Digital AGM And Annual Reports Booklet

!"#$%&'#"(()*+,-%$).&%/&)0%1%$,-) Unaudited Management Accounts 31st October 2024 (Not forming part of the statutory audited Financial Statements)

INCOME & EXPENDITURE ACCOUNT INCOME Interest on Loans to members

BALANCE SHEET ASSETS Cash and Current Accounts

138,047

909,694

86,605

Investment Interest Income

47,808,594

Deposits and Investments

73

611,585

Commissions, fees and charges

Minimum Reserve Requirement

Other Income

36

20,064,151

Loans to Members

-882,100

Less: Prov. For Doubtful Debts

224,761

Tangible Fixed Assets

TOTAL INCOME

785,437

324,677

Accrued Income

EXPENDITURE

112,171

Prepayments & Other Current Assets

33,513

Salaries & Related expenses

208,401

Other Mgt Expenses & Depn

90

Regulatory Levies

TOTAL ASSETS

69,734,209

-7,36 2

Bad debt writeoff and Recoveries

LIABILITIES Member Shares

TOTAL EXPENDITURE

234,642

57065,624

Creditors and Other Liabilities

83,512

-9,881

YTD SURPLUS

RESERVES Regulatory Reserve Operational

7,419,363

Oper Risk Reserves

407,626 4,758,084

Other Reserves

T OTAL LIABILITIES & RESERVES

69,734,209

Explanatory Note Two Government Bonds with a combined Book Value of €2,489,939 have been revalued to their Market Value at 31st October 2024. The Market Value of the Government Bonds has been assessed at €2,302,778. The revaluation of these Bonds has resulted in a diminution on investments of €187,161 and is recorded in the Income and Expenditure Account. Subject to the investments being held to maturity they will mature at par value which is above current market value.

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