The Bridge Central (formerly The Young Women's Christian AsSOClOtion Centrol Club) IA compony limiled by guoionlee wiihoul o shore copiloll Choiity Regi51rolion Nutnber.. 1071315 Regislered Company Number.. 03600940 Il Report and Financial Statements for the year ended 31 December 2022 The Bridge Central Iloimeily The Young Women s Chri51ian Association Cenlial Clubl contents Reference ond adrnirii5trolive inloitnalion Tiuslees, Report 2-33 Independent Avdilor5' Repoit 34-38 Siulernenl ol Financiol Aclivilie5 39 Bolonce Sheel 40 C05hllow Siolemenl 41 Notes lo the Finonciol Siolemenls 42.49 The Bridge Central Iloirneily The Young Wofflen 5 Cniistian Association Cenlial Clubl reference and administrative information Board of Truslees S Holugori Ichoirl K Sonders Icompony Secieloryl M Cornefon (Honorory Tieosuier F Deinde C Bingham C Sykes J Grist N Lornbert K Spooner K•y Mana9•m•nt Personn•l Chief Execulwe J Giimshow Deputy CEO S Hicks |resi9ned Nov 20221 Heod ol Operolion5." Colelle Hoiiis leHeclive Jon 20231 Heod ol Progrornmes.. Katrino Rawson-mockenzie |eHeclive Jon 20231 Heod ol Morkeh'ng.. Wendy Bowen Heod ol Finance.. K Chity loppoinled Ocl 20221 Company Secrelory K Sonders Governing Docum•nts Memorondvm ond Articles ol Associolion R•gist¢red/Prin¢ipol Office 73 - 81 Souihwurk Bridge Rood London SEI ONQ Avdilors Moore Kin9slon Smith LLP Choileied Accounlonls Devonshiie House. 60 Goswell Rood London EC I M 7AD Solicitors Sione King Sewell LLP 13 Queen Square Boih BAI 2HJ Bank•rs Clydesdale Bank plc 154-158 Kerisinglon High Siieel London W8 7RL Inveslment Advisers Cozenove Copilol Mono9emenl London Woll Ploce London EC2Y SAU the context of our work We iemoin responsive lo new chollenges ond reseorch. ensuring Ihol Ihe slrolegy ièmoins lil lor purpose. To deleimine whefe we should diiecl our work ond moke besl use ol resources, we engoge with project porticiponls lo co-produce ploced-bo5ed 501ulions to Issues high on the ogendo ol Ih05e we work wilh. "2.3 million years of life could be saved ond 67,000 fewer deoths experienced in the working oge group loge 30 10 591 il Ihe mortolity roles from other cla55e5 were the 5am? as ihalof ihè'high•r monogèriol and profèssiontsl, Class" Moirnol M. Foir heolthy live5. The Mafmol review.. SiiotegK iewew of heolth inequolilie5 in Englond posl-2010. Southwark: deprivation and health inequalities We recognise the negative impocl thal Ihe sociol delerminonls ol heolih have on protective loclor5 such os heolthy lilestyles and en9a9emenl in sociol relolionships. To deepen our underslonding ol how Ihe inlerconnecled roles ol depiivolion, food insecuiity. gender inequolity ond other forms ol disciiminolion adverse￿ irnpocl health ond wellbeing oulcomes, we work closely wilh women piojecl porticiponls. 38Yo of our residents live in the most deprivtd commvnilies nalionclly residents of a deprived area will, on average experience multipl• healih problems l 0-15 years eorli*r thon thos* living in afflu•nt or•o$ people in poor so¢iol ¢10sse5 hove 0 60 /. higher prevalence of long-term conditions ihoi ihose in wealthier area5, and 30°/o more Severity of disease As o resvII, our curienl slrolegy Iocv5e5 on ieducing inequulilie5 in wornen 5 heolih ond wellbeing, in porticular the prevention ol ill.healih, pool wellbeing, food insecurity ond sociol isolotion. oll ol which ore mojoi issues in Souihwork. Our experience hos informed the holislic opprooch odopled in oll piojed5 ond the 5ttQllg efflphosis ploced on increasing physical oclivity levels, sociol connection, access lo healthy Food, improving menlal wellbeing ond engoging in discussions about women s heolih I￿ueS. women living in the mosl deprived areos in Southwark live on avero9e 5.5 years less than their leasl dyw•d n•*hbou ark Report loi the Heal Communilies Scruliny Commi55K)n. Decetnber 20 h•tslthy lif• •xpédancy... is low•r compor lo thè nationol ond London ov•ro9•s. with rèsid•nts spènding mor• thon o quortèr of their lives in poor heolth oik Public Heolih webyle. acce55ed M(ry 2023 Southwark: food insecurity and heolth inequolities The inobility lo oFFord odequale nulrilion perpetuoles heolih inequolilies. Accofding lo Ihe SU￿eY ol Londoners120221, olmosl one in six ol Souihwork iesidènts ore lood in5ecuie. one in Ihree cancer deaihs cnd one in Iwo heart disease death5 are coused by poor diel. Experiencing food insecufity is likely lo result in inequalities in heolth Including, diel- related heolth problems resulting Irom poor nuliilion os well 05 experiences ol low menlol wellbeing. food insecurity is ohen associoled with overw•i9hi and obesity. Explonolions in¢lvde ihe higher ¢ost of nulrit10115 food5. the slr¢5s of living with food in5e¢urity. ond phy5iologicol odoptations lo Food reslricknon. Poor heolih ond we116eing olso incieose the likelihood ol lood insecurity. People with menlol health conditions, long-lerm heolih problerns and disabililies rnay have reduced obility lo work, offecling household income and pulling Ihem ond Iheir families al gieolei risk. A nolionol survey Iquoled in Souihwoik's JSNA 2021 I showed Ihol Ihose who weie limiled signiliconily by heolih conditions or di50bililies weie live limes rnore likely lo be food insecure Ihon Ihose wilh neither. a severely food insecure person is h've limes more likely to experience anxiety disorders and major depressive episodes Ihan som•on• who hos o¢c•ss to ¢d¢ v¢1• food. ou wur oin 10 gr Needs A￿SSmen & Heolth Impro Sovihwoik Pvbli¢ Heolth DlwgonJv￿ ? Iiefieshed septemb￿ 20 Southwark: mental health and wellbeing health inequalities almost one in five odulis in Sovthwark are experiencing a common mental disorder ICMDI, equating to approximolely 47,000 individuols. SoLdhwoik Council Website, occessed O Apiil 2023 oll type5 of CMD are more prevalent in women than men- l in 5 women, compared lol in8men. women are more likely kn have severe symptoms of CMD. Applying resvlts from the latest APMS survey lo the Southwork popvlahon svggesi ihai 26, 300 women in Ihe borou9h would hove experienced CMD in the previous week, compared lo 16,400 men. CMDS resvlt in pressvres on local health and social care services. Heolih Ineouolihes in Souiknork Rewl lty the Heolihy Communities Suuhny C¢ynmission, DecembeT 2018 menlal heolth and wellbeing Menlol health is o key concern in Souihwork, porticularly lor women, and especiolly within ihe conlexl ol comorbidilies ond multiple disodvonloge. Menlol heolih ond o sense ol wellbeing are cenlrol lo living o purposeful, heolihy, ond enjoyoble life. physi¢¢l inodivity Physical inactivity conlribules lo health inequolilies os il increo5e5 Ihe risk ol developing life limiling illness, such os diobeles, heorl di5e05e, cancer. and depiession. It is o signih.conl chullenge in Souihwork ond o greoler risk io certoin group5, including women ond girls, block ond ethnic minority communities ond disabled people as well 05 those olieady expeiiencing low levels ol wellbeing. Southwork: physical TnodivTty and health inequalities about 20Yo of Southwark residents do nol meel the recommended minimum levels of physical aclivity eslimoled thol 308 pr¢m¢lur• d¢¢ths ore r¢cord¢d in Sovihwork •v•ry y•ar 0$ o r•sult of ino¢tivity Achve knjthwork Sport ond Physicol Activity 5ITolegy 2019102023 wom•n ond giA$ ... le$$ lik•ly lo lok• port in phy$icol oclivity ond sport compor•d to males. Jusl over 40.2•/0 ol males compared to only 28.8% of female porticipole in sport for ot le05130 minutes per week. physical adivity can contribule to a person's menlol wellbeing we also know mental ill healih can ad as a borrier lo bein9 physicolly active. residènts from block and minority •thnic bockgrounds c¢n b• vp to 13V. l•$$ lik•ly lo meet the phy5icoI adivity guidelines. SouthworklSNA Achve Tiovel 2017 social isolalion Social i501alion is more pievolenl omong social￿ disodvonloged gioups. Certoin grtsups ole mtsie al risk ol being isolated, includin9 people with pool tnental health. Ih05e with illnes5 later ITr life, d15obled people, Individuols with long-terrn conditions ond people itnpocled by 50cio-econotnic deprivation, poor housing, and Food insecurity. our response to these ihemes We respond lo Ihese chollenges by.. running o comprehensive piogromme ol coreknlly designed. lorgeled heolih ond wellbèing projects which ore Iie&lo-occess. described in oui key objectives below", offering women Ihe opportunity lo Improve ond enhonce their lives by providing.. o olloidoble heolih ond lilness locililies-. o o voiied piogiomme ol heolih ond wellbeing closses.. o o ronge ol Iiee wellbeing evenls. running Open Weeks ihree limes a yeor. Members ol the public con toke port in o voriety ol Iiee or low-cosl oclivilies Ihol support menlol and physical wellbeing, including oil classes, creolive writing ond ieloxolion. Women can also use the gym and ollend lilness classes free ol choige during the Open