ST ANDREWS WELFARE TRUST Accounts For the Year to 315t December 2024 ottish Charity no: SC008660 Principal Aetount Aef.. 5PIiRV5Tr•9L9 WOI INDEX Trust Inforniation.......................................................................... Trustees, Report.-............................................ .213 Independent Examiners. Report..................................................... Statement of Financial Activitis... ............ ............. Balance Sheet.............................. Statement of Cash Flows................. ................................ Notes to the Accounts.............................................................819 Appendix l - Donations Received...................................... . .10 Appendix 2 - Trust Management Fees ............................................10 Appendix 3 - Investment Management Fees...................................10 Appendlx 4 - Investment Income....-. .11113 Appendix 6 - Asset Schedule.- ....... . .................-.........-.-........14116 ST ANDREWS WELFARE TRUST TRUST INFORMATION Trustee5 Solicitors Thorntons Law LLP Whitehall Hoijse 33 Yeaman Shore Duncee DDI 4BI Independeii Examiner I,I:k % Co EdeiDank F4ouse 22 Crossgate Cupar Fife KV15 5HW Bankers Royal Bank of Scotland 3 High Street t)undee DD19LY Investment Evelyn Partners Managers Atria TWD, Third Floor 148 Morrison Street Edinburgh EH3 8£< ST ANDREWS WELFARE TRUST CHARITY REFEREficE SC008660 TRUSTEES. REPORT FOR THE YEAR ENDED 31 DECEMBER 2024 ORIGINS The Trust was esiablished by Dec￿ of the Court of Sesson dated 15 July 1969. OBJECTIVES. ACTIVITIES AND PUNS FOR FUTURE PERIODS TrL,s". Incnme is to be. -'se.c lo p,-ftvidv. thv. foilovjing tD [P.r￿n.5 resident n or near St Amrews:. l. Financial assistance towards sickness and convalescence expenses. 2. Financial assisLan(e lo elderly persons rn srkcial c.rcumslances of need either indwioually or through Old P￿p￿S Wdfare Assoaations Including making payments Eowards the cost of donEstic or horne nursing assistance.. 3. Contributions towards the funds cf nursing, medical and casualty orgè.Iisat10ns carryiry on work Irl St Andrews ané c6ist,"Ict. an¢ 4. Financial assistance for young p￿sOn$ in spec al circurnstances of need The Trust provides such assistance by way or nunvous grants to individuals and appropriate local orga?IsatKlilS throughout the year. Tre p rustees remain satlsfied thai tne charty, Is making full use of its Income to furthef 1ts charitable purposes - Inde&. In 9)me years it hès exhausted its grant budget before the year erKI. Ouring the year to 31st December 2024 the Trustees. obiecErves ￿rTlaIned unchanged. Tw r&cognise that there may str"Il be an imp&t on their futbre plan5 from the effects of volatility in the Markets, hgwever there was a [￿yes[ increase in incoTre rhis year, recovering ro pre-pandemic ￿e15. LEGAL STATUS The le9al ststus of the Trust is a %ngle ScottTr"sh ￿aritable Tnjst,. no company or equivalent exists. TRusfEES The Tristees dtjnna the veal were.. ACCOUNTS The Accounts show the overall financial posibon of tne Trust at 31 December 2024 Including the net movement of funds during the year. Corresponding figures for t years ended 31 December 2023 and 2022 are also shown. TRUST ASSETSIFREE RESERVES As shown in the Balanre sh￿r, the tota,. assets of the Trust. net of liabiltts.es at the balance sheel date, were E242,939 (2023 - £194.626}. INCOME AND EXPENDITURE The Trust received donations amountifjg to £75.000 (2023 - £50,0001 during the year. Grants paid in the year to 31 tkcerntEr 2024 totslled £18,365 (2023 - £17,351). AII grants paid were awarded to