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2025-09-30-accounts

St Oswald's Scottish Episcopal Church

Charity No. SC001417

Trustees’ Report and Unaudited Accounts

30 September 2025

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St Oswald's Scottish Episcopal Church

Contents

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|||||||| |---|---|---|---|---|---|---| |Pages| |Trustees’|Annual|Report|2to5| |Independent|Examiner's|Report|6| |Statement|of Financial|Activities|7| |Balance Sheet|8| |Statement|of Cash flows|9| |Notes to|the|Accounts|10 to|16| |Detailed|Statement|of Financial|Activities|17|to|18|

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St Oswald's Scottish Episcopal Church

Trustees Annual Report

The trustees present their report with the unaudited financial statements of the charity for the year ended 30 September 2025.

REFERENCE AND ADMINISTRATIVE DETAILS

Charity No. SC001417

Principal Office

260 Castlemilk Road Kings Park

Glasgow G44 4LD

Trustees

The following Trustees served during the year:

Key Management Personne!

Accountants

Compass Accounts

35 Norman Road

London

1G1 2NH

Bankers

Bank of Scotland 82 Main Street

Rutherglen Glasgow

G73 2HZ

OBJECTIVES AND ACTIVITIES

Charitable Objectives and Activities: The Church’s objectives are threefold:

(1) To worship the living God in the tradition of the Scottish Episcopal Church. (2) To support and encourage the existing congregation in their faith and journey of life. (3) To witness to others the fullness of life that is found in Jesus Christ and to serve the community of King’s Park and locale to the best of their ability.

PaGe z.

St Oswald's Scottish Episcopal Church Trustees Annual Report

The Church’s regular activities have continued to grow during the past twelve months. As part of our outreach the vestry and congregational members positively encourage community groups to make use of our church premises. We continue to have a number of groups hiring the church space, including yoga, boxercise, Slimming World, tap dancing and one-off events hire.

The church has continued to strive to be an open, hospitable and welcoming place.

The toddler group has now got a steady number of young people and carers who attend, though there is inevitable ebb and flow.

Our community choir JustSing! is going well. We have a new choir director, a music therapist,| ES continue to monitor our expenditure and income balance for the choir which is balanced most weeks but not every week. We have applied for a National Lottery Community Grant to help facilitate this work. The choir has made a number of community connections and taken part in a few performances. Next year we are hoping to take the choir into local care homes. This group continues to be a valuable social space for many. Our craft group continues to run twice a month. We are keen to grow this group and are working at ways to advertise it and to draw in more people.

Also, as part of our outreach to the wider community, and to recognise specific festivals, the upcycled and knitted creations have been displayed inside and outside the church and received a number of compliments from visitors. We have started using the front garden in different ways to mark different seasons — for example, prayer ribbons at Pentecost and planting bulbs as a way to remember someone.

The Priest in Charge has joined the Church of Scotland minister from Kings Park Parish Church in becoming a member of the Chaplaincy team for Kings Park Secondary School. Together we take assemblies and are working at ways to support the staff and pupils as much as possible e.g. spending lunch hours in the staff room, baking for inset days etc.

We have also shared in a number of joint activities including ecumenical worship and craft group activities, bake sales etc.

The church continues to produce the monthly magazine and supplies it in electronic and hard copy. This enables us to keep in touch with both congregation members who attend in person and those who are no longer able to worship with us in person or live further afield but have connections with the church. The porch space has now been developed into a new ‘quiet space’ which is able to be open to the public when the priest is in the office.

We have plans in place for a community garden in the back and are investigating ways we can get physical help to make this happen. One possible route for this is young people from the secondary school doing their Duke of Edinburgh. One of the key events of the year has been the appointment of the new Bishop of Glasgow and Galloway, a bishop has asked us to explore, with St. Aidan’s and St. Margaret’s, andbecoming part ofa ‘minster model’ of working more intentionally together to support each other in mission ministry whilst retaining our own Vestry Committee and Constitution. As this report is written there are ongoing discussions around these plans. Our priest in charge will be licenced to St. Aidan’s at the end of November. The Diocese are paying for an external facilitator for this work, and it is hoped that this will enable us not just to survive but to thrive.