Weeks. pultring a strong emphosis on buildiw community in our projects and providing multiple opporlunilies lo brin9 people tO9eiher os social isololion is a comrnon Iherne in Ihe populations we woik with. gelling reody for Open Week objectives and activities In addilion lo luriheronce ol the choriloble purposes ond public benelil, Ihe 3- eor Slrole informed by local need, nolionol ond locol governmenl sliolegies ond current ocodemic Ihinking in heolih ond wellbeing. To ensure the Choiity's oims. objeclives ond oclivities iemoin locused on ils sloled purposes, the Booid onnuolly reviews ils slrolegy. It looks ol Ihe ochievemenls ond oulcornes ol ils work in the previous yeoi ond consideis Ihe success ol eoch key octivity and the benefits each has broughi lo the people ihe Charity 15 Set up 10 5UPPOrt_ was Mosl projecls ore inlergenerolionol os our experience shows thot this works- people ol different oge groups leorn from eoch oiher. shore skills ond advice and bonds ore formed. In oll projects we aim lo recruil o wide range ol porhcipanls os we believe thoi Ihe diversity ol the groups in terms ol eihnicity, age, religion, and bockground odds o reol richness lo Ihe work ond brings o reol sense 'community cohesion. We sel diversity loigels ond monilor Ouf inlake. In eoch project, described below, chorls show the diveisity ol piojecl poiliciponls. All projec15 are based on ihe New Economic5 Foundoth"on s INEFI 5 Way5 to Wellbeing Istay oclive, connecl. keep learniTI9, 9ive, toke noticel 05 loking port in these octivitie5 hos been shown lo improve mental wellbeing. key objectives for 2022 l. design and run a new project for older women (the LIFE projecil 2. design and run o new project for yovng women whose menlol wellbeing ho$ been impacl•d by th• pand•mic (th• ELEVATE projédl 3. to continue to support and develop the RISE projed 4. to develop an 'oul of hours, levening or weekend) projecl co-prodvced wilh people with lived experience of low l•vels mental wellbeing Iwoiking nome. Ihe EDGE 5. b provid• s•rvic•s for p•opl• •xp•ri•ncin9 finoncial hardship and food ins•curity 6. to provide opportvnili•s for p•ople lo sl¢y ¢onn•ded po$1 proj•ds ond begin lo build a 'community hub, 7. pilol the BODY project 8. develop a new EDI policy and related adion plan 9. to lake forward stops lo r•dvc• th• impod of the Charity's activiti•s on th• environmenl. achievements and performance objective I . d¢sign ond run o new proj*d for old¥r women lthe LIFE pr¢j¢cil The LIFE projecl wos developed using leedbock ond leorning fvoTn ihe ZEST project, lun in 2021. We plon to lun Ihe revised project in 2023 ond rnony people hove olieody iegislered their Inleie51. li is a 12-week projecl which lokes o psycho-sociol opprooch lo ogeing lo support women living through peii-menopouse. menopouse ond posl-menopouse. li piovides o spoce loi sociol support, leoining and rhe explorolion ol physicol. sociol, ond creolive oclivilies Ihol locus on heolih and wellbeing, sholler o9e and gendei sleieotype5 and encourage positive ageing. By tackling the cultural belie15 ond expeclolions around tnenopou5e. a9eing and Ihe role ol wotnen in society. the project octs Q5 Q 5poce lo encourage lile5We tnodilicolions ond di5rn0ntle culiurol noriolives oround women and ogeing Ihol ieseorch has shown negolively impod women s healih and wellbeing. The project is cenlred on Ihe premise Ihol eoch woman s experience ol Ihe perimenopouse and/or menopouse is unique. Reseorch (see box below) shows women from eihnic minorities olien have dillerenl experiences from Iheii While peels. ond Ihese ole nol being considered in conveisolions about Ihe menopause. The piojecl Dffeis a Space loi these women lo coffle 10geihei and learn Irotn each oihei and heolih proles5ionols. The project olso torgels women wilh long term heolih condition5 and women wiih experience5 01 living wilh low mental wellbeing, 05 ieseorch shows Ihal these lactors may inHuence the way symptoms ore experienced durin9 Ihe menopousol Iron%tion. menopause in the UK olon•, th•r• ar• approximot•ly 13 million women going through ih• m•nopous• or perimenopause For 20-40% of women the symploms ore debilitolin9, uff•ct their doily and la￿for wp to l O>•a Sciences. Ih•r• 1$ no univ•rsal •xp•ri•nc• of m•n¢)pous• du• to 5ymplom$ boing impoehd by a combination of factors, such 05 50tioeeonomie $tatu$, •dveotion l•vel, 50tial and eultural attitud•s to ffl•nopou5•. pre-existing exposure lo $tr85sors, which ad wiih biological lactrors, such a5 horfflonal chang•5 and lifestyl• b•h¢JYiours. systemie discriminotion, rocism on sexism, Inc ond o9•ing con impact wom¢n'saxwi•AC• af In9 e socio vo ves aroun rèpr ucfvon while women muke up 51 % ofthe populahon. hislori¢ally the heolth und core system hus been desi9ned by men, for men. This is evident in reseorch ond ¢linicol triols, educohon ond troining for health prolessionfjls ond the design of heolthcore policies ond services. Therefore, there is gops in our dolo which meons thot not enov9h is known ond not enough focus is ploeed on women's heulth or women-specific issve$, such 0$ the menopovse, overoll alFeding women's heolth oulcomes. Ihere 1$ o lock of reeognilion ol $ymplom$ from both women ond heolthtore profe$sionol$, leading menopavse to be confused and treaied as other condilion5, such 05 depression. Only 9°/0 of respondent5 said they have enough informalion aboui the menopause, ond only 64 /. felt ¢omfort¢Jble t¢Jlking to healthcare profe55ionols aboui ihe menopause. ole9y lor Englond. 2022 In 2022 the projed consisled of: movernent/physicol octivities o shorl weekly breoihing ond slielching session lo esloblish o routine thol could eosily bè done ol home," a voriety ol moverrenl workshops to give people o tasle ol diverse physicol oclivilies. All physicol oclivilies delivered respond lo ewdence showing Ihol cerloin types ol exercise con moke o big difference lo menopouse symptoms ond help reduce heolih risks posl-menopouse. There wos o slrong emphasis on oclivilies Ihol con counlerocl some ol the effects ol Tnenopou5e, Including cordiovo5cvlor exercises such os doncin9, bo￿ng ond HIIT loi energy ond heart heolih, strength Iroining lor bone heolih ond oiher oclimlies like strelching, yoga ond loi-chi lor bolonce and mobility and lo provide support for hoi Hushes, insomnia, onxiety. and low mood. Thfoughoul Ihe piojecl women were given Iree occess lo Ihe gym and h'iness classes ond lor a further 3.monihs posl project. h•olih and wellb•in9 knowledg• •xchong•S These included inlorrnolion sessions wilh heolih prolessionols on lopics Ihol were identified os imporlonl by women in Ihe group, e.g., mwh bu51ing, bone health. nulrilion, sleep, bfoin heolih, mindlulne35/reloxalion, pelvic health, bieoihing ond the irnporlonce ol physicol oclivity. These lolks were olso a space lor women lo cornrnunicole their lived experiences. give support lo oihers ond shore inlormolion ond odvice. cr•ativ& adivili•s Mony ol the creative oclivilies such 05 drowing. ond flower orronging were chosen by project porliciponls. Oiher5 were designed ond led by arl Iheropisls exploring p5ycho-sociol topics relevant lo Ihe group |e.g., creolive writing lo lolk about life Ironglionsl. projed parhciponts in a creative flower orrangement workshop menlol and eTnotionol wellbeing support Four group Iheiopy sessions were delivered by o quolilied Iheropisl, exploring experiences of anxiety ond low mood, elc. These oimed lo provide oddilionol menlol health ond wellbeing support, a space lo develop 'emolionol loolkils ond lor locililoling peer-SUPPOfl. social connedion Sessions had a 51rong 50cioI conneckn.on cornponenl ond alway5 ended with dedicaled IiTne to Sit and enjoy food togeiheT. Thi5 efflphosis stem5 iesearch ideTilifyin9 interoctions with community, nurturing relolionships und heolihy ernolionol 5UPPOrt Irorn Friends as essentiol loi generol heolth ond wellbeing ond os on eKeclive meons lo live through the diHiculkn"es thul peri-menopouse ond menopouse bring. participant ethnic backgrounds 20 women compleled thè projècl. Al Ittsst 60 % Of women who purticipuled were from eihnic minority communities. A representation of their back9rounds can be found in the groph opposite. Whi￿ brihsh whik• ifiih 20% caribb•on io% block ot block biltlsh Whi￿ and block coribb•on other mixed bgckgrovnd pr•l•r nol to soy 20% long term health conditions which have a substantial or long term impact on the ability to corry out day to day activities 70Y• of wom•n r•port•d living wilh o long-lerm heulih condilion5 or learning difference5 which have a subslonhol or long term impact on their ability lo carry ovl doy lo day achvihes. 30% y•5 r+0 71)% wellbeing I hovo p*rs0rto1 OX￿￿*￿¢0 01 li￿￿9 wiih low mentol wellbein9 600/0 of participants had personal experience of living with low mentol w¢llbtring. 