OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator.

2025-12-31-accounts

LEEDS BUILDING SOCIETY CHARITABLE FOUNDATION

Trustees Annual Report and Financial Statements 2025

Registered Company Number: 03724612

Registered Charity Number: 1074429

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees Annual Report and Financial Statements 2025 Contents

Contents
Reference and administratve details 2
Chair’s Statement 3-4
Trustee’s Report 5-18
Independent Examiner’s Report 19
Statement of Financial Actvites 20
Balance Sheet 21
Statement of Cash Flows 22
Notes to the Financial Statements 23-30
Appendices

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Reference and administratve details

Company number 03724612

Charity number 1074429

Registered ofce 26 Sovereign Street, Leeds, LS1 4BJ

Secretary Katy Hartley-Ross

Bankers Leeds Building Society, 26 Sovereign Street, Leeds, LS1 4BJ

Independent Examiner Third Sector Accountancy Limited, Holyoake House, Hanover Street, Manchester M60 0AS

Trustees

Trustees who served during the year and up to the date of this report were as follows:

Alison Scowen

Carla Marshall (Chair)

Christopher Bell (resigned 1 October 2025) Dominic Charkin Emma Woods-Bolger (resigned 4 March 2025) Mhairi Hides (appointed 25 June 2025) Nicola Glover Susan Moreland Thomas Boothman Seddon (appointed 16 July 2025) Timothy Steere (resigned 18 November 2025)

Trustees are also directors under company law.

Charity secretary

Imogen Graham (resigned 25 March 2026) Katy Hartley-Ross (appointed 26 June 2026)

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Chair’s Statement

A year in review

The Leeds Building Society Charitable Foundation is a grant making charity, funded by Leeds Building Society and its members. We provide funding, in the form of grants to UK registered charities that support people in need of a safe and secure home.

In 2025, we funded £456,321 in grants across our grant portfolio, supporting 61 charities across the UK.

Our purpose of supporting those in need of a safe and secure home, means that the majority of grants we award are to organisations in the housing and homelessness sector. Under our purpose, we prioritise three thematic areas: financial stress, security and refuge, and quality and suitability of housing. We also welcome applications that provide health and wellbeing support for those experiencing homelessness, if it’s part of wraparound support and the application meets at least one of the other criteria themes.

We have two grant schemes, which our purpose and funding priorities sit across. Our small grant scheme focuses on UK-based charities, and our large grant scheme focuses on charities based in Yorkshire and the North East.

A note from our Chair

It is wonderful to reflect on 2025 as another year of meaningful impact for the Leeds Building Society Charitable Foundation. We were delighted to receive an additional £100,000 from Leeds Building Society in 2025 to mark their 150[th] anniversary. This took our large grant funding allocation to £400,000 and allowed us to increase our support to charities across Yorkshire and the North East.

This year we were able to understand the impact of some of the first large three year grants we awarded at the end of 2022. It was fantastic to read the impact reports received from these organisations, the reports reinforced the impact of multi-year, large grant funding.

Trustees are mindful of considerable challenges facing the sector – rising costs, an increased demand for services and greater competition for grants and contracts – and with this in mind, we are continually refining our grant making criteria and application process to give those who apply the best chance of success. Our new, two-phase process of applicants first submitting a brief Expression of Interest and then only being asked to complete the full form if they meet all the Foundation’s criteria continued to work well and we hope saved charities vital time and energy which could be spent on frontline work.

Many of the large grants we award support specific audience groups, and trustees are keen to understand the particular issues they face. We welcomed one of our large grantees The Offploy Foundation, who support ex-offenders with housing and employment, to our annual strategy day. My fellow trustees continued to show great commitment and passion for the Foundation’s work and we welcomed Mhairi Hides and Thomas Seddon to the board. They bring excellent funding and public sector knowledge to the team and ensure our application assessment processes are stronger than ever. We were sorry to see

3

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Chair’s Statement

external trustee, Emma Woods-Bolger and internal Leeds Building Society trustees, Christopher Bell and Timothy Steere retire from the board as they moved onto new professional ventures. My thanks go to all of our trustees and the Foundation Secretary, Imogen Graham who helped to ensure 2025 was such a successful year for the Foundation.

Looking ahead to 2026, this will be my final year as Chair and I will be handing over the reins to a new Chair in June 2026.