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St Oswald's Scottish Episcopal Church Trustees Annual Report

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ACHIEVEMENTS AND PERFORMANCE

As well as public worship on a Sunday we have held Morning Prayer in person twice a week and online once a week. We have stopped our midweek communion as numbers were too low.

Although we are a small congregation, we have tried to fulfil the church’s purpose of witnessing to the Christian faith in Kings Park and the surrounding area. We are intentionally reaching out to Kings Park Church of Scotland and Castlemilk Church of Scotland and, as above, we are increasingly working with them on small projects. In addition, this summer our Priest in Charge helped at a Mother’s Union AIFA funded holiday for families supported by The Daisy Project in Castlemilk. We are actively pursuing ways of building our links with this small charity who support women and children who have suffered domestic violence.

The vestry has continued to maintain the upkeep of the church property, especially its grounds, roof and heating systems. Thanks to a grant applied for by the Diocese the church has been redecorated, and we have new light fittings. We have also had a HIVE heating control system installed which will hopefully reduce our heating costs as we have much more control. We are applying for a retrospective grant for the light fittings with the permission of the Dean and the Provincial Buildings advisor.

The vestry contracts a loca! cleaning company to visit weekly to maintain the inside of the building anda gardener bi-monthly to keep the la rge lawned areas in check.

FINANCIAL REVIEW

A review of the charity's financial position at the year end 30 September 2025. Based on current year performance as per the statement of financial activities on page, this year the charity resulted in a deficit of £58,191 (2024: profit of £13,171 before gains/losses on investment income).Total restricted funds in the year £302,387 (2024: £302,386). Balance unrestricted funds reported £191,914 (2024: £191,840). Total funds carried forward £443,268 (2024: £494,226).

Principal sources of funds

The principal funding sources of the charity comes from weekly Regular Offerings, Free Will offerings and Investment income from Rathbones. Another source of generating of income is from Hall Lets for various activities hired by the community.

PLANS FOR FUTURE PERIODS

The congregation is working alongside the new Priest to grow the membership of St Oswald’s; sharing ideas and putting them into practice for inhouse events; working with other episcopal churches and nearby other denominations on the southside of Glasgow; working within the community and supporting through practical and financial donations to the local Foodbanks, knitting for charities and responding to the Bishops Appeal,

STRUCTURE, GOVERNANCE AND MANAGEMENT

St Oswald's Episcopal Church is a member of the Diocese of Glasgow & Galloway of the Scottish Church. It is a registered charity (SCO01417) and is governed by the Vestry.

Statement of trustees’ responsibilities in relation to the financial statements The charity trustees are responsible for preparing a trustees' annual report and financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

St Oswald's Scottish Episcopal Church Trustees Annual Report

The trustees are responsible for keeping proper accounting records that 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 and Trustee Investment (Scotland) Act 2005, the Charities Accounts (Scotland) Regulations 2006 (as amended) and the 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 (FRS102).

The trustees are also responsible for safeguarding the assets of the charity and hence taking reasonable steps for the prevention and detection of fraud and other irregularities.

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St Oswald's Scottish Episcopal Church

Independent Examiners Report

Independent Examiner's Report to the trustees of St Oswald's Scottish Episcopal Church

| report on the financial statements of St Oswald's Scottish Episcopal Church for the year ended 30 September 2025 which comprise the Statement of Financial Activities, the Balance Sheet, the Statement of Cash Flows and the related notes,

Respective responsibilities of trustees and examiner

The charity's trustees are responsible for the preparation of the financial statements in accordance with the terms of the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulation 2006 (as amended). The charity trustees consider that an audit requirement of Regulation 10(1) (a) to (c) of the 2006 Accounts Regulations does not apply. It is my responsibility to examine the financial statements as required under section 44(1) (c) of the Act and to state whether particular matters have come to my attention.