20% l arn a family member oi Friend ol somebody who hos •xptrienone counsellin9 wos mode ovailoble loi Ihose most in need. This wos crilicol boih during lockdown ond lo support people coming oul ol lockdown, when tnony ol the service u5er5 were experiencing onxiely, increosed depression. ond sociol isololion. Thiovghout the yeor 51 one-lo-one appoinltnenls weie delivered lo Fourteen difFeTenl people. peer support group IWhatsAppl Ihe peer support group. vio WhatApp, slorted in 2020 os a new service in response lo COVID-19.11 is focililoled by sloFF wilh some support from a Iherapisl and a volunleei. li keeps the group connecled 24/7 ond hos enobled some people who ore unoble lo engoge vio video link or in pe150n lo iemoin connected. This Service continue5 Post pandemic and form5 0 5ucce5sKI peei support group. art therapy exhibilion the group ciealed an exhibition tilled 'ihi5 is U5 which went live in the cale ond online in December 2022. The group rnembers reHecled on the work they hod creoled Ihroughoul the yeor and selecled the orlwoiks which they wanted to include ond wrote sotne occomponying words. Three ol ihe Forty pieces wbmitted ore shown below. "When I come to the rise project I feel powerFul in self-expression. I feel free, proteded ond I feel like o flower blossoming on a warm spring day." "Like Monet hod a beauliful garden to grow flowers and to express his thoughts, me, as well I found o place like him but it is colled RISE. "Self-love, self-growih, and healing is my cvrrent mind sel and I have storted to express thi5 through my art. I tried io express the energy flow that happened around a person who is toking lime and space to grow and express ihemselves." ethnic background whits british The chort OPPOsile show5 the ethnic breakdown ol the group, as expressed by the parlicipanls. caribbeaTh 23% olioh or osloh brfiish 23% 15% other whit• background other •thnic background 15% 8% pr•f•r nol lo say health conditions The chart5 opposite show the health Imenlol and physicoll conditions ol RISE porliciponls in 2022. Mony indwiduols have multiple heolih conditions, some ol which iTnpocl on ollendonce. •nxi•ty orthrili$ bipolar disord•r d•pr•s$ion joint pain oIop•Eits proc•sslng 5mpoirmenl chronic pain bo¢k poin a$ihma loligu• slrok• libromyal910 •ryihrornelolgia The quote5 below dernonslrole Ihe irnpocl on Ihe lives ol some ol Ihe individual porliciponls. The project supports women who con be on lon9 woiting lists loi local stolutory support. "il's good that people can show these feelings as we all then reolise thal yes ovr circvmslonce ore different bvl we all con feel loss, hurt, happine55 ond ore oll not ihot difFerent lo euch other thot uniles u5 in hoving o 5ofe spoce lo be ond express ourselves." °It mak•s m• f••1 h•ord. Wg5 very low ond losl. l Feel now il will oll be ok, ond I don'l need lo be worried aboul change." objectives 4, 5 and 6 objective 4: 10 develop an 'out of hovrs. (evening or weekend) projed co-produced with people with lived experience of low levels mental wellbeing Iworking name: the EDGE collectivel objective 5.. to provid* s¢rvic¢s for p¢opl* oxp*ri*ncin9 finan¢itsl hordship and food poverty (the DINE projecl, Comtnunity Fiidge", Iiee gym rnernber5hip5101 individvols relerred os in need ol physicol oclivity lo support menlol wellbeing) objective 6.. to provide opportunities for people to sloy connected post projects and begin to build o 'community hub, Iihe HUB pioiecl. poiliculorly thè 'DROP-IN' moining discussions thè HUB proj•d The objective5 above ore being delivered undei one rnojoi project - the HUB project. The piojecl, which 13 slill developing, con5151s ol severol mini-projecls. All octivilie5 are free. The FRIDGE piojecl, the DROP.IN mornings ond ocliwh'es like the creolive writing circle and o wolking group be9on in 2022 bul, os plonned, Ihe projecl hos been exponded, ond will be reported on lully in the nexl Annvol Repoil. Below is o summory ol Ihe piojecls elemenls ond oims= Tlif,. overoll oims ore.. reducing sociol is01olion., community cohesion. supporting people on woiling lisls lor Charity projed5 or oiher Iheropeulic svpporl., suppoil lor fuel poveity/reducin9 impocl ol poverty - open as a 'worm/cool hub,. reducing Food insecurity/reducing irnpocl ol poverty.. improving wellbeing.. provision ol leorning ond physicol oclivilies to keep people octive ond stimulaled. The HUB projecl runs once o week on Wednesdoys. wih some acliwlies lokin9 ploce on other doys ond in the evenin9, oFFerin9 'ovI ol hours, support lo Ihe community. The H UB project inclvdes.. a drop-in mornin9 discu￿On ses&on a range ol phyycol, creolive, leorning, ond S￿la1 oclivilie5 the FRIDGE piojecl the DINE supper club DROP-IN morning discussions Drop-in mornin95, developed becouse ol leedbock Iiom project participonts. starled in lune 2022. They oim to. give supporl lo women on woiling lisls lor other projecls supporfing menlal wellbeing., provide an opportunity loi wornen Iiotn ovi post 12-week project5 lo get logeiher ond meet others/sociolise ond engoge in discussions on topics ol interest,. Introduce new women and relerra15 to The Brid9e Central and ils 5eMces. These se￿lon5 provide a sale, inclusive. and non-jud9etnental Space where wotnen can catch up ond lolk oboul issues thol ole importont lo Ihem over Free teo and poslries. Topics thol hove orisen include grief, corin9 lor children wilh leorning disabilities, motherhood, counselling, menlol heolih, gender inequality, odverse ond positive childhood experiences, suicide. politics, ond nutrition. Women supporl eoch oiher. shore wellbeing lips ond inlormolion on oiher services in the areo. A volunleei counselloi ollends the sessions in on oclive lislening role lo piovide supporl ond lo sleei the conversolion when difficult lopics orise. physicol, cieolive, ond sociol ocliwlies The HUB piojecl runs oclivilies ocioss Ihe month." oil closses, crochel. o book club, o creolive willing circle, o singing group. mediloliori. rnindlul movemenl. breoih woik. yoga, wolk ond lolk sessions, 9ardenin9, and grovp Irips. People con drop in occording lo Iheir availability ond needs On overoge, 15 people omended each Wednexloy ond 30 diffeienl people ocios5 ihe fflonlh. We ve received p0511ive leedbock fvom ollendees. We received the below leedbock from one ol our HUB project member5 lollowng our pK)sler moking woik5hop which was run in partnership with Bonkside Open Spoces Trusl IBOSTI - the Touch 4 Love Campaign, creoling a trail ol mindful posleis oiound Souihwork.. 'The Touch 4 Love Compoi9n is something Ihot le01￿ iesonotes with me. It's o reminder thol even in your dorke5t houi, you ie nol olone. Whether il be lotnily, friend 01 51ionger, people do core ond you ie loved beyond rneosure. Doing the poster workshop ol The Biidge ieolly broughi Ihe feeling ol noi being olone lo life loi me. The project is increosingly becoming more comrnunity-led. We believe everyone h05 something valuable lo shore so we re we encourage Ihose who ottend to shore Iheir skills by running some ol the oclivilies For the piojecl. Currenily120231. oround holl ol Ihe HUB oclivilies ore led by volunteers ond we now hove nine HUB project volunleers. eoch volunleering between 1-4 limes o month. 20 the FRIDGE project This projecl gives tree, fresh Fruit, vegelobles, and other fridge ond sloie items to onyone who needs support in accessin9 good Food. is donoled by The Felix Project, locol businesses, ond members ol the comrnunity. li oims lo supporl people lo sove money, occess healthy food, and reduce wosle. It works on o 'loke thol you need. leove whol you con bosis ond ollows people lo choose food in o dignified monnei without sligrno. We have Nvo cornmunity Fridge5, open Wedne5doy to Fiidoy_ We iecognise that food old organisolions and projecls Ihal re-di511ibule surplus food are nol long-teiffl su51aiTiable 501ulions lo food wusle or food poverty. However, members ol our cornrnunity hove expressed Ihe need lor further suppoil lo access food ond we hove seen on increosed demond os consequence ol the c051- ol-living crisis. Like our Pfevious BOX-IT project, thich delwered oround 300 meals o week during the COVID- I g pondemic, Ihis projecl oHers support in a dignih'ed ond empowering way, moving beyond Ihe Irodilionol food bonk model. We huve been working 05 purl ol the Food Dignity Ne￿Ik, Sovihwork Food Action Allionce NehNork ond Wolworih Nei9hbourhood Food Model ond ore exploring woys Ihul the piojecl con grow lo loke on o more susloinoble l¢)od justice oppiooch. We hove received positive leedbock from community members oboul Ihe proiecl. The leedbock olso evidence5 the need. "I lik• Ihal wt ar• vsing food Ihal would oiherwise b• wasted.. "th• r•c•ssion ond now the cost of living hos continued to hamper ihe m051 poorest. l om very grolefvl. l om cble to feed my children. Thank you." "th• food here li q lifelin•, thonk yov." "thank you, you are helping me to feed my family and n•i9hbours." the DINE Suppei Club The DINE Supper Club is o monihly pop-up community reslouionl serving heolthy, susloinoble food. Wilh Ihe oim ol lockling lood injuslice and sociol isololion in Ihe locol community, il runs on o loose 'pay-il-lotword' model so diners hove the oplion to eol lor free, poy whol ihey con/leel, covei the cost ol Iheii tneol or poy more 05 o donolion lo support oihers. By seoting oll guesls on mixed lables, diners con meel and connect with oihers in ihe community, creoting cornmunity cohesion. 