Carla Marshall Chair

4

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Trustees’ annual report for the year ended 31 December 2025

The trustees, who are also the directors of Leeds Building Society Charitable Foundation for the purpose of company law, present their Annual Report together with the Financial Statements for the year ended 31 December 2025. Included within the trustees’ report is the directors’ report as required by company law. Reference and administrative information set out on page 2 forms part of this report.

The financial statements comply with current statutory requirements, the memorandum and articles of association and the Statement of Recommended Practice - Accounting and Reporting by Charities: SORP applicable to charities preparing their accounts in accordance with FRS 102.

Leeds Building Society Charitable Foundation (“the Foundation”) qualifies as a small company in accordance with s382(3) of the Companies Act 2006 and this report has been prepared in accordance with the provisions applicable to companies entitled to the small companies’ exemption, which includes an exemption from preparing a Strategic Report.

For the year ended 31 December 2025, the Foundation was entitled to exemption from audit under Chapter 3, Section 144 of the Charities Act 2011. In accordance with Section 145 of the Charities Act 2011, the trustees have elected for the Financial Statements to be examined by an independent examiner.

Objectves and actvites

The Foundation’s income is utilised for the purposes of achieving the objectives for which the Foundation was established as set out in the Foundation’s Memorandum and Articles of Association “to promote such purpose being exclusively charitable according to the law of England and Wales as the directors (“trustees”) of the Foundation shall from time to time determine and therefore the objects meet public benefit requirements.”

In 2022, it was decided that the Foundation’s main purpose and objectives needed to be much more tightly aligned with the Leeds Building Society’s corporate strategy as this would ensure a greater impact for the Foundation and the long-term support and sustainability of the Foundation.

The Foundation adopted the purpose of: ‘To support those in need of a safe and secure home’ as the Society is focused on helping its members to save money and buy a home. The Foundation changed its strategy from running a small grants programme, giving out £1,000 for capital needs to a wide range of charities across the UK, to developing a small and large grants strategy which would align very closely with the new purpose.

5

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

The trustees set two key objectives which have continued throughout 2025:

  1. To help many people across the UK to have a safe and secure home by funding registered charities which will support them to achieve this, and;

  2. To give additional support to people in need of a safe and secure home in Yorkshire and the North East by funding locally-based registered charities in these areas which will support them to achieve this.

Objective 2 was established as Leeds Building Society’s Head Office is in Leeds and its Contact Centre Team is located in Newcastle. Both Yorkshire and the North East also have a number of branches and the Society is particularly imbedded in these local communities.

In order to achieve the Foundation’s two key objectives, the trustees have a large and small grantmaking programme so that the Foundation can support charities and people in need across the country (with its small grants programme), as well as having a deeper impact in Yorkshire and the North East (through its large grants programme).

The Foundation’s additional core objective for 2025 was:

  1. Safeguard £300,000 of funding for the next three years (2026 – 2029).

Strategy & approach for achieving objectives

The first two objectives have been achieved this year by maintaining our small and large grant-making programmes and the third has been accomplished due to the strong relationship between the Society and Foundation staff and the Foundation trustees, which is explained later in this report.

Public beneft

The trustees have referred to the guidance contained in the Charity Commission's general guidance on public benefit when reviewing the charity's aims and objectives and in planning its future activities. In particular, the trustees consider how planned activities will contribute to the aims and objectives that have been set.

6

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Achievements and performance

Beneficiaries of our services

For the year under review, small grants totaling £40,063 were awarded to 42 registered charities and large multi-year grants of £382,294 were awarded to eight registered charities. Thanks to an additional donation from Leeds Building Society to mark their 150[th] anniversary, the Foundation was able to award an additional £100,000 in large grants.

The Foundation’s large grants focus in Yorkshire or the North East allows us to support areas close to Leeds Building Society’s core locations in Leeds and Newcastle and connect our colleagues with local volunteering opportunities. We ensure that the majority of our trustees live and work within these areas and have an understanding of the need and demands of the local community. Location-based funding also allows the Foundation to manage demand and improve our application success rate.

Across our large grant portfolio in 2025, we supported the following charities in Yorkshire and the North East:

7

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Some of the key outcomes and thanks for our 2025/26 large grants:

8

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

house mental health team for additional support. In Year 1, we worked directly with 47 individuals through one-to-one tenancy support and indirectly, around 130 family members and dependents benefitted from the improved housing stability and reduced stress that came with it.”