Basis of independent examiner's report

My examination is carried out in accordance with Regulation 11 of the 2006 Accounts Regulations. An examination includes a review of the accounting records kept by the charity and a comparison of the financial statements presented with those records. It also includes consideration of any unusual items or disclosures in the financial statements, and seeks explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently | do not express an audit opinion on the view given by the financial statements.

independent examiner's statement

have not been met: or

35 Norman Road

London

IGi 2NH

a13 November

St Oswald's Scottish Episcopal Church Statement of Financial Activities

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for the year ended 30 September 2025

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|||||||| |---|---|---|---|---|---|---| |Unrestricte|Restricted| |d funds|funds|Totalfunds|Total funds| |2025|2025|2025|2024| |Notes|£|£|£|£| |Income|and|endowments| |from:| |Donations and|legacies|3|11,868|*|11,868|7,469| |Charitable|activities|4|3,486|-|3,486|35,326| |Other trading|activities|5|7,190|-|7,190|3,786| |investments|6|45,835|12,126|57,961|36,395| |Other|7|3,994|-|3,994|-| |Total|72,373|12,126|84,499|82,976| |Expenditure|on:| |Charitable|activities|8|45,844|12,125|57,969|54,314| |Other|iS)|30,252|-|30,252|15,491| |Total|76,096|412,125|88,221|69,805| |Net|losses on|investments|(54,469)|-|(54,469)|-| |Net (expenditure)/income|(58,192)|1|(58,191)|13,171| |Transfers|between|funds|~|-|-|-| |Net|oP(expenditure)|/income|a| |.| |before|other|gains/{losses)Vv|(58,192)|1|(58,191)|13,171| |Other gains|and|losses| |Other Gains|7,233|-|7,233|-| |Net movement in funds|(50,959)|1|(50,958)|13,171| |Reconciliation|of funds:| |Total funds brought forward|191,840|302,386|494,226|481,055| |Total funds carried forward|140,881|302,387|443,268|494,226|

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Page 7

St Oswald's Scottish Episcopal Church Balance Sheet

at 30 September 2025

Charity No. SC001417 Notes 2025 2024
£ £
Fixed assets
Investments 10 429,917 484,386
429,917 484,386
Current assets
Debtors 11 3,338 3,727
Cash at bank and in hand 11,908 18,969
15,246 22,696
Creditors: Amount falling due within one year 12 (1,895) (12,856)
Net current assets 13,351 9,840
Total assets less current liabilities 443,268 494,226
Net assets excluding pension asset or liability 443,268 494226
Total net assets 443,268 494,226
The funds ofthe charity
Restricted funds 13
Restricted income funds 302,387 302,386
302,387 302,386
Unrestricted funds
General funds 194,914 191,840
Designated funds 436 -
195,350 191,840
Reserves
Revaluation reserve (54,469) -
(54,469)
Totalfunds 443,268 494,226
Approvedbythetrusteeson13November2025

And signed on their behalf by:

Page 8

St Oswald's Scottish Episcopal Church Statement of Cash flows

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for the year ended 30 September 2025

2025 2024
£ £
Cash flowsfrom operating activities
Net(expenditure)/income perStatementofFinancial Activities (50,958) 13,171
Adjustments for:
Dividends, interestand rentsfrom investments (61,955) (36,395)
Decrease in trade and other receivables 389 -
(Decrease)/Increase in trade and other payables (10,961) 1,895
Netcash used in operating activities (123,485) (21,329)
Cashflowsfrom investing activities
Dividends, interest and rents from investments 61,955 36,395
Netcashfrom investing activities 61,955 36,395
Net cashfrom financing activities 7 -
Net(decrease)/increase in cash and cash equivalents (61,530) 15,066
Cash and cash equivaients atthe beginning oftheyear 18,969 3,903
Cash and cash equivalents attheend oftheyear (42,561) 18,969
Components ofcash and cash equivalents
Cash and bank balances 11,908 18,969
11,908 18,969

Pace A

St Oswald's Seattish Enisconal Church Notes to the Accounts

| 1

for the year ended 30 September 2025

1 Accounting policies

Basis of preparation

The financial statements have been prepared in accordance with Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102), the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended).