21 The project wos plonned ond iesled in 2022 but onW storted running Monthly in Januoiy 2023. DINE will be reported on Fulw in ihe next Annuol Report. the EDGE colleclive The EDGE collective lobjedive 41 lorrns port ol Ihe HUB projecl. li is o co-produced. 'oulside ol hours project lo support menlol wellbeing when oihei setvices ore closed. It is hoped Ihol lunding con be sourced lo run Ihis project in 2023 ond beyond. LoTlgei leitn we hope il will be sell. susloinable with projecl porlicipon15 Shoring ski115, volunleering to adrnini51er the piojecl, and delivering seuion5. The Chority will piovide the spoce ond o piojecl monoger 10 5uppoiI the work. objective 7: pilot the BODY projed The BODY project, planned in 2022, was developed oFter rewewing the SWAP project and carrying out research inlo aliernalive. weight-neulral ond body positive opproaches to heolih ond wellbeing. Increosed dernand on oui service5 meonl we were not able lo linolise the development ol the piojecl bul il will lun in 2023. Although SWAP oimed lo move owoy From 'diels ond relrome ils locus lo being obout long-leim lileslyle behovioviol chon9es. we found il wos conlinuing lo re-enlorce 'diel menlolity behoviouis, ond continuing lo locus on weighi-10ss 05 0 rnea5vre ol improvemenl ond piomoling some dieting behoviouis, like rnocio-counling ol nulrienl inloke, recording physical aclr¢ity levels, and portion conliol. As an uliernolive, the BODY projecl hos been developed to support improved health behoviouis lor people ol oll sizes wiihoul w&9hi loss as o loojs. By cenliin9 on explorin9 the sociol ond individuol behaviours and olliludes Ihal have led women lo experience body shume ond Ihe developmenl ol o d1501deied ielolionship wilh food und body, the project oims lo oddiess ond dismonile individuol ond sociol noiiolwes Ihol peipeluole diet culiuie Ihol con resvli in low levels ol phy3icoI ond menlol wellbeing. To ensure we lind o bolonce behveen piomoling heolihy lilestyles whilst olso acknowledging ond oddressing diel culture ond brooder Syslem3 01 inequalily, we ore exploring opportunilies ol luriher colloboralion with experts in Ihe field, including women with lived experience. This includes body posiliye ocliwsls, dielilions. nuliilionisls, ond psychioliisls who we wonl lo brin9 into Ihe developmenl ond delivery ol o project Ihol will creole o peer-suppoil ne￿Ork ol women with experiences ol body shome. objective 8: equity, diversity, and inclusion IEDI) development ol o new policy ond ar.lion plan The rnain EDI objeclive in 2022 wa5 to en9age with staff ocios5 the or9ani5alion, u5in9 team meetings ond Boord ond Sub-corntnittee Meeh"ng5 to discuss EDI reloted topics. Sioff were osked lo carry oul research ond reporl on lopics like inlernal biases, inlerseclionolity, ond tians- inclusion. Discussing these Iopics 05 0 group has allowed us lo.. deepen our undeislonding ol EDI., encouioge o culiuie where sloFF ore open lo ocknowledging Iheir own biases ond limilolions whilsl olso encouioging Ihem lo oclively work lo overcome Ihem-, 22 stort ciealing on environmenl where oll stoff leel comfortable speaking up, having open, honesl. ond Tespecrful conveisolions oboul diveTsity ond inclusion, shoring Iheii èxperiences ond perspeclives ond il necessoiy. chollenging Ihe slolus quo. 2022 was also a crucial yeai in developing 51atf and leadership comrnilmenl to diversity and Inclusion. To octively Support our comtnilment to EDI, Iions-owoieness training w05 oigonised for sloff ond Irustees. The Charity wos selecled toke porl in 'PowerLobs, o series ol four Wofkshops led by 'Power & Inlegiity, ond hosted within NCVO. The oims ol Ihe projecl were lo inlofm the Choiity Governance Code (Principle 3. Power ond Inlegiityl ond develop o 'loolbox lo supporl chofilies lo work through thi5 Principle. The Choir ol the Booid ol Truslee5 ond thTee mefflber5 0151aff ptsrlicipoled. Alongside other orgonisolions, we exploied holislic oppiooches lor 019oni501ions to work wilh power ond integrity and looked ol underslondings ol power ond 115 relolion5hip with integrity. The key leorning5 ond Ihose which will inform Ihe opprooches we toke in the organisolion s cornfnitmenl lo EDI ore.. the impoilonce ol underslondin9 how syslemic power slrvclvies like coloniolism, poliiorchy ond iocism inlerconnecl ond underpin devostoling behoviouis Including piejudice, bullying, discriminolion ond 'soviourism', ond how Ihese ore embedded in individvol, collective, orgoni3alionol and inslilulional levels in society.. how lo cvliivole o powei-sensilive oigonisolion ond power-*nsilwe leodership ond sliolegies by lookin9 01 how power cvirenily monilesls in our sliolegies. behoviours ond Building stall und leadership commilmenl lo EDI hos been on important slep in developing the EDI policy, 31ralegy, and oclion plon Idrolied in 2022, reviewed and developed in 20231 and loi sloilin9 conversalions oround Ihe orgonisolion s slrale9y. culiure. and oppioach lo ensure Ihal goin9 lorword we loke o power-sensilive ond whole-syslerns opprooch. The Iruslees ond senior sloFF ore working Ihrough the Good Governance Code and during Ihe yeor we iellecled on ond discussed EDI ond, in porliculoi, how lo ensure our women only spoces Ofe Irans-inclu5ive. objective 9: 10 toke forward steps to redvce the impoct of the Charity's activities on the environmenl. Throughovl the year we conlinued lo loke oclive sleps lowards lullilling our environrnenlal and susloinability policy commilmenls. Food w051e wos o key areo ond we oddressed Ihis by esloblishing an improved lood waste syslem In the cale and incorporoling food wo51e aworenes5 into our chorilable projects The FRIDGE project, described obove, enobled us lo use 5viplus Food ond oddres5 food insecurity in the offltnuni Oiher oreos ol ethicol wusle monugemenl included sethng up responsible disposol syslems lor both flexible ploslics and prinler corlridges. This is run through our wosle monagemenl provider, which is 23 ethically tran5paient about Ihe journey ol our wa51e. We a150 di5P05e ol electrical waste IhrDu9h their free seryice In partnership with Belter Bonkside. Staff engagemenl wos encouioged, os we undertook 'homework' lo bring lo team ffleelings, including research on oreos Ihol conliibule lo climole chonge, elhicol, recycling rneihods and personal pledges. We document our environmenlol progress on our websile through blogs, e.g., the Eoiih Doy Compoign ond 'Responding lo Ihe enei9y CIISIS. The Charity's inve51menl porttolio s coibon loolpiinl is lowei thon the notional benchmark 1285 lonnes v5 303 tonne5 01 C021. However, the BoaTd wishes lo further itnprove the environmental impocl ol Ihe Chority ond wilh 9uidonce Irorn ils professional odvi50rs, is considering changing Ihe inveslmenl poiilolio lo a Responsible Mulli-Asset Fund. This model is designed for chofities wishing lo olign Iheii inveslmenls with good enwronmenlol proclice lo hove o posilive impact by avoiding en90ging in hofmknl inveslmenls. The Chority's commilmenl lo the environmenl will continue into 2023 ond beyond. Nexl yeor we will ieploce plonl powered by gos wilh electricity ond will move lo o popeiless oHice by digilising records. objectives for 2023 l . lo further develop the HUB projed, by- running rhe DINE pFoiecl wilh Ihe support ol o voriety ol cornmunity/guesl chels lo provide culiurolly ielevonl and occessible plonl-bosed rneols,. o oFFeiing o widei ronge ol Fresh food ond cupboard ilems lor the FRIDGE project and increasing cornrnunily involvemenl in Ihe development and delivery ol Ihe project,. bioodening the fon9e ol physicol. creolive. leornin9 ond sociol ocliyilies ofFered on ihe HU8 Doy, following the piinciples ol co-prodvclion." o seek fijnding lo luiiher develop Ihe Edge projecl. 2. 10 develop portnerships/funding lo enoble the Chorily to run the BODY project 3. develop a projed Ihal explore5 women's experiences of health and wellbeingi working wilh re5eorcher5 ond women ol oll oge5. idenlilies ond background5, wilh Ihe aim ol producin9 0 piece ol work Ihol will inlorm reseorch ond kniure projecls 4. lo corry oul an tvolvotion of th• R15E proj•d lo infomi projèd d•Y•lopm¢nl and funding 5. 10 finolise EDI Policy, Sirolegy ond Aclion Plon ond irnplemenl 6. 10 develop a new 3-year strolegy for the Charity- 2024-2026 7. 