9

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

“We would like to express our sincere gratitude for your continued support. The Leeds Building Society Foundation was one of the first funders to offer us multi-year funding, which has played a vital role in making our charity more stable and better equipped to confidently help our community obtain safe and secure housing. Since then, our organisation has grown significantly – both geographically and in the range of services we provide. We have also expanded our work with young people and families. Thank you once again for your belief in our work.”

Some of the key outcomes and thanks for our 2025/26 small grants:

All of the reports received from large and small grant recipients were closely reviewed by the Foundation Secretary and trustees and this ensured that we are meeting our two key objectives:

10

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

  1. To help many people across the UK to have a safe and secure home by funding registered charities which will support them to achieve this, and;

  2. To give additional support to people in need of a safe and secure home in Yorkshire and the North East by funding locally-based registered charities in these areas which will support them to achieve this. Learning and adapting to ensure a strong performance

The Foundation trustees and Secretary continued to focus on ensuring the purpose and objectives were being met, whilst also adapting to changes within the charity sector so that we are creating a positive experience when it comes to applying for funding from the Foundation.

During 2025 there were a number of management and staff changes within Leeds Building Society and so the trustees of the Foundation worked hard to ensure that the Secretary felt supported and was also given additional capacity support to deliver the Foundation’s work. The Foundation ensured it was ‘business as usual’ and maintained its funding, supporting 50 charities in total, and in turn thousands of people in need of a safe and secure home.

To safeguard the partnership between the Society and the Foundation, the Foundation Secretary worked relentlessly throughout 2025 to ensure a new Framework Agreement was drafted and agreed. This will be signed off in 2026 and is a significant step forward. In 2026, a key priority for the trustees and Secretary will be to develop the Foundation’s operating policies and introduce a Risk Register.

This year’s addition of a new North East based trustee, who has in-depth knowledge of the geographical area and the charity sector, bolstered the board even further so that collectively its Yorkshire and North East knowledge is first class. This ensured the Foundation selected charities which are supporting those most in need and are working in areas with high levels of deprivation. The trustees also put more emphasis this year on prioritising geographical areas which the Foundation hasn’t funded before.

Always striving to achieve best practice and taking learnings from Yorkshire Funders, throughout 2025 the Foundation reviewed and addressed its application ‘success rate’. As frontline charities are so hard pressed for time and are trying to help more people than ever, it is vital that funders do what they can to avoid wasting applicants’ time and aim for a strong success rate which is often considered as funding 50% or more of all applicants. The Foundation introduced a new Expression of Interest form to reduce the time spent by charities on applications but also enabling the Foundation Secretary to exclude ineligible applications at an earlier stage.

In 2025, the Foundation’s overall success rate was 36.5%, there were a total of 50 awarded grants from 137 submitted applications.

11

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

In 2025 the trustees also decided to change income criteria for the large and small grants programmes. For large grants this moved down to a £1m turnover and for small grants it went from £1m to £500K. Having reviewed the last couple of years of approved grants, it was clear to see that the trustees were mainly approving smaller charities across both programmes, due to the increased impact we felt the funding could have on a smaller charity in comparison. This change meant that charities with incomes over the threshold weren’t going to waste time by applying to the Foundation.

Constantly learning and listening to charities, the Foundation also made sure that its criteria are clearer on the Foundation’s website page to ensure only eligible charities apply and that their application is as strong as possible. The demand for Foundation funds is set to continue to rise due to the financial and political climate in the UK, therefore it is important that we adapt and make changes that help charities and give the Foundation a stronger application success rate.

12

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Financial Review

The principal financial risks and uncertainties facing the Foundation are income and funding instability if Leeds Building Society was to stop funding the charity, alongside the risks discussed in the Risk Management section of Structure, Governance & Management. The Foundation’s only source of funding comes from Leeds Building Society in the form of 3 annual donations, as explained below in the Going Concern section. To mitigate this, the charity and Leeds Building Society are currently working on a Framework Agreement, this agreement will guarantee the annual donation from the Society and therefore remove any existing risk and uncertainty around future funding. These funds allow the charity to support people in need of a safe and secure home, by providing grants in line with our criteria and charitable objectives.

The charity holds no restricted funds at the end of the financial year. The Foundation recognises a contingent liability of £251,058 in the accounts (2024: £286,315), which relates to large grants payable in 2026 and 2027, subject to grantees complying with certain conditions.