Change in basis of accounting or to previous accounts

There has been no change to the accounting policies (valuation rules and method of accounting) since last year and no changes have been made to accounts for previous years,

income
Recognition of Income is included intheStatementof Financial Activities (SoFA)when the charity
income becomes entitled to, and virtuallycertain to receive, the income and the amount of
the income can be measured with sufficient reliability.
Incomewith related Where income has related expenditure the income and related expenditure is
expenditure reported gross in the SoFA.
Donations and Voluntary income received byway ofgrants, donations and gifts is included inthe
legacies theSoFAwhen receivable and onlywhenthe Charity has unconditional
entitlement to the income.
Tax reclaims on Income from tax reclaims is included in theSoFA atthesametimeasthe
donations and gifts _gift/donation to which it relates,
Donated services These areonlyincluded in income (withan equivalent amount inexpenditure}
and facilities wherethe benefitto the Charity is reasonably quantifiable, measurable and
material.
Volunteer help The value ofanyvolunteer help received is not included inthe accounts.
Investment income _ This is included in theaccountswhen receivable.
Gains/(losses) on This includes anygain or loss resultingfrom revaluing investmentstomarketvalue
revaluation offixed atthe end ofthe year.
assets
Gains/(losses)on
investmentassets
Thisincludesanygainorlossonthesaleofinvestments.

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St Oswald's Scottish Episcopal Church

Notes to the Accounts

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|||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---| |Expenditure| |Recognition|of|Expenditure|is recognised on|an|accruals|basis.|Expenditure|includes|any VAT which| |expenditure|cannot|be fully recovered, and|is reported|as part of the expenditure|to which|it| |relates.| |Expenditure|on|These|comprise the|costs associated|with|attracting voluntary income,|fundraising| |raising funds|trading|costs|and|investment|management|costs.| |Expenditure on|These|comprise the costs|incurred|by the|Charity|in the|delivery of|its|activities|and| |charitable|activities|services|in the furtherance of|its|objects,|including the making|of grants and| |governance|costs.| |Grants payable|All|grant expenditure|is accounted|for on|an|actual|paid|basis|plus|an|accrual|for| |grants that|have|been|approved|by the trustees|at the end|of the|year|but|not yet| |paid.| |Governance|costs|These|include|those|costs associated|with|meeting the|constitutional|and|statutory| |requirements|of the|Charity,|including|any audit/independent|examination|fees,| |costs|linked|to the|strategic|management|of the|Charity, together|with|a|share|of| |other|administration|costs.| |Other expenditure|These are support|costs|not allocated|to|a|particular|activity.|

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Taxation

The charity is exempt from tax on its charitable activities.

Trade and other debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Trade and other creditors

Short term creditors are measured at the transaction price. Other creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlament amount after allowing for any trade discounts due.

Pension costs

The charity operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the charity pays fixed contributions into a separate entity. Once the contributions have been paid the charity has no further payments obligations. The contributions are recognised as expenses when they fall due. Amounts not paid are shown in accruals in the balance sheet. The assets of the plan are held separately from the charity in independently administered funds.

Receipt of donated goods, facilities and services

All donated goods, facilities and services received are recognised within incoming resources and expenditure at an estimate of the value to the charity.

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St Oswald's Scottish Episcopal Church

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Notes to the Accounts

2 Statement of Financial Activities - prior year

Unrestricted Restricted
funds funds Total funds
2024 2024 2024
income and endowments from: £ £ £
Donations and legacies 7,469 - 7,469
Charitable activities 35,326 - 35,326
Othertrading activities 3,786 - 3,786
Investments 36,395 - 36,395
Total 82,976 - 82,976
Expenditure on:
Charitable activities 54,314 - 54,314
Other 15,491 5 15,491
Total 69,805 - 69,805
Netincame incame 13,171 - 13,U74
Net income before other
gains/(losses) 13,171 - 13,171
Other gains and losses:
Netmovement movement infunds 43471a. a.~ ~ 93471
Reconciliation offunds:
Totalfundsbroughtforward 178,669 302,386 481,055
Totalfunds carriedforward 191,840 302,386 494,226
3 income from donations and legacies
Unrestricted Total Total
2025 2024
£ £ £
Regular offerings 5,996 5,996 5,453
Freewill offerings 586 586 1,505
Gift aid receipt 3,338 3,338 90
Magazines, fund raising
i
: & tea
money 1,948 1,948 421
11,868 11,868 7,469

PAGE 12.