10 continue lo redvce the Charity's impod on the environment. 24 safeguarding We oim lo promote a welcoming culture where everyone who encounlers the Chority is Ifeated with dignity ond iespecl ond leels Ihol Ihey ore in o sole ond supporlive environmenl. In corrying oul our work. we do not W5h to Cause hairn arid work to tninitni5e risk, pailicularly those 0550cialed with working with vulneiable adul1& TIu51ees understand their sale9uafding responsibilitie5 ond ensure Salegvordin9 ond Boundorie5 Policie5 ole in place ond thol these ole reviewed o minimum ol onnuolly. Soleguording h05 been idenlih.ed os o 'key' policy and so must be ieviewed by the Board aftrer scrutiny by the Humon Resources Sub-committee. All sloff ogree lo abide by Ihe policies ond underloke onnuol soleguordin9 Iroining. Sioff who work closely wilh vulneioble wornen hove speciolisl quolilicolions in their lield ond ore required lo undèrgo DBS checks. The Chority hos o soleguoiding leod who is known lo Ihe whole sloff leom ond sloll orè encouruged 10 speak up and roise any concern5. There ore 0150 Forum5 such os de-biieh.ng und reflective proclice 5e55ion5 where 51aff discuss polentiol safeguarding issues. Saleguording risks ore considered in plonning all acliwlies. public benefit The Tiuslees confirm Ihol Ihey hove complied with their duty under seclion 17 01 Ihe Chaiilies Act 2011 lo hove dve ie9oid lo the Chority Commission's generol guidonce on public benelil. including 'public benelil.. funnin9 0 choiiw., In eoch ol Ihe oclivilies. svmmofised obove, Ihe Tiuslees believe they comply with their responsibilities re9ording public benelil. Even Ihough mosl ol the Choiity's projecls ore restsicled lo women, Iruslees believe thi5 is o sufficient section ol the public. Addilionolly. many project parlicipanls have experienced sorne form ol gender- bosed violence or obuse ond osked loi women-only projecls. Our research also tells us Ihal women ore dispropoilionolly oFfrecled by menlol health issues. Borriers lo occess ole minimised - individuols con *ll.reler lo projecls which ore free lo occess. There is o very occessible lee slruclure loi gym membeiship, including concessionory ond free memberships in certoiri coses. structure, governonce, ond manogement Thi5 report 15 piepored in occordonce with Ihe Mefflorondum ond Ailicles ond the recommendolion5 ol Ihe Siotement ol RecoTnmended Proclice - Accounting ond Reporting by Choiilies ond complies wilh applicable law. The Bridge Cenliol, lorrnerly The Young Women s Chrislian Associalion Cenlral Club I'the Charity'l wos incoiporoled on 30 Juw 1998 os o compony limiied by guoronlee ond noi hoving o shore copilol liegisleied number 036069401. li hos olso been iegisleied os o choiity Ino. 10713151 ond is permiifed lo exclude the word 'litniled' frotn it5 name. It 15 Ihe succes501 lo an unincorpoialed registered charity ol the 50tne narne I'ihe Old Chaiity'l which ha5 been wound up and deiegistered with oll nel 055e15 lron51eiied lo ihis Choiity- 25 As the Charity 5 narne wa5 tnisleadin9. we plonned to change il to something more neulial IThe Bridge Cenlroll. To inform our decision moking. we consulied with the people who ottend our projects, gym members and stotf, ond Ihe iesponse was positive. Notice thol the nome change hod been occepled was received 01 /06/2023. organisalionol and decision making structure The Trustees ore responsible loi the gerieiol control ond mono9etnenl DI the Chaflty. To assist in the smooih runnin9 01 operations, Ihere ole Ihree 5ub-cotnmillee5 which advise Ihe Booid (Humon Resources, Finonce ond Morketingl. The Finance Sub-commillee meets on o quorterly bosis, the oihers as needed bul o minirnum ol ￿lce o yeor. A sloFF Heolih ond Safety Commillee reporls to the Human Resouices Sukcomrnillee. The doy-lo-doy mano9emenl ol the Charity's Se￿ices, locililies ond projecls is delegated lo sloFf. A Dele901ion Fromework guides sloff and sub.cornmillees on the scope ol Iheir delegoled ouihorilies. recruitment ond appointment of trustees Truslees coriy oul on onnuol 'skills oudil, lo esloblish Ihe skills, kno%￿edge ond experience within the exisling Board rnernber5hip and identify ony gops ond oher this. il neces50ry, a period ol recruilrnenl follows. Vacuncies ole widely odvert15ed lo ollrocl a blood diversity ol oppliconls, en5vring a bolonce ol skills, experience, knowled9e, and bock9rounds. Inleresled potential Iiuslees meet with a smoll group ol Truslees ond slall 10 give them Ihe opporlunity lo lind oul mole oboul our aims, objectives, and oclivilies. They ole Ihen invited lo ollend a Board Meeh'ng os observers. This process ollows proper con$ideiolion ol ihe individuol's eligibility, speciolisl skills ond knowledge. New Truslees ore then elecled by Ihe rnernbeis ot Iheii Annuol Generol NAeeling. The Tiuslees moy ol ony lime co-opl ony person qvolilied lo be oppoinled as a Tiuslee lo lill o voconcy vnlil the nexl AGM. li wus plunned lo iecruil o Iruslee Irorn rhe project parlicipanls. and this hos fecenily happened. trustee induclion and training All new Trustees ore encouroged lo spend 50tne IiTne wilh sloff to lomiliorise Ihefflselves with our work ond the conlexl wiihin which we operole. On oppoinlmenl Ihey ore given a copy ol Ihe Board Member Hondbook. The Memoiondum ond Ailicles ol Associotion. Ihe lolesl sel ol Monogement Accounts ond Ihe mosl recenl Annuol Reporl ond Finonciol Stoiemenls. The hondbook conloins key inlormolion obout Ihe Choiity - the work il does. the iesponsibililies ol Tiuslees. governonce ieloting lo the Charity, Term5 01 Releience lor Ihe Board ond 115 Sub-corntnittee5, role description5, Inlormolion on complionce. Trustee biogiophie4 etc. Truslees ond senior slaH recognise Ihe importonce ol keeping up lo dale with governance developments, Ihe regulolory environmenl ond Ihe chority londscope ond ottend seminar5 ond oiher events applicoble lo Iheir oreos ol inleresl ond expertise. Detoils ol relevonl Iroining opportunilies are ciiculoled lo Ihe Boord ond sloFF. 26 pay policy for senior staff ond trustees According lo Ihe Direclofs, the key monogement personnel comprise OF the Boord ol Tiuslees ond the Senior Monogemenl Teom. All Iiuslees give Iheir lime Iieely ond no Iruslee received iemuneiolion from Ihe Chority duTing ihe year. Delai15 01 Iru5tees expenses and ielaled party Iian5aclions are disclosed in note 15 10 the accounl5_ Solories for senior mono9emenl ore sel ond rewewed onnuolly by the Boord ol Tiuslees. They.. use benchmorking lo ensure Ihol soloTies iemoin compelilive". determine the rernunerolion pockoge ol the Senior Monogement Team.. approve the onnuol peicenloge increose in poy loi oll slow Iwhich con be zero. Opofl from those receivin9 the London ￿￿ing Wogel, considering the RPI a5 0131 Decembei ol the pievious yeoi. principal sources of funding We have used reserves lo fund projecls. Exlernol knndin9 01 £2,054 wos accounted lor in 9ionls _ received from london Sporl Gionl Ipiojecl owoid 2021 /221 ond Sport Englond (Yogo Projecl owurd July 20191. A gronl of £4,C(Xi wos received fvom Southwark Covncil lor the 'Omicron H05pilulity ond Lei5uie Gronl, ond a lolal 01 £5,5Q5 wos Irorn received Irom public donalions. principal risks and uncertointies We hove considered the linonciol ond operolionol risks Ihol Ihe Chority loces ond conliim Ihol we have pul in place sy51em5 ond conlrols lo miligole exposure lo these risks. We have drawn up u risk register which idenlilies risks occording lo oreo ol oclivity,. the colegory ol risk,. the likelihood ol occuiience,. the miligaling oclions ond the level ol risk remoining and wheiher Ihe ielained risk is 01 on occeplable level. The regislei is ieviewed on on onnuol basis as a minimum. To keep oware ol emerging issues, risk monogemenl is o slondin9 Itern on Ihe Bcnrd Agenda. The Irv51ees ond senior monogemenl hove idenlilied Ihe following 0$ the piincipol risks. qeneral polilicol ond econornic environfflenl We hove on Inveslmenl Policy ond en909e prolessionol odvisois lo monoge Ihe Choiity's funds ond receive regulor repofls. The advisors ore inviled lo presenl lo the Booid onnuolly ond v4hen odvice is needed., 'ulure pondemics.. Ihe 5y51ems ond procedure5 pul in ploce during, ond posl-pondemic provide o solid loundolion in Ihe evenl ol lulure pondemics. We also adapted and developed projecls lo move online ond vio opps. Imiled copocity Io SUPPOTI the Increosed need lor services -Siaff keep woiling lists lor the projects ond look for lunding opportunitE5 01 volunleeis lo conliibule lo the funning ol projecls or new oclivilies,. yber-%ecurity o cybei-insuionce policy is in ploce", in5uronce review5 involved in-depth lesling o15Y51ems and pioceduie5. ie5uliing in lightened procedures," oll slott undertoke cyber security troining. terrorism (the Choiity 15 bosed c105e lo o nutnber ol hi9h.piolile London 51tesl". miligoling oclions include Teiioristn Insuronce, go¢xl security ond etnergency plon5-, 27 climole chonae /llooding' We ore tying lo reduce our impocl on the environment, e.g., reducing ony ielionce on gos. 