM theCandidat&8 andTraining I￿r￿}ent of the PreSbyt￿ian Chllreh ofwales. (ll) thecollege has a creditorb31aneeof £39,781 (2023: £49981)attheyeaTrendin relationto staff The College bas a crry]itorbalan￿ with aAegTrefeea of £9293 (2023: £nll) at the)wendin Telation to interest distributed due tt) Q)legTrekn. (iv) One tr￿Stee (2023: two) of the College hgs an outstAnding n￿rtgage 8md L2r loan from the PTknri￿ Chll￿h of Wales of £H,354 (20￿. £55,y72) atyear end. Total intere8tof £4583 (2023: £1,763}w8s payabletothechurch in relationto thesebalances duringtheyear. The n￿r￿UM￿l0anavall￿b1ei8 £6￿00 (£8,500 fortheyllthase (rfén dectriciw) rewdble overa of 5years, at aninterest rateof 3%. The (xrloans aTe unseellredloans. The marimum mortgageavailableis £200,000 repayableover a n￿muM peii(d of 3oyears, atan interest r8te of 3%. There are eertain ex(wtlon8 t0th￿e tern)8 within the mortgage set bythe thuTcb and each 13