St Oswald's Scottish Episcopal Church

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Notes to the Accounts

4 Income from charitable activities

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||||||| |---|---|---|---|---|---| |Unrestricted|Total|Total| |2025|2024| |£|£|£| |Diocese|payments|covering| |investment,|housing &|3,486|3,486|35,326| |mission|grant| |5|Income|from|other|trading|activities| |Unrestricted|Total|Total| |2025|2024| |£|£|£| |7,190|7,190|3,786| |6|Income|from|investments| |Unrestricted|Restricted|Total|Total| |2025|2024| |£|£|£|£| |Distribution|-|UTP|&| |Rathbones|5,835|-|5,835|2,470| |Cash|Withdrawls|40,000|-|40,000|33,925| |Epworth|-|12,126|12,126|-| |«45,835|——«12,126=SSs«SSTSGSSS«|BS| |7|Other|income| |Unrestricted|Total|Total| |2025|2024| |£|£|£| |Choir|Fund|3,081|3,081|-| |Talk|for Tots|Fund|12|12|-| |Charity Donations Fund|901|901|-|

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St Oswald's Scottish Episcopal Church

Notes to the Accounts

8 Expenditure on charitable activities
Unrestricted Restricted Total Total
2025 2024
£ £ £ FE
Expenditure on charitable
activities
Diocese payments covering
investment, housing& - - - 28,406
mission grant
Priest flat - 10,875 10,875 10,123
Council tax - 1,250 1,250 1,151
Priest Salary, pension &
ctherexnenses 43,949 - 43,949 12,739
Governance costs
independent examinerfee 1,895 - 1,895 1,895
45,844 22,125: 57,969 54,314
9 Other expenditure
Unrestricted Total Total
2025 2024
£ £ £
Repairs &Maintenance 11,991 11,991 6,036
Locum& DioceseQuota 2,660 2,660 1,776
Heat& Light 5,763 5,763 3,456
PPS, Sundries & other
charitable expenses me BABS sa
General administrative costs 20 20 -
Legal and professional costs 750 750 -
30,252 30,252 15,491
10 Investments
Other
investments
- Listed Total
£ £
Cost or revaluation
At 1October2024
Revaluation
484,386
(54,469)
484,386
(54,469)
At30September2025 429,917 429,917
Netbookvalues
At30September 2025 429,917 429,917
At30September2024 484,386 484,386

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St Oswald's Scottish Episcopal Church

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Notes to the Accounts

11 Debtors

2025 2024
£ £
Otherdebtors 3,338 3,727
3,338 3,727
12 Creditors:
amounts fallingdue within oneyear
2025 2024
£ £
Othercreditors 1,895 12,856
1,895 12,856
13 Movement in funds
incoming
At 1 October resources
.
;
{including
other
Resources
expended
Gross
transfers
At 3G
September
2025
2024 gains/losses)}
£ £ £ £
Restricted funds:
Restricted income funds:
302,386 12,126 (12,125) - 302,387
Total 302,386 12,126 (12,125) - 302,387
Unrestricted funds:
General funds 191,840 75,612 (72,538) - 194,914
Designated funds:
- 3,994 (3,558) - 436
Total - 3,994 (3,558) - 436
Revaluation Reserves:
Revaluation fund - (54,469) (54,469)
Totalrevaluation reserves (54,469) (54,469)
Totalfunds 494,226 37,263 (88,221) - 443,268
Purposes and restrictions in relation to the funds:
Revaluation reserves Representtheamount amount bywhich investmentsexceed exceedtheir historical cost.
14 Analysis of netassets betweenfunds
Unrestricted
funds
Restricted
funds
Total
£ £ £
Investments - 429,917 429,917
Net current assets 13,354 - 13,351
13,351 429,917 443,268