families and IndiviOLO15. Unless there are special circumstanc￿. the Traximum amount awarded to a family or individual is É600. In.come for the year was £80,448 (2023 £54,9781 and general administratron costs were £18.371 (2023 _ EI 7,6051 including VAT. INVESTMENTS During the l'ear there has teen Subst￿￿"al volatilty in pw)rtfolio value due to volatility In the Markets. RESERVES POLICY T￿e reseNes represent the funds ar￿ing frorn rklst operations The trustees are satlgf ed tryese funds are yjfficient for the rontrnuation o, the Twst for the fores&able future. RISK MANAGEMENT The Trustees nave assessee. the ￿alOr risks to which the t.'ust .'s exp)sed, in particular t￿loSe relating to tne operations 3nd finaryces of the Tri.st. They rect)Jnise that the covith19 pandemic had brought new chal erw which cont"'nue to imw. the ￿rforrnance of the Trust assets, exa￿rbaEed by current global issues, in par*Jcular inflats'on. energy shortages, price increases and the war in UKraine. However they remain satisfied that the systems In place to mitygate the Trus:'s exposure to the major risks rerrain appropriate and sufficient. The T.-L'Stees :onsider that this reDOrt comb.ned with the Accounts and Appendices prowdes ail the necessary .nformation about tb.e Trust. This report vyas appr)ved by the Trustees on l 019 I LS and signed on their behalf by INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF THE ST ANDREWS WELFARE TRUST I report on the accounts of the charity for the year endeé 31 December 2024 which are sel out on pages 510 16. Respective Responsibilities of the Trustees and Examiner The charity's Iruslees are responsible for the prèparation of the accounts in accordance wilh the terms ol the Charilies and Trustee Investment (Scotlandl Act 2005 and the Charities Accounts (Scollandl Regulalions 2006 (as amended) The charity's Irustees consloer thal the au¢Yil requirement of Regulation 10111(a) io {cl of the Accounts Regulations does not apply. 11 is my r8sponsibilily lo examine and report on Ihe accounts under section 4411Kcl of the Act and lo slate whether parb'cular matters have come lo my attention. This report is made to the trustees. as a body. in accordan￿ with the terms of my engagement. My work has been undertaken so that I mighl slate lo the trustees those matters l arn reqLJired to slate lo them in an independent examin8r's report and for no other purpose To the fullest exlenl permitted by law, I do not accept (x assume responsibility to anyone other than the Trust arKI the trustees for my work or for this report. Basis of Indepermlent Examiner's Statemenl My examination is carried out in accordance with Regulalion 11 of the Charities Accounts Iscotlandl Regulations 2006 las amended). An examination includes a review of the acwunting records kept by the charity and a comparison of the accounts pre58nted with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking 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 I do nol express an audit opinion on the view given by the accounts. Independent Exarniner's Statemont In the Course of my examination no matter has wme lo my attention.. Which gives me reasonable cause lo believe that in any material respect the fequiremenls.. To keep accounting records in acccffdance with Section 44 {1Xa) of Ihe 2005 Acl and Regulation 4 of the 2(K)6 AccoLtnts Regulations, and To prepare accounts which accord with the accounting recofds and comply with Regulation 8 of Ihe 2006 Accounts Regulations have not been met, or 2. To whith, in my opinion. attention should be drawn in order to enable a proper underslanding of the accovnls lo be reached. 