'educed revenue From Income slreoms used lo fund choriloble projects resulting from chonges in user behaviour ond Ihe economic climole. With the onset ol the pondemic, some ol Ihe income slieams which support the choriloble projects slopped immedialely and have been very slow lo show signs ol recovery ond ore nol lully recovered in 2023. More recently, the cosl-ol-living crisis hos impocled income. We used reserves lo ollow projects lo conlinue. We hove o robu51 Reserve5 Policy in ploce, ond thi5 is ieviewed on o iegulor basis and o minimuTn ol onnuolly. investment policies, objectives, and performance Undei rhe Memoiondum ond Ailicles ol Associolion Ihe Tiuslees hove Ihe power lo deposit 01 inves1 funds in ony monner Ibul lo invesl only ofier odvice From o linonciol expell ond hoving iegord lo the suilobility ol inveslmenls ond Ihe need loi diversih'cohonl. The monogernenl ol investments con be delegated lo o linonciul expert, providing cerloin condilion5 ore rnel. Cozenove Copilol Manogemenl wos oppoinled as Ihe inveslrnenl rnonogefs in Jonuory 201 l . The Truslees ore looking lo ochieve on income relurn ol 4.2% From the Chority's investmenl porrfolio lactuol income ieluin lor 2022 was 3.2%) ond on oveioll lolol relurn 017% loclual lotol _ income and capitol ieluin 101 2022 wos-4.5%1 We ore con5iderin9 rnoving lo o Responsible Mulii-A5*1 Fund lo minimise the Chority'5 impocl on people and the plonel. Invesling In this Fund would reduce Ihe tolal c051s und simplify udfflinisliolion, whi151 pre3eiving Ihe long-lerm inve51rnenl objective. A decision will be token later in 2023, financial review During 2022 rhe group's Funds weie invesled wilh Cozenove Capilol Manogemenl into a diveisilied poiilolio. The moikel value ol Cozenove Copilol Monagemenl as ol December 2022 wos £4.776.353. IThe morkel volue 31 December 2021 wos £ 5.638.177). The lolo12022 income wos £540,84512021.. £504.3051. Key sources ol Income lor the period Included." Income from inve51tnen15 lincluding inleie51 receivoble on bonk dep051t51 which lololled £29Q,Q5712021.. £ 313,5691,. Heolih & Wellbeing gym rnember5hip subscription inCOTne, which lololled £99,58512021.. £57,Q041 ond gionls and donahons ol £12,24912021. £90,605). Expendilure omounled lo £1,102,18712021.. £ I,otL),5101. 28 INCOME 2022 (Jher Incorne Room Hir• Dontshons 9rtsnts cafe￿rI0 & Evenls 15% 8% Inv•5hTrent in(yrn• H•ulth & W•llb•in9 M•mb*rship Subscripth'ons 18% 55% EXPENDITURE 2022 H•olth & Wèllb•in9 Membership Subicriptions Inv•stm•nt monog•m•nl Cohtsriu & Ev•nls 3% s￿11 costs 49Y. Support Cos 41% reserves policy section one: overview In selfing this Reserves Policy we hove consideied our strote9y ond ossocioted budgets. logèiher with mojoi risks lo income ond expendiluie. The policy oims lo hold reserves ol o level Ihol enobles us to monoge Iinonciol iisk ond short-lerm incoffle voknh"lity,' moinloin optifflol leve15 01 service over the long leiffl,. ensure Ihot linanciol cotnmiltnents con be tnet os they orise., itnplemenl new slrutegic priorities and respond io effler9ing need in uncertoin kn"rne5. 29 We have approved o liquidity-ba5ed approach to re5etves. which iequiies u5 to hold ie5ep4e5 in cash ond reolisoble inveslmenls equivolenl to the sum 01 £2,030,000. Details ol this are provided in seclions 2 ond 3 01 this policy. The lolol funds ol Ihe Chority 0$ 0131 December 2022 were £11,252,664. Included in these funds ore longible ond inlongible fixed ossels lololling £4.219.441', on inveslmenl property valued ol £2.312.060 ond two designoled funds. described below. The inveslmenl property con5151s ol Ihe liisl and second Iloois ol the Chaiity buildin9 and are theielore not considered free ie5epoes The Investment property and inveslmenl porttolio generote incotne of £2W,957 which lofrns o subslonlial port ol Ihe Charity 5 lunding (see section 2 01 thi5 policyl. designated funds The Boord has Ogreed Ihe need lo sel up desi9noted funds.. l . building mainlenance ond equipmenl. £1.520,WO As owner ol Ihe piopeity wheie The Bridge Cenlrol Iloimolly Ihe YWCA Cenlrol Clubl hos 115 heodquorlers.- Ivns ils choriloble oclivilies ond projecls.- ond hos responsibilities lo leoseholdeis, il musl keep Ihe building ond 115 lixlures and fitting well.mainlained und 501e lor oll usel5. Discussions with a rnoinlenonce 5peciolisl eslimole the building needs for the ne￿ l O yeors lo be £1,520,OW. The sums colculoled provide lor replocernenl ol plont corning to the end ol ils useful life, including ilems such os lih, windows. air exlracls and replacement boilers. As climole change has been idenlilied os o risk loclor. Ihis provision allows lor ener9y-sovin9 meosuies and lulvie proofing le.g. replocing 905 plonl wilh eleclric. plonning lor inS￿lI1n9 solor ponels and UPgiodin9 Ihe windows) We olso Tecognise Ihol mony lundeis will not conliibule lo copilol expendilvre. In view ol ihis ond the obove, we con51der il prudenl lo provide, wiihin oui reserve5, lor copilol expendiluie lor the nexl l O years. exisling charitable projec15 ond emerging need- £ l.QOO,(K)o With the ouibieak ol Ihe Coronoviius pondernic, li become opporeni Ihal Ihe needs ol existin9 beneficioiies were exocerboled. Alihough we were oble lo provide our services digilolly wiihoul deloy, people with menlol heolih issues needed more support ond extro seNices lo help prevent further decline in menlol wellbeing. We wish lo be able lo quickly respond lo urgenl need and have designoled Ihe obove lund5 10 ollow lor, in oddilion lo exisling projects, developmenl ol work in Ihe obove oieas and any others thal may emerge. Deloils ol exislin9 projecls ole obove, under Achievements and Performance. sedion two: the charity londscope ond risks foced by the Charity funding As CAF ieporled in Ihe Choiity Londscope 2022 updole -Financial susloinability is the no. I chollenge loi choiity leaders, whilst on incieosing nurnbei ol chorilies plan lo use resewes lo cover income shoiilolls. The lop chollenges ciled by chority leoders were geneioling income ond achieving financial sustainability158%1, Followed by rneeting dernond loi services130%1. The Ihiid m051 pressing challenge wos a ieduclion in public/goveintnent knnding126%1, alihough significanily lewei horilies seleded this option cornpored to pie-pandernic132% in 20191. 30 Over recenl yeors public funding hos diminished., goveinmenl and IcKol ouihorities hove cut bock services ond grants,. there is increased competilion for funds Iiom privote componie5 ond better resourced larger charilies wilh hjndroising deportments. Consequently, smoll choiilies like The Bridge Cenliol, lind themselves in o po&lion ol compeling lor o pool ol ever-decfeosing funding whilsl the demand on seivices grows. div¥rsili¢oti¢n strot¢gy To ensure Ils lon9-lerm viability in lime5 01 reduced lunding ond econotnic unceilainty, the Charity has odopled a slrale9y ol diversilicohon 50 It CQTI be laigely independent ol exlefnal funding. As part ol this, Il wishes lo muke the besl use of all potential sources ol income, including Ils property ond inveslmenls lo fund choriloble oclivilies lor pre*nl ond lulure beneliciories. To achieve o degree ol linonciol independence, Ihe Chority hos esloblished severol income streoms, including Ihe leosing ol some spoces nol currently needed by Ihe choiify, membership income, dividends from inveslmenls, ond some oncilloiy income Iiom soles From o colé. The oreos ol diversilicolion bling with them risks Ihol must be mili9oled, monoged. ond provided loi. reserve5 proYi5ion5 l•as• incomt.. £720.000136 months) One diversilicolion meosuie pul in ploce is Ihe leosing lo third porlies ol spoce not cuiienily needed by the Chority. Alihovgh onlicipoled lo be o regulor ond relioble income slreom, the Boord idenlilied the risk ol occosionol gop5 be￿een lenoncies and o provision ol renlol income had been made lor this., key stoff ¢osts.' £310.000 Re5erve5 to cover key sloll costs lor O monihs should the Churity hove lo close ond loi polenliol iedundoncy cosls,. ¢oshflow.' £1 00,000 A working co5hllow bolonce lo toke occovnl ol uneven coshflows during the yeor os o result ol 1055 01 income Irorn Ihe colé, meeling room hire ond membership incorne,. optroting cosls= £500,000 As these ore exceplionol limes, with the possibility ol severol spikes ol Covid- l Q, the Boord hos decided Ihol for Ihe foreseeable luluTe, il should rnoinlain one year ol budgeted generul expendilure, oiher Ihan Ihol spenl on income generalion., potenlial liligolion issues £ 1,000.000 Alihough the Boord hos idenlilied risk5 relaling Io issues such os dolo breaches/GDPR ond HR issue5 os low, rhe severity ol risk is meosured os high, ond Ihe Boord Ihinks il prudenl lo provide Ihe above sum lo cover