Reserves Policy

It is the policy of the Foundation to maintain unrestricted funds, which are the free reserves of the Foundation at a level that enables the Foundation to continue fulfilling objectives. A full reserves policy has not been necessary in the past due to the charity’s size. However, it has been agreed with Leeds Building Society, who is our sole funder, that moving forward into 2026 the Foundation will hold £5,000 in unrestricted funding each year to cover the cost of things such as: training, memberships and events. The Foundation does not have any overhead costs as these are provided in kind by the Society, therefore the Foundation does not need a reserves policy beyond what is outlined here. Any additional unrestricted funds include amounts otherwise committed for multi-year grant payments in future years. At 31 December 2025 the unrestricted funds were £116,855 (2024: £93,707).

There was a total income of £533,669 (2024: £407,785) and a total expenditure of £510,521 (2024: £389,663) resulting in a surplus for the financial year of £23,148 (2024: surplus of £17,772).

Plans for the future

The trustees will continue the strategic approach to the Foundation’s grant making, in line with its purpose ‘to support people in need of a safe and secure home’. The Board has agreed meeting dates in 2026 for March, June, October and December. A strategy day has been agreed for September as part of the trustee’s continued commitment to training and best practice. As well as having the Framework Agreement signed off, key policies and a Risk Register being established, the Foundation will be doing more work on the measurement and evaluation of its larger grants.

13

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Going Concern

The activities of the Foundation are dependent upon the future level of funding received. In April 2025, the Foundation received a donation of £400,000 from the Society. This donation included the agreed annual amount of £300,000 and additional donation of £100,000 to mark 2025 as the 150[th] year of Leeds Building Society. The Foundation also received a donation of £9,444 in June 2025 on behalf of members of the Society who voted in the Society’s AGM. During the financial year the charity was also awarded £61,632 from the ‘Your Interest in Theirs’ (YIIT) members scheme, to be deposited in 2026.

The Foundation does not have any overhead costs, as all overhead costs are met by the Society as an in-kind donation. The trustees agreed to set aside £4,381 in unrestricted funding to cover training costs in 2025 and as mentioned above, moving forward into 2026 and beyond this will be £5,000 agreed with Leeds Building Society in the Framework Agreement.

The trustees have a reasonable expectation that the Foundation has adequate resources to continue in operational existence for the 12 months from the date of signing the financial statement. A review of the Framework Agreement between the Society and the Foundation is currently being undertaken and will guarantee the annual donation for the Foundation. Thus, the trustees have adopted the going concern basis of accounting in preparing the Trustees’ Report and Financial Statements.

14

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Structure, Governance and Management

Governing Document

The Foundation is a charitable company limited by guarantee, incorporated and registered as a charity on 26 February 1999. The Foundation was established under a Memorandum and Articles of Association which established the objects and powers of the Foundation. It was established, pursuant to a Framework Agreement between the Foundation and Leeds Building Society (“the Society”). The Society is considered to be the Foundation’s only related party and it is complementary to and supportive of the Foundation’s objectives.

Appointment of Trustees

The Articles of Association state that the number of trustees shall be not more than nine, and no more than three may be directors, officers or employees of the Society. Any such appointment is made by notice in writing signed on behalf of the Society and takes effect when the notice is lodged at the office of the Foundation or produced at any meeting of the board of trustees. Each of the remaining trustees, who must not be connected to the Society, may be proposed by the other trustees and appointed by resolution passed at a meeting of the Board subject to approval by the Society. The trustees are the directors of the Foundation.

Each new trustee was given an induction with the Foundation Secretary and the Chair met them before their first board meeting to ensure they felt comfortable and confident. There is no formal, ongoing trustee training in place, however the trustees have taken part in an annual strategy day since 2023. In 2025, the trustees had two sessions as part of their strategy day. The trustees had a session from one of our large grantees, The Offploy Foundation who delivered a session on the criminal justice system and challenges in housing and employment faced by ex-offenders. The other session was delivered by The Centre for Social Justice Foundation, who delivered a session on social and community challenges in Yorkshire and the North East. One or more of the trustees and the Secretary attended training and the annual conference hosted by the Yorkshire Funders and fed back on current matters to the other trustees via the trustee meetings.