22 Crossgate CUPAR Fife KY15 5HW Partner Henderson Black & Co Charterod Accountants ILè 2025 STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2024 2024 2023 2022 INCOME AND ENDOWMENTS FROM: Investmeftt Enc¢>me Dividends & fixed Interest Interest on Cash & Depoyts App4 5,209.09 238.90 5,447.99 4.793.46 4,048. 14 1.92 4,050.06 4,978.63 Donations and LegacFes Appl 75,000.00 50,01)O.DO 80,447.99 £ 54,978.63 E 4,050.06 EXPENDITURE ON Charitsble activtties Agents. Fees Investment Management Fees Payments to 8eneficiaries Exam,'nation fee Charges App2 App3 15.IXIO.00 2,637.26 18,3tii.45 693.00 40.00 14,420.00 2,485.33 17,351.00 660.00 13.820.00 3,001.54 18.211.59 600.00 Total ExpenJlture £ 36,735.71 £ 34.956.33 E 35.633.13 Net Incomel(expenditure) and net movement in furmts before gains and 43,7L2.28 20,022.30 (31,583.07) Net gainsl(losses) on investments Gain/(loss) on investments sold App5 (318.54} 1,117.70 [9,952.56) Gainl(lo55) on revaluatron of investry App 5 4,919.37 4,740.49 (18,325.02) Net incomel (expenditure) and net movement in funds £ 48,313.11 £ 25.880.49 £ (59,860.65) Reconciliation of Funds Totsl funds broJght ft)fward £ 194,626.08 1 168,745.59 £ 228,606.24 Totsl funds carried forward £ 242,939.19 £ 194,6?6.08 £ 168,745.59 BALANCE SHEET as at 31st De￿rnber 2024 2024 2023 2022 Fixed Assets Investments Apps 171.349.C8 169,290.53 165,826.23 Current Assets Cash on Deposit 73,283.11 27,295.55 3,519.36 TOTAL ASSETS 244.632_19 £ 196,586.CI8 £ 169,345.59 Liabilities Creditors: amounts falling due within one year Balance due to Examiners Due for Chnstma5 Vokncher5 693.00 i.c￿0.(￿) 660.00 1.300.DO 600.00 Net Current Assets 71,590.11 25.335 55 2,919.36 TOTAL NET ASSErs 242.939.19 £ 194,62608 £ L68,745.59 The Funds of the Charity: Balance Brought Forward 194,626.(18 168,745.59 228,606.24 Net Mi ovemenr of Funds 48.313.11 25,880.49 f59,860.65) GENERAL PUND 242,939.19 £ 194.626.08 £ :58,745.i9 io.l.ofi.l.R.ozS Thase accounts were approved by the Trus￿ Qn..... . Statement of Cash Flows For the year ending 31 December 2024 2024 2023 2022 Net cash provided bYl(u5ed in) operatir artivitie5 37,997.29 16,403.67 (35,633.13) Cash flow5 frorn investing activities: Inte￿st & Dlvittends Proceeds from sale of investN*nts Purchase of Investments 5,447.99 31,404.32 (29,48; .81) 4,978.63 31,339.93 [30,829.01) 4,050 06 21,336.95 Net cash provided by (used in) investing activities 7.370.50 5,489.55 25,387.01 Change in cash & cash equivalents in 45,367.79 2L,893.22 (10,246.12} Cash & cash eqLHvalents brougnt fotward 29,360.57 7.467.35 17,713.47 Cash & cash equpialents ca.ried fornard £ 74,",2836 £ 29,360i7 £ 7,467 35 Recondliation of net movement in funds to net cash flow from operatlng activlties 2024 2023 2022 Net movefnent 'n fur.dg Dedutt gainsiadd back losses on investments Dedbct investmefjt and inlefest income (Decreaselllncrease In creditors 48,313.11 (4,61J].83) (5,447 991 (267.00) 25,880.49 '5,858.191 r4,978.631 1.360.IJ) (59,860.65) 28,277.58 {4,050.061 Net cash provided byl(used in) operatln activities 37,997 29 16,4Q3.67 35,633.13 Analysis of cash & cash equivalents Cash on Deposit Capital Cash Total cash and cash equivalents 73.283 11 27.295 55 1.445.25 2,065.02 74,728.36 £ 29.36057 E 3,519 36 3.947.99 7,467 35 The above are the only components of Net Dejt. ST ANDREWS WELFARE TRUST NOTES TO THE ACCOUNTS FOR THE YEAR ENDED JI DÉCÉMBER 2024 Atcounting Policies principal accounting policies, whKh A￿e been awlied congistentty in the current and precaYin9 year In de3lirKJ with irprns which ar8 considered m3teT1al ta the 3cfDUnts, are. set our