such risks. sectrion three.. summary The Trustees normolly operole on o Ihree-yeor plan. with ieserve thresholds reviewed o rninimum ol onnually. The Tiuslees have sel aside 2 designoled Funds lo ensure Ihe delivery ol ils slrolegy with reserves iemoining al on oppropriole level. This re5erve5 policy takes into considerolion Ihe nolure ol the service5 11 deliver5 Wlth little iecou15e to exleinal funding. It therefore hold5 lunds k) ensure thol il con meet the 5etvice delivery plons etnerging from 115 51rolegy- balance The desired level ol resewes 01 £2,630.CM)O compores lo aclual fvee rese￿e5 £2,314,480 al 31 December 2022. The Chority plons lo invesli9ole mili901ion options lurthef lo ollow a reduction ol provided reserve$ lor exomple reducin9 Ihe omovnl loi 'polenliol lilwJolion issues,. r•vi•w This policy will be moniloied IhToughovl Ihe yeoT ond iewewed ogoin in November/December 2023. slatement of trustees, responsibilities The Tiuslees. who ore olso diieclois ol The Biidge Cenlrol (Iofmerly The YWCA Cenlrol Club) loi the purposes ol compony lowl ore responsible lor piepoiing Ihe Tiuslees, Repoil ond the Finonciol Siolemenls in occordonce wilh opplicoble low ond Uniled Kingdom Accounting Siondords Iuniled Kingdom Geneiolly Accepted Accounting Proclicel. Compuny law iequiies Iruslees lo prepore linonctol slalernenls lor each linoncial yeor which give a true ond loir view ol Ihe slole ol the oHoiis ol Ihe choriloble company ond ol Ihe outgoin9 resources ond applicalion ol iesouices. In pieporin9 Ihese linonciol slolemenls, the Iruslees are required io.. select 5uiloble occounlin9 policies ond Ihen apply Ihern consislenily,. observe the methods ond piinciples in Ihe Chorih'es SORP.. make judgemenls ond eslimoles Ihol ole reosonoble ond piudenl. slole whether opplicable accounling slondoids hove been followed, subject lo uny tnoleiiol deporlure5 disclosed and exploined in Ihe occount5', piepoie the occounls on o goin9 concern bosis unless il is inoppropriole lo presume ihol the choiity will continue in business. The Trustees ore responsible loi keeping proper occounting recoids thot di5c105e with reusonable occurocy ol ony IiTne the linonciol posilion ol the Chority ond lo enable thetn to ensure thol the occounls comply with the Cornponies Acl 2(X)6. They ore olso responsible for saleguording the ossels ol Ihe Charity ond the group ond hence lor loking reosonoble steps For Ihe prevenlion ond deleclion ol Iioud ond oihei iiieguloiilies. 32 stafement of trustees, responsibilities (cont'd) In so loi os the Iiuslees ole owore". there is no relevant oudil inlormokn.on ol which the chariloble compony's ouditoi is unowore,. ond the Iru51ee5 have taken all 51ep5 that they ought lo have taken lo rnake themselves aware ol any relevonl audit Inlorrnalion and lo establish Ihal the auditor 15 aware ol Ihal inloitnation. The company has taken odvonlage ol the smoll cornponies exemplion in preparing the Tiuslees Report. Approved by the Boord ol Tiuslees. ouihori5ed lor i55ue ond signed on ils beholfr. S Halugari 33 INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF THE BRIDGE CENTRAL IFORMERLYTHE YOUNG WOMEN'S CHRISTIAN ASSOCIATION CENTRAL CLUB) Opinion We have audited Ihe financial slaletnents ol The Bridge Central I'the cotnpany'l lor the year ended 31 December 2022 which cotnprise Ihe Sialefflenl ol Financial Actwilies, the Balonce Sheet, the Cash Flow Siolemenl ond noles lo ihe financial slatements, includin9 0 surnrnory of signih.conl uccounting policies. The linanciol reporting Iromework thol hos been opplied in their pieporalion is applicable law and United Kingdom Accounting Slandords, including FRS 102 'The Financial Reporting Siandard Applicoble in the UK ond Repvblic ol Irelond. Iuniled Kingdom Generolly Accepted Accounling Proclice In our opinion Ihe linonciol slolemenl5-. give o Iiue ond loii view ol Ihe slole ol Ihe chariloble comrxiny's offairs as at 31 December 2022 ond ol ils incomin9 iesources ond opplicolion ol resources, includin9 ils income ond expendiluie, loi the yeoi then ended., huve been properly prepared in accordance wilh United Kingdom Generolly Accepted Accountin9 Pioclice,. ond huve been prepored in occordance wilh the requirements ol the Cornponies Acl 2006. Bosis for opinion We conducted our ovdil in occordonce with Inlernolionol Siondords on Avdiling IUKI IISAslUKII ond opplicoble low. Oui responsibilities undei those slondoids ore further described in Ihe Audiloi s Responsibilities lor the oudil ol Ihe linonciol slolemenls seclion ol our report We ore independenl ol the churiloble cornpony in occordonce with Ihe eihicol requirernenls Ihol ale Televonl lo our uudil ol the financial slalemenls in the UK, including Ihe FRC s Eihicol Siondord, ond we have lullilled our other eihicol iesponsibililies in occordonce wilh these requirernenls. We believe Ihol the oudil evidence we have obioined is sufh'cienl ond oppropriole to provide a bo&s lor our opinion. Conclvsions relating lo going concern In audiling the linonciol slolemen15, we hove concluded Ihal Ihe Iruslees use olihe going concern ba515 ol accounling in Ihe preporalion ol the linonciol slolemenls is appropriole. Bosed on ihe work we hove performed. we hove nol idenlilied ony moleiiol uncerlainlies reloling lo events or condilion5 Ihal. individual￿ or collectively. rnay ca51 519nilicani doubt on the charitable company'5 obility lo conlinue 05 0 going concern loi a peiiod of ai least Iwelve tnonth5 fvom when the Iinonciol 5tolemenls ole ouihoiised loi issue_ Our responsibilities and Ihe iespK)nsibililie5 01 the Iruslees with respect lo going concern ore described in the relevunl seclions ol Ihis report. 34 oiher informalion The oiher inlormolion comprises ihe informolion included in the annual reporl, other ihon Ihe linonciol slolements ond our oudilor s report Ihereon. The Iruslees ore responsible For the oiher inlormalion. Our opinion on Ihe linonciol slolemenls does nol cover Ihe oiher inloimolion ond, except lo the exlenl otherwise explicitly sloled in our ieporl, we do nol expie55 any krm ol assurance conclusion Iheieon. In connection with our audil ol the h"nancial slaletnents, our iespon5ibility is to read the oihei inlormalion ond, in doing 30, consider wheiher the other inlormolion is rn0teiia1￿ inconsistent wiih the linonciol slatemenls or our knowledge obioined in the audil 01 oiherwise appears lo be maleriolly mi5slaled.11 we idenlify such moleriol inconsislencies or opporenl moleriol misslolemenls, we ore required lo delermine wheihei Iheie is o moleriol misslolemenl in Ihe linonciol slolemen15 or o rnoleiiol misslolemenl ol the oihei inlormolion.11. bosed on the work we hove perloimed. we conclude Ihol Ihere is o moleiiol misslolemenl ol Ihis oihef inlormolion. we ore required lo reporl Ihol locl. We hove nothing lo report in ihis regord. Opinions on other matters prescribed by the Companies Act 2006 In ovi opinion, bosed on Ihe work undeiloken in Ihe course ol the oudil.. the inloimolion 9iven in the slrole9ic report and the Iruslees onnuol report loi the financial year loi which the linanciol slolemenls ore prepored is consislenl wilh the linanciol slalemenls., ond the slrolegic iepoil ond Ihe Iruslees, onnuol report hove been piepored in occordonctt with applicoble legal iequirernenl& Matters on which we ore required to report by excephon In Ihe Ilghi ol the knowledge ond underslonding ol Ihe cofflpony ond Ils enwronrnenl obioined in Ihe course ol the uudil, we hove not idenlilied moleriol misslolemenls in the 51rolegic repofl or the Iru51ees onnuol report. We hove nothing lo report in respecl ol Ihe Following rnolleis where Ihe Companies Act 2006 requires us lo iepoil lo you il. in our opinion.. odequole occounling recoids hove not been kepl, 01 ieluins odequole lor our oudil hove not been received from bronches nol visiled by us., or the linonciol sloletnen15 ore nol in Ogreefflenl with the occounting recoids ond relurn5', or ceiloin disclosuies ol Iruslees iemunerolion specih'ed by low ore not made". 01 we hove nol received oll ihe inloirnotion ond explonoh.ons we reqvire lor our oudil Responsibilitie5 of trustees As explained rnore lully in rhe Iru51ees' responsibililies stolement sel out on poge 32, Ihe Iiusleès (who ore olso Ihe directors ol the choriloble compony loi the purposes ol compony lowl ole responsible lor the preparation ol Ihe IiTianciol slatetnent5 and for being s01i51ied Ihal they give a true and lair view, ond for such Inteinol control osihe Iiuslees deleimine is necessory lo enoble the preporolion olh"nanciol slotements thol ore free Ilorn Tnoleiiol tnisslolernenl, wheihei due to Froud 01 erior. 