The Trustees did not receive any remuneration or any other benefits from the Foundation during the current or prior year.

Organisational Structure

The board of trustees administers the Foundation. To facilitate effective operations the trustees have delegated authority, within terms of delegation approved by the trustees, for operational matters to the Foundation Secretary.

15

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Risk Management

The trustees have examined the major strategic business and operational risks which the Foundation faces and confirm that processes have been established to enable the necessary steps to be taken to reduce the impact of those risks. The key risks are the financial risk of misappropriation of funds, the operational risk of inappropriate donations being made, and the reputational risk of donations being made to a charity that does not meet the grant making criteria. The Trustees monitor these risks closely and consider the controls in place to mitigate the risks to be appropriate.

Following detailed due diligence procedures, the trustees review all funding applications and confirm they are compliant with the Foundation’s grant making criteria. The trustees then approve the payment of charitable donations depending on the strengths of the application and how closely it aligns to the Foundation’s purpose, to support people in need of a safe and secure home, taking into account the funds available.

16

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Grant-making policy and how decisions are made

The Foundation’s small grant programme is for UK-registered charities with a turnover of under £1,000,000. Applicants can apply for a small grant between £250 to £1,000 for capital expenditure relating to practical items and equipment for charities that meet the purpose.

The large grant programme is a minimum grant of £25,000 to a maximum of £100,000 split across one, two or three years. The large grant funds core, project and/or capital costs for new or existing work by a UK-registered charity. The trustees accept applications from charities based in, or delivering work in Yorkshire and/or the North East of England to align with the Society’s Head Office and Contact Centre locations.

For both small and large grants, the trustees have three criteria themes that applications need to align to: quality and adequacy of housing, financial stress, and security and refuge. Applications can also apply under the theme ‘Health and wellbeing support for those experiencing homelessness’ if it’s part of wraparound support and the application also meets at least one of the other themes.

The Foundation takes guidance from Homeless Link, who they are a member of, for best practice in the housing and homelessness sector. This means that the trustees look for applicants who take a Housing First approach and/or a relationship-based approach to their services.

The trustees meet four times a year to consider requests for funding in March, June, October and December. The Foundation Secretary reviews all the Expressions of Interest for the large grants and carries out telephone or Teams calls with some of them to find out more and another member of the Foundation staff team reviews all of the small grant applications. The Foundation staff team then use scoring guides to shortlist the large grants (Appendix 1) and small grants (Appendix 2) for the trustees to review.

For the small grants, the trustees are then sent the applications split into Yes’s, Maybe’s and No’s. The trustees review all of these before each meeting and then at the meeting the Yes’s and Maybe’s are discussed in depth and the trustees will mention any No’s that they would like to be discussed. During 2025, at each meeting, between 6 and 13 small grants were approved.

For the large grants, the Foundation Secretary creates a shortlist and the trustees have an in-depth discussion to agree on which to fund. During 2025, 1-3 large grants were approved at each meeting.

17

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Trustees’ annual report for the year ended 31 December 2025

Statement of responsibilites of the trustees

The trustees (who are also directors of Leeds Building Society Charitable Foundation for the purposes of company law) are responsible for preparing the trustees’ annual report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that period. In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charitable company and enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The trustees are responsible for the maintenance and integrity of the corporate and financial information included on the charitable company’s website. Legislation in the United Kingdom governing the preparation and the dissemination of financial statement may differ from legislation in other jurisdictions.

The trustee’s annual report has been approved by the trustees on 06 / 07 / 2026 and signed on behalf of the board by the Chair.

Carla Marshall Chair

18

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Independent examiner’s report to the trustees for the year ended 31 December 2025

I report on the accounts of the charity for the year ended 31 December 2025 set out on pages 20 to 30.

Respectve responsibilites of trustees and examiner

The charity's trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year under section 144 of the Charities Act 2011 (“the Charities Act”) and that an independent examination is needed. The charity’s gross income exceeded £250,000 and I am qualified to undertake the examination by being a qualified member of The Institute of Chartered Accountants of Scotland.

It is my responsibility to:

Basis of independent examiner’s statement

My examination was carried out in accordance with general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented 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 no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.

Other maters

Your attention is to drawn to the fact that the charity has prepared the accounts (financial statements) in accordance with Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has been withdrawn.

We understand that this has been done in order for the accounts to provide a true and fair view in accordance with the Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2015.