helow Basis of Preparation The ￿cOLJnt% are prppared ijnder ttte histrric31 cost covvefttion, MOthf￿ for the revaluation of Investmenis. and In accordance wifh Accounring and Reporting ty Charities. Smement of Recotnr*nded PraCt￿e appI￿a￿te to ch3ribe5 preparing. t￿1r &covnt5 In accordance wrth the 3ncial Rewrting Standard apolicable In Ihe UK and Republic of E￿land IFRSL021 IEffettive I The accounts are also pre￿red in accordance the Charities and Trustee Investrnent IScoilaHdl Act 2005 and the Charties Ac=ounts (Scotlandl RegUlat￿nS 2006 las ap￿r￿￿ed1. The St Andrews Welfare Trust meets the defiNtK)n of a public benefit enDty under FRS 102. The Trusfs funct￿n01 currency Is pound5 Sterling, and round5ng Is to ttE rearesr penny. The Trust*s ¢¢nsider thai there are no material uncery.ainties that would lead rhern to questKYi Ihe Trust's ab*lity to continue as a going COn￿rn. )￿dgements and key source5 of estimation uncertaiftty In the application of the cbarity's a￿ountIng pc4cies the Trustees are ￿qu.1[ed to make judgement5. estimates and a5SIArnPtioffj at￿ut t￿e carrying amount of assets liab51itie5 that are not readily apparent from other source5. 1.he e5bmates associated a55umpty0fi5 are b45ed on 41storKal experience and otker lattors that a￿ coTrsidered to be reFevant. Actual results may dffer from these e5tiryates. The esttfflat￿ and underlying assumpt￿￿5 are rev1ewed on an ongoin9 basis. Revisions to accountiqg estimat￿ are recognised In the penod li wh￿h :tye estimate Is revised where the ￿ViS affecrs only that pericLI, or In the ptriod of revision and future penoas where rhe revision afferts both cur.ent and fthure periods. Major Fund5 The Trust trlas only one general Fund. Novernent on the fund ,5 shown in the sta¢2rnent of Financial Acrivifie5. Income All Income is recogn15ed once the charity has eTrtrtlement D rhe income, It is probable Ihat the Income will be ieceived and the amount 01 1nc(yne receivab￿ can ￿ measured reliably. Divdend and otb.er Investn￿nI income Is recconisea once ir ha5 been dedared and notification h85 been reCe￿ed. Interest on funds hekl on oeposit is incladed when recei¥ab*. Donatyons are Included witbin Incoffle undor ether uprestriLt* or re5trttted funds according to the t&rms Jnder which the donation is made arKI when rhe arnO￿nt can be quantified with reasornat￿e certainty Expenditure All expwidrture Is iiicluiW or., dn JLCTua15 t￿$15 and is fEKugni5ed wlTren thei¥ is a ￿g￿l and constructive obliga;K)n to pay for expenditwe. Irrero¥erable VAT is Incl￿ in the related expenditure. Charitabk ￿tl￿tIeS I￿lUde all expenditure as￿ated with grart maknng. Investments The Investment rKJrtfolio L% itKluded In the bala￿e sheet at matl(et value. Ga1ns aryl losses on distx)sal and revd_ation L* Investment5 are charged or CredJt￿ to the Statement of Fina￿tal ArtiVit￿s. The hiStOr￿al cost of Investment rxjrfolio at 31 o￿lber ￿24 is £148,752 (2023 - £148.895). Gainsl(105sesl on inv￿nts sokj duriThJ the year N%Ere". 2024 2023 £ 1,118 £ 2.535 £ 5.203 On a market value basis On a hi5tLYical cost basis Materlal Commrtments There were no material c{￿mItMents at 31 2024 other than those alreaty provided for in the ￿Count5{2023- rKMel. Guarantees and Contingent Liabilities There were no guarantees or contirlgert liabilrties at 31 D￿em￿eT 202412023 - none). Secured Loans There were no loars or other Iiabilityes sKured on the Trusts assets at 31 December 2024 {2023 - none>. Employees The TTUSt had no erY1￿0veeS at any tNne during the year {2023 - none). Remuneration of Tn￿tee$ No remunerab.on c￿ ￿MbUr$eMent of exrErhses was paKJ in res1￿ ￿ sefv￿s of