35 In preparing the linanciol 51olemenls, Ihe ttuslees ole ie5POll5ible lor os5e55ing the chaiilable compony's obility lo continue os o going concein. disclosing, os opplicoble, mollers reloted lo going concern and using Ihe going concern bosis of occounting unless Ihe Irustees either Inlend lo liquidole the chariloble company or lo cease operalions. or hove no realistic oliernolive bul to do so. Auditor's responsibilities for the audit of the financial statements Our obieclive5 are lo obiain reasonable assuiance about whether the Iinancial slolemenls as a whole ore free from moleriol mis51alernenl. wheiher due to Iiaud or error, and to Issue an auditol 5 reporl Ihol includes our opinion. Reasonoble assuronce is o high level ol assuronce, bul is nol a guoionlee ihol an audil conducled in occordonce wilh ISAS IUKI will olwoys detect o moleriol misslalemenl when il e%isls. Misslolemenls con oiise from Iioud or eifor ond ore considered moleriol il individuolly 01 in oggiegole, they could ieosonobly be expecled lo influence the economic decisions ol users token on Ihe bosis ol these linonciol slolemenls. Irregulorilies, including Iroud, ole inslances ol non-cornpliance with laws ond regululions. We design procedures In line with our responsibililies, ouilined obove. lo delect material misslalemenls in respect ol iiregulorilies, including liaud. The exlenl lo which our procedures ore capoble ol delecling irregularities, includin9 Iioud is delailed below. Explonotion as lo whal extent the audit was considered copoble of detecting irregularilies, including froud The objectives ol oui oudil in respecl ol fraud, ore., lo identify and assess the risks ol rnaleiiol misslolemenl ol the h'nonciol slolemenls due lo Iroud,. lo obioin suFFicienl oppropriale audit evidence regardin9 the assessed risks ol moleriol misslolemenl due lo Iroud. Ihiou9h designing and implementing oppropriole responses lo those osse$5ed ii5ks,' ond lo respond oppropiiolely 10 in51once5 01 Iroud or Suspected Iroud idenli11ed during rhe oudil. However. Ihe primory responsibility lor the prevention and deleclion ol Iroud resls wilh boih monogemenl ond Ihose chorged with governonce ol ihe choriloble company. Our oppioach was os follows.. We obioined on undeislondin9 01 Ihe legol ond iegulolory requiiemenls opplicoble lo the choriloble compuny ond conydeTed thal Ihe m051 signih'conl ore Ihe Companie5 Act 2006, Ihe Choiilies Acl 201 I, Ihe Choiity SORP, ond UK linoncial reporling slandaids os issued by Ihe Finonciol Repoiling Council We obioined arn underslanding ol how the choriloble company complies with Ihese requirements by discussions with rnanogemenl and Ihose charged with govefnance. We osse5sed ihe iisk of moleiiol rni55toletnent ol the linonciol 51olements, including the risk ol moleriul misstolemeni due lo Iioud ond how il mighi occur, by holding discussions with monagemenl ond Ihose chorged with governonce. We Inquired ol fflono9etnent ond those chorged with goveinonce os to ony known instonces ol non-complionce 01 suspected non-complionce with lows ond regulolion5. 36 Bosed on this underslonding. we designed specilic oppiopriole oudil proceduies lo idenlify inslonces ol non-complionce with lows ond iegulolions. This included moking enquiiies ol monogemenl ond those choiged with governonce ond obioining oddilionol corioboiolive evidence as ieguired_ As port ol un oudil in occoidonce wih ISAS IUKI we exerci* piolessionol judgement ond moinloin prolessionol 3ceplicism Ihioughoul the oudil_ We olso.. Identify and os5e5s ihe ri5k5 01 tnoleiiol rni5Stolernent ol the linonciol 51olefflenls, whether due lo fraud or error, desi9n ond perforrn oudil procedures responsive lo those risk5, ond obioin oudil evidence Ihal 15 5uHicienl ond appropriate lo provide o b05is loi our opinion The risk ol not delecling o moteriol misslalemenl resuliing Irorn Iroud is higher thon lor one resulting from erioi, as Fraud may involve collvsion. lor9ery, inlenlional omissions, misrepiesentotions, or the override ol inlernol control. Obiain on underslandin9 01 inlernol conlfol relevant lo the audit in order lo desi9n audit procedures Ihol ore oppropiiole in Ihe circumslances, bul nol For Ihe purposes ol expressing an opinion on the eHeclweness ol Ihe charitable compony's inlernal control. Evaluate the appropriolenes5 01 occounlin9 policies used and the reasonobleness ol accounlin9 eslirnales ond reloled disclosures rnode by the Iruslees. Conclude on Ihe oppioprioleness ol the Iruslees use ol the going concein bosi5 01 uccounling and, bosed on the audil evidence obioined, whelher o rnoleriol uncerlointy exists ielaled lo events 01 conditions Ihal rnoy cosl signiliconl doubl on Ihe choriloble compony's obility Io conlinue os o goin9 concern.11 we conclude Ihol o molerial unceilointy exists, we are required lo diow ollenlion in our oudiloi s report lo the ielaled disclosures in the financial slolemenls or, il such disclosuies ore inodequole, lo modiFy Ouf opinion. Our conclusions ore bosed on the oudil evidence obioined up lo the dole ol our ovditor's report. However. hjluie events or conditions moy covse the choriloble compony lo ce05e lo continue 0$ u going concein. Evoluole the oveioll presenlolion. struclure ond content ol ihe linanciol slolements, including the disclosures, and wheihei Ihe linonciol slotemenls repiesenl the underlyng Ironsoctions ond evenls In o monner Ihol ochieve5 loir piesenlolion. We commvnicole wilh those choiged with governonce iegoiding, ornong other molter5, the plonned scope ond liming ol the oudil ond signiliconl oudii lindings, including ony significant deficiencies in inleinol control Ihol we idenliFy during oui oudil. 37 Use of our report This repoil is made solely lo Ihe choriloble compony's members. os o body. in occordonce with Chapter 3 01 Pail 16 01 Ihe Cotnpanie5 Acl 2006. Our audit work hos been undertaken 50 that we mlghi 51ale lo the company'5 rnembe15 those tnatters we ale required 10 51ale lo Ihetn in an audiloi 5 report and lor no oihei purpose. To the lulle51 e￿en1 pertnilled by law, we do not accept or a55urne responsibility lo any poty oiher ihon the choriloble cornpony ond choritoble compony's mefflbers os o body, lor our oudil work, loi this report. or lor the opinion5 we hove loimed. J_A LLe Neil Finlayson (Senior Siululory Audilorl lor ond on beholl ol Moore King51on Smiih LLP. Siotulory Auditor Date. 22 September 2023 Floor 6 9 Appold Sireel London EC2A 2AP 38 ## **The Bridge Central Statement of Financial Activities** ## **(incorporating the Income and Expenditure Account) For the year ended 31st December 2022** Page :39 ## **The Bridge Central Balance Sheet as at 31st December 2022** Note Page: 40 ## **The Bridge Central Cashflow Statement For the year ended 31st December 2022** Page: 41 **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022** Page: 42 **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022 (Continued)** Page: 43 ## **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022 (Continued)** Page: 44 ## **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022 (Continued)** Page: 45 ## **The Bridge Central Notes to the Financial Statements For the year ended 31 December 2022 (Continued)** Page : 46 ## **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022 (Continued)** Page: 47 ## **The Bridge Central Notes to the Financial Statements For the year ended 31st December 2022 (Continued)** Page: 48 The Bridge Centrol Notes to the Financial Statements For the year ended 31 ￿ December 2022 Iconlinved) 12 Fulure Renls due from Tenanls 2022 2021 The Charity hos 412021.. 31 lenants ￿0￿ng PTopertywthin their bulding. Amtsunls due wiihin l yeoi Amounts dvÈ bety￿en ? ond 5 yeus 128,829 32B,B72 79,592 I I,Q4Q 13 D•l¢rr•d In¢rJrn¢ Anolysis 2022 2021 BIou9hi loword Released in Ihe year New PIov1510D odded 39.506 139 5051 41.527 44,626 144,0201 39,506 Coiiied forward 41,527 39.506 Dèleirad income ieltsies 10 Itnl, s&Mctr choi9Ès. ￿mbe*s￿ ond c¢)ni1￿ inc£¥he where the choiity hos é¢Jined enii11trmtni 10 rh& incoma. 14 Fundi 2022 Oyning Bolonc• Inv•strn•nl Goini C105ing BoloDc• Exp•rthdilur• 8.529.t07 1.237.282 540.84 11,041.4221 1391,7101 26.915 7,643,321 1,204,IQ7 Unrastlicied- ievolutsiion iesetye Designoled- lQyr Moinlenonce PY Designaled- Charilable Projecls 1,570.( 1,570,0 939,235 1&).7651 rotol 1 ? 33b.889 54b.840 1364 7Q51 11 416.753 2021 Opening Bolon¢• Inveslrnenl Goins C105in9 Balon¢• IrKt)ffl• Exp•nditur• Unrestricted- general Unre31rictod evoluolion ieswve Designoled 8.579 034 1,385.J15 2,570.(KXI 504.305 11,CbS0.5101 506.778 1148,0331 8,529,607 1,237,282 2,570,0 Total 12534349 504 305 11.060.510) 358 745 12.336,889 15 Tru510•5' Remuneralpon and Expenses None nl Ihe Tru31ee3 received aiy rernuner01￿￿ thoiity erfkt in theit copo¢ity osTIvsiee QT in ony other ¢opo¢ity. None olThe Bridge Cenhol Truslees12021- 01 ieceived ieirnbuTSerneth d expen￿ Incuiied during the year ID cofineclioD with In9 expen5e5 ond meehngs ol £012021- £01. Meehn9 tosts of £52 weie iKurred by g truSt￿5d￿rIng the year12021 Meeling cosls ol £99 were Incurred by 6 I1v3￿es) Page.. 49