Independent examiner's statement

In connection with my examination, no matter has come to my attention:

  1. which gives me reasonable cause to believe that, in any material respect, the requirements:

  2. to keep accounting records in accordance with section 130 of the Charities Act; and

  3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act

have not been met; or

  1. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Kate Adderley CA

Third Sector Accountancy Limited Holyoake House, Hanover Street, Manchester M60 0AS

13 / 07 / 2026

19

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Statement of Financial Activities including Income and Expenditure account for the year ended 31 December 2025

Note
Income from:
Donatons and legacies
3
Investments
4
Total income
Expenditure on:
Charitable actvites
5
Total expenditure
Net income/(expenditure) for the year
6
Reconciliaton of funds
Total funds brought forward
Total funds carried forward		 2025
£
528,054
5,615
533,669
510,521
510,521
23,148
93,707
116,855		 2024
£
401,725
5,660
407,385
389,663
389,663
17,722
75,985
93,707

All funds are unrestricted.

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

20

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation Company number 3724612

Balance sheet as at 31 December 2025

Balance sheet as at 31 December 2025
Note
2025
£
£
Current assets
Debtors
10
61,632
Cash at bank and in hand
87,364
Total current assets
148,996
Liabilites
Creditors: amounts falling
due in less than one year
11
(32,141)
Net assets
116,855
The funds of the charity:
Unrestricted income funds
13
116,855
Total charity funds
116,855		 2024
£
£
52,075
99,245
151,320
(57,613)
93,707
93,707
93,707
93,707
93,707
93,707

For the year ended 31 December 2025 the Foundation was entitled to exemption from audit under Chapter 3, Section 144 of the Charities Act 2011. In accordance with Section 145 of the Charities Act 2011 the Trustees have elected for the Financial Statements to be examined by an independent examiner.

For the year in question, the company was entitled to exemption from an audit under section 477 of the Companies Act 2006 relating to small companies.

Directors' responsibilities:

These accounts are prepared in accordance with the special provisions of part 15 of the Companies Act 2006 relating to small companies and constitute the annual accounts required by the Companies Act 2006 and are for circulation to members of the company.

The notes on pages 23 to 30 form part of these accounts.

Approved by the trustees on ____ and signed on their behalf by:06 / 07 / 2026

Carla Marshall (Chair)

Nicola Glover (Trustee)

21

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation Company number 3724612

Statement of Cash Flows for the year ending 31 December 2025

Note
2025
£
Cash provided by/(used in) operatng actvites
15
(17,496)
Cash flows from investing activities:
Dividends, interest, and rents from investments
5,615
Cash provided by/(used in) investng actvites
5,615
(11,881)
Cash and cash equivalents at the beginning of the year
99,245
Cash and cash equivalents at the end of the year
87,364
Increase/(decrease) in cash and cash
equivalents in the year		 2024
£
(131,664)
5,660
5,660
(126,004)
225,249
99,245

22

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025

1 Accountng policies

The principal accounting policies adopted, judgments and key sources of estimation uncertainty in the preparation of the financial statements are as follows:

a Basis of preparaton

The financial statements have been prepared in accordance with Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued in October 2019 - (Charities SORP (FRS 102), the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

Leeds Building Society Charitable Foundation meets the definition of a public benefit entity under FRS102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy note.

The financial statements are presented in sterling which is the functional currency of the charity and rounded to the nearest £ sterling.

b Judgments and estmates

Key judgments and estimates which the trustees have made which have a significant effect on the accounts include:

Accounting estimates for the valuation of donated services. More detail is given in notes 1(e), 5 and 8.

When to recognise grant liabilities. More detail is given in notes 1(h) and 16.

c Preparaton of the accounts on a going concern basis

The trustees consider that there are no material uncertainties about the charitable company's ability to continue as a going concern.

d Income

Income from grants and donations is recognised when the charity has entitlement to the funds, any performance conditions attached to the item(s) of income have been met, it is probable that the income will be received and the amount can be measured reliably. All donations and legacies are from the Society and its members.

Investment income represents income receivable from short term deposits.

23

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

e Donated services and facilites

Donated professional services and donated facilities are recognised as income when the charity has control over the item, any conditions associated with the donated item have been met, the receipt of economic benefit from the use by the charity of the item is probable and that economic benefit can be measured reliably. In accordance with the Charities SORP (FRS 102), general volunteer time is not recognised; refer to the trustees’ annual report for more information about their contribution.