Trustees12023 - none). The tru5tee5 rnade rK) (knat￿)n5 to the chanty during the year (2023- rx)ne). APPENDIX I DONATIONS 2810812024 Donation received 75,000.00 £ 75 000.00 Comparative figure 2023 £ 50,000.00 APPENDIX 2 AGENTS, FEES 2210112024 Thorntons Trust Management Fee Oec, Jan, Feb 2010212024 Thomtons Trust Management Fee Mar, Apr, May 1510512024 Thorntons Trust Management Fee June, July, Aug 2110812024 Thorntons Trust Management Fee kpt, (￿t, Nov 3,750.00 3,750.00 3,750.00 3,750.00 £ 15,000.00 Comparative figure 2023 14,420.00 APPENDIX 3 TRUST MANAGEMENT FEES 1510112024 Investment Management Fee 1510112024 LEI Fee 1510212024 Investment Management Fee 1510312024 Investment MarTragement Fee 1510412024 Investment Management Fee 1510512024 Investment Managefflent Fee 1710612024 InV￿rnent Management Fee 1710712024 Investment Management Fee 1510812024 Investment Man￿ernent Fee 1610912024 Investment Management Fee 1511012024 Investment Managerrtent Fee 1511112024 Investment Management Fee 1611212024 Investment Management Fee 207.76 72.00 208.02 209.63 211.94 210.80 215.45 214.39 215.88 217.65 217.91 218.42 217.41 2,637.26 Comparattve figure 2023 2 485.33 10 APPENDIX 4 INVESTMENT INCOME 01.01.24 TO 31.12.24 Date Holding Quantity Net Income 3110112024 Artemis Corporate Bond Fund 3010412024 Artemi5 Corporate Bond Fund 3110712024 Artemis cor￿rate Bond Fund 3111012024 Artemis CortK)rate Bond Fund 2810212024 Artemis UK Selert FJI nd 1610812024 Atlantic House Defined Return FurKJ 1311112024 Atlanbc HoL*se Defined Return Fund 0110712024 Baillie Gifford c￿erseaS Gwth Fds ICVC Japan 3110112024 Blackrock Fund Managers Ltd Continental EU Inc 3010412024 Blackrixk Fund mar￿gerS Ltd Continental EU Inc 3110712024 BlackrcÉk Fund Managers Ltd Contsnental EU Inc 3111012024 Blackrock Fund Manager5 Ltd Continental EU Inc 3110112024 Blackrock UK Income Fund 3010412024 Blackiock UK Income Fund 3110712024 Blackrock UK Income Fund 3111012024 Blackr(Kk UK Income Fund 1010712024 Dodge & Cox Worldwide 0911012024 Dodge & Cox Worldwide 1810112024 Fidelity Investment Funds ICVC - Global Dividend Fd 1810412024 Fidelity Investment Funds ICVC - Global t)ividend Fd 1810712024 Fidelity Investment Fund5 ECVC Glojal Dividend Fd 1811012024 Fidelity Investment Funds ICVC - Global Dividend Fd 0210412024 First State Asia Pacific Fund Leaders B 3010912024 First State Asia Paafic Fund Leaders B 2810212024 Fundsmith LLP Equity J Inc 3010812024 Fundsmith LLP Equity i inc 2910212024 Greencoat UK Wind plc 3110512024 Greencoat UK Wind plc 3010812024 Greencoat UK Wind PIC 2911112024 Greencoat UK Wind plc 3110112024 Guinness Global Equity Income Fund 3110712024 Guinness Global Equity Income Fund 0510312024 Henderson Smaller Companies Investment Trust 0711012024 Henderson Smaller Companies Investment Trust 2910212024 Hender9)n UK & Europe FJnds - Strategic Bond Fd 3110512024 Henderson UK & Europe Funds- Strategic Bond Fd 2810312024 HICL Infrastructure Ca Ltd 2810312024 HICL Infrastructure Co Ltd 2810612024 HICL Infrastructure Co Ltd 3010912024 H ICL Infrastructure Co Ltd 3010912024 HICL Infrastructure Co Ltd 3111212024 HICL Infrastructure Co Ltd 3111212024 HICL EnfraStruCtu￿ Co Ltd 4,477 4,477 4.477 4,477 903 4,297 4,297 237 3,423 3,423 3,423 3,423 7,862 7,862 6,387 6,387 163 163 3,639 3,639 3,639 3,639 1,115 1,115 1,960 1,435 6,435 6,435 3.910 3,910 321 321 55.88 56.38 56.90 57.44 92,14 52.40 52.41 44.61 24.22 8.17 166.34 24.23 64.30 141.45 52.53 52.61 12.11 11.79 52.76 85.98 52.76 54.22 3.79 22.72 30.59 12.64 220.72 160.88 97.75 97.75 72.26 114.59 43.50 113.10 53.26 49.33 22.26 32.03 54.54 7.06 47.22 41.80 