PAGE is

St Oswald's Scottish Episcopal Church

;

Notes to the Accounts

15 Reconciliation of net debt

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|||||||| |---|---|---|---|---|---|---| |At|30| |At i|October|September| |2024|Cash|flows|2025| |£|£|£| |Cash|and|cash|equivalents|18,969|(7,061)|11,908| |18,969|(7,061)|11,908| |Net debt|18,969|(7,061)|11,908|

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i

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St Oswaid's Scottish Episcopal Church

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Detailed Statement of Financial Activities

for the year ended 30 September 2025

Unrestricte Restricted
d funds funds Totalfunds Totalfunds
2025 2025 2025 2024
£ £ £ £
Income and endowments from:
Donations and legacies
Regularofferings 5,996 - 5,996 5,453
Freewill offerings 586 - 586 1,505
Gift aid receipt 3,338 = 3,338 90
Magazines,
fund raising
Bazines
me
& tea
money 1,948 : 1,948 421
.
11,868 - 11,868 7,469
Charitable activities
Diocese payments covering
investment, housing& mission 3,486 - 3,486 35,326
grant
3,486 . 3,486 35,326
Othertrading activities
7,190 - 7,190 3,786
7,190 - 7,190 3,786
Investments
Distribution -UTP& & Rathbones 5,835 - 5,835 2,470
CashWithdrawls 40,000 - 40,000 33,925
Epworth - 12,126 12,126 -
45,835 12,126 57,961 36,395
Other
ChoirFund 3,081 - 3,081 -
Talk forTots Fund 19 - 12 -
Charity Donations Fund 901 - 901 -
3,994 - 3,994 -
Totalincomeandendowments 72,373 12,126 84,499 82,976
Expenditure on:
Charitable activities
Diocese payments cavering
investment, housing& mission - - - 28,406
grant
Priest flat - 10,875 10,875 10,123
Counciltax - 1,250 1,250 1,154
Priest Salary,
pension &
wad
other
expenses 43,949 43,949 12,739
43,949 12,125 56,074 52,419
Governance costs
Independent examiner fee 1,895 - 1,895 1,895
PAGEIN

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St Oswald's Scottish Episcopal Church

Detailed Statement of Financial Activities

----- Start of picture text -----
||||||||| |---|---|---|---|---|---|---|---| |1,895|-|1,895|1,895| |Totalactivitiesiiiof expenditure|on|charitable|45,844|12,125|57,969|54,314| |Other|expenditure| |Repairs &|Maintenance|11,991|-|11,991|6,036| |Locum|&|Diocese|Quota|2,660|-|2,660|1,776| |Heat &|Light|5,763|~|5,763|3,456| |PPS,|Sundries & other charitable| |expenses|9,068|-|9,068|4,223| |29,482|-|29,482|15,491| |General|administrative|costs,| |including|depreciation|and| |amortisation| |Bank|charges|20|7|20|-| |20|-|20|-| |Legal and|professional|costs| |Accountancy and|bookkeeping|750|-|750|-| |750|-|750|:| |Total|of expenditure|of other|costs|30,252|-|30,252|15,491| |Total expenditure|76,096|12,125|88,221|69,805| |Net gains on|investments|(54,469)|-|(54,469)|-| |Net (expenditure)/income|(58,192)192|1|ee58,191|ted)|13,171aint| |otherNet|(exp(expenditure)/income gains/{losses)|before|(58,192)|1|(58,191)|13,171| |Other Gains|7,233|-|7,233|-| |Net movement|in funds|(50,959)|1|(50,958)|IS|171| |Reconciliation|of funds:| |Total funds|brought forward|191,840|302,386|494,226|481,055| |Total funds carried forward|140,881|302,387|443,268|494,226|

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Pace it