On receipt, donated professional services and donated facilities are recognised on the basis of the value of the gift to the charity which is the amount the charity would have been willing to pay to obtain services or facilities of equivalent economic benefit on the open market; a corresponding amount is then recognised in expenditure in the period of receipt.

f Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the Bank.

g Fund accountng

Unrestricted funds are available to spend on activities that further any of the purposes of charity.

Designated funds are unrestricted funds of the charity which the trustees have decided at their discretion to set aside to use for a specific purpose.

Restricted funds are donations which the donor has specified are to be solely used for particular areas of the charity’s work or for specific projects being undertaken by the charity. The charity has no restricted funds.

h Expenditure and irrecoverable VAT

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably.

Grant expenditure represents donations to registered charities approved by the Trustees and is recognised when communicated to the recipient in line with the SORP. Where there are annual reviews upon which future grants are conditional, these future payments are not recognised as a liability until all conditions are met.

Irrecoverable VAT is charged as a cost against the activity for which the expenditure was incurred.

i Cash at bank and in hand

Cash at bank and cash in hand includes cash and short term highly liquid investments with a short maturity of three months or less from the date of acquisition or opening of the deposit or similar account.

24

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

j Creditors and provisions

Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount.

k Financial instruments

The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value.

2 Legal status of the charity

The charity is a company limited by guarantee registered in England and Wales and has no share capital. In the event of the charity being wound up, the liability in respect of the guarantee is limited to £1 per member of the charity. The registered office address is disclosed on page 1.

3 Income from donatons and legacies

Donatons
Donatons in kind
Total		 2025
£
471,076
56,978
528,054		 2024
£
357,509
44,216
401,725

4 Investment income

All of the charity's investment income arises from money held in interest bearing deposit accounts. All investment income is unrestricted.

25

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

5 Analysis of expenditure on charitable actvites

All grants were made to institutions, not individuals.

2025
£
Grants payable
Small
Educaton / advice
1,000
Security / refuge
8,000
Health
949
Financial stress
18,330
Quality and adequacy of housing
6,780
Total grants payable
35,059
Governance and Support costs
Governance
Independent exam, accounts
Trustee expenses
Legal fees
Support
Staf costs
Computer sofware and IT costs
Training
Ofce costs
Events
Membership
Total governance and support costs
Total expenditure (grants payable and support costs)		 2025
£
Large
-
131,567
-
24,692
260,093
416,352
2025
£
3,600
203
4,000
42,342
6,210
1,500
27
596
632
59,110
510,521		 2024
£
Small
2,000
4,897
11,329
11,740
16,893
46,859
2024
£
3,600
-
-
33,176
6,210
500
27
603
600
44,716
389,663		 2024
£
Large
63,117
112,142
-
25,000
97,829
298,088

All expenditure is unrestricted.

Support costs were paid on the Foundation's behalf by the Society as follows: £3,600 accounts and independent exam fee; £4,000 legal fees; £6,210 for the grant management system; £27 for office costs (printing and postage); £596 for events; and £203 for trustee expenses. Staff time donated was estimated at £42,342 for the year.

26

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

6 Net income/(expenditure) for the year

This is stated afer charging/(creditng): 2025 2024
£ £
Accountancy fees (funded by the Society) 1,800 1,800
Independent examiner's fee (funded by the Society) 1,800 1,800

7 Staf costs

The average number of staff employed during the period was nil (2024: nil), and no recharges have been made by the Society for the service of its employees.

Administration services are provided by the Society free of charge and an estimate of the value of the donated services has been calculated in 2025 and included in the accounts.

Since all administration services are provided by the Society, there are no key management personnel beyond the Trustees and therefore no disclosure of key management personnel remuneration is given.

8

Trustee remuneraton and expenses, and related party transactons

Neither the management committee nor any persons connected with them received any remuneration during the year (2024: £nil).

One trustee received reimbursed travel expenses during the year of £45 (2024: £9), and three trustees received small gifts on stepping down with a total value of £158 (2024: nil) in recognition of their services.

During the year, the Foundation received donations of £400,000 (2024: £300,000) from the Society.

The charity also received £61,632 (2024: £52,075) from the Society’s ‘Your Interest in Theirs’ scheme, being donations from the Society's members. AGM incentive schemes and survey donations of £9,444 were also received (2024: £5,434), these were donations from the Society under a membership voting scheme.