12.48 580 5,038 5,038 2,635 2,635 2,635 2,635 2,635 2.635 2,635 Date Holding Quantity Net Income 2510312024 Invesco ￿SE RAFI US UCITS 2010612024 Invesco ￿SE RAFI us ucrrs 1910912024 Invesco ￿SE RAFI us ucrrs 1911212024 Invesco FfsE RAFI US UCITS 0210112024 Invesco Perpetual Corporate &)nd Fund 0110712024 Invesco Perpetual Corporate Bond Fund 3 11 1212024 Invesco Perpetual Corporate Bond Fund 0310712024 JP Margan Glob31 Growth & Income 07/L012024 JP Morgan Globol Growth & Income 2910212024 Jupiter Asian Income 3110512024 Jupiter Asian Income 3010812024 Jupiter Asian Income 2911112024 jupiter Asian Income 3110112024 LF Lindsell Train UK Equity Inc Nav 3010912024 LF Lindsell Train UK Equity Inc Nav 3110112024 Ninety One Fund Series 2910212024 NirEty One Fund Series 2810312024 Ninety One Fund Series 3010412024 Ninety One Funé Series 3110512024 Ninety One Fund Series 2810612024 Ninety One Fund Series 3110712024 Ninety One Fund Series 3010812024 Ninety One Fund Serie5 0111012024 Ninety One Funé Series 3111012024 Ninety One Fund Series 2911112024 Ninety One Fund Series 3111212024 Ninety One Fund Series 2310212024 Octopus Renewables 3110512024 Octopus Renewabl 3010812024 Octopus Renevvables 3010812024 Octopus Renewables 2911112024 Octopus Re￿wableS 2210312024 Ruffer Investment Company 0910412024 SPDR S&P US Div Aristocrats 0210712024 SPDR S&P US Div Aristocrats 3010912024 SPDR S&P US Div Aristocrats 3111212024 SPDR S&P US Div Aristocrats 3110112024 TB Evenlode Global Income 3010412024 TB Evenlode Globa5 Income 3110712024 TB Evenlode Global Incofne 3111012024 TB Evenlode Global Income 3110112024 TB Evenlode Income Fd - Continuing Fd 3010412024 TB Evenlode Income Fd - Cimtinuing Fd 3110712024 TB Evenlode Income Fd - Clmtinuing Fd 3111012024 TB Evenlode Income Fd - c￿tinuing Fd 210 210 210 210 2,945 2,945 2,774 1,005 1,005 4,683 4,683 4,683 4,683 2,026 2,026 3,803 3,803 3,803 3,803 3,803 3.803 3,803 3,803 3.803 3.803 3,803 3,803 3,695 3,695 3,695 3,695 3,695 1,565 iio iio iio iio 6,275 6,275 6,275 6,275 2,493 2,493 2,493 2,493 19.04 19.69 20.30 22.98 117.18 111.53 99.40 46.33 57.29 52.53 82.24 66.58 ioi.io 39.70 40.45 13.28 11.64 15.35 13.40 13.90 16.75 15.53 12.38 16.65 12.38 13.15 12.56 53.58 55.43 24.77 31.02 55.43 31.30 29.44 37.14 30.27 30.92 48.53 59.15 52.48 52.48 42.22 59.81 43.81 43.81 12 Date Holding Quantity Net Income 2610112024 Templeton Emerging Markets Inv Trust PIC 2610712024 Templeton Emerging Markets Inv Trust Pbc 0710212024 Threadneedle Investment Funds ICVC 0710512024 Threèdneedle Investment Funds ICVC 1110112024 TR Property investment Trust 0110812024 TR Property Investment Trust 0210412024 Trojan Investment Funds - Trojan Inc 3110712024 UK Gllt .6250/0 3110712035 3110712024 UK Gilt .8750/¢ 3110712033 1610112024 Vai¥Juard Inv Series PLC US Gov't Bond Fd 1110412024 Vanguard Inv Series PLC US Gov't Bond Fd 1210712024 Vanguard Inv Series PLC US Gov't Bond Fd 1511012024 Vanguard Inv Senes PLC US Gov't Pond Fd 2,870 2,870 2,037 2,037 1,840 1,315 3,720 4,995 7,375 32 31 31 31 57.40 86.10 38.20 41.42 103.96 132.16 56.73 15.61 32.27 22.06 28.50 29.48 29.32 3110112024 Interest to 3110,124 2910212024 Interest to 29102124 2810312024 Interest to 31103124 3010412024 Interest to 30104/24 3110512024 Interest to 31f05124 2810612024 Interest to 3010612d 3110712024 Enterest to 31107124 3010812024 Interest to 31108124 3010912024 Interest to 30109124 3111012024 Interest to 31110124 2911 112024 Interest to 30111124 3111212024 Interest to 30112124 7.88 8.48 8.01 6.02 8.30 12.26 14.17 12.49 9.68 7.63 7.68 6.26 USD Interest 0.22 £ 5,209.09 Comparative fNJure 2023 £ 4,793.46 13