The Society paid for various support costs on the Foundation’s behalf and provided staff support for free. The total value has been estimated at £56,978 this year (2024: £44,216).

Aside from the above, no trustee or other person related to the charity had any personal interest in any contract or transaction entered into by the charity, including guarantees, during the year (2024: nil).

9

Corporaton tax

The charity is exempt from tax on income and gains falling within Chapter 3 of Part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its charitable objects. No tax charges have arisen in the charity.

27

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

10 Debtors

10
Debtors
Accrued income
11
Creditors: amounts falling due within one year
Grants payable
12
Grants awarded to insttutons		 2025
£
61,632
61,632
2025
£
32,141
32,141		 2024
£
52,075
52,075
2024
£
57,613
57,613

During the year the charity awarded large grants to the following institutions:

Triangular CIO
The Moses Project
The Snowdrop Project
Cornerstone Housing
Key Community
Leeds GATE
Internatonal Community Organisaton Sunderland
Street Paws
Simon on the Streets
Moving On Durham
Ivison Trust
Safe and Sound Homes
Behind Closed Doors
Leeds Asylum Seekers’ Support Network
Joanna Project
Bradford Night Stop
Hull Lighthouse
YWCA Yorkshire
Total grants awarded		 2025
£
12,000
10,000
15,000
15,000
24,692
23,000
14,183
20,000
28,528
30,000
34,745
37,095
17,498
46,915
18,000
24,713
22,842
22,141
416,352

28

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

13 Analysis of movement in unrestricted funds

General fund
Designated fund
Comparative period
General fund
Designated fund		 £
86,707
7,000
93,707
£
64,397
11,588
75,985
Balance at 1
January 2025
Balance at 1
January 2024		 Income
£
533,669
-
533,669
Income
£
407,385
-
407,385		 Expenditure
£
(503,521)
(7,000)
(510,521)
Expenditure
£
(378,075)
(11,588)
(389,663)		 Transfers
£
(14,953)
14,953
-
Transfers
£
(7,000)
7,000
-		 £
101,902
14,953
As at 31
December
2025
116,855
£
86,707
7,000
As at 31
December
2024
93,707

Name of Descripton, nature and purposes of the fund unrestricted fund General fund

The free reserves after allowing for any designated funds

Funds set aside for small grants agreed by the committee to be paid within 12 Designated fund months, but not yet communicated to applicants

29

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundation

Notes to the accounts for the year ended 31 December 2025 (continued)

14 Analysis of net assets between funds

Net current assets/(liabilites)
Total
Comparative period
Net current assets/(liabilities)
Total		 General
fund
£
101,902
101,902
General
fund
£
86,707
86,707		 Designated
funds
£
14,953
14,953
Designated
funds
£
7,000
7,000		 Total 2025
£
116,855
116,855
Total 2024
£
93,707
93,707

15 Reconciliaton of net movement in funds to net cash fow from operatng actvites

Net income/(expenditure) for the year
Adjustments for:
Decrease/(increase) in debtors
Increase/(decrease) in creditors
Net cash provided by/(used in) operatng actvites		 2025
£
17,533
(9,557)
(25,472)
(17,496)		 2024
£
12,062
(11,820)
(131,906)
(131,664)

16 Contngent liability

The charity recognises a contingent liability of £251,058 in the accounts (2024: £286,315). This relates to large grants payable in 2026 and 2027, subject to grantees complying with certain conditions. Compliance with the conditions is not within the charity's control. The commitment is to be met with secured future revenues.

30

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Leeds Building Society Charitable Foundaton Large Grant Scoring Matrix

There are 5 main scoring areas:

  1. Purpose and funding themes

  2. Beneficiaries and impact

  3. Community need

  4. Feasibility and success

  5. Value for money and sustainability

Each section is marked out of 5, with the total score being 25.

Scoring guidance:

1 Applicaton failed to meet the requirements of the secton. The quality of responses was
unacceptable. No evidence wasprovided.
2 Applicaton met a small number of the requirements for the secton. The quality of
responses waspoor. Limited evidence wasprovided.
3 Applicaton generally met the requirements of the secton. The quality of the responses
was average. Some evidence wasprovided.
4 Applicaton mostly met the requirements of the secton. The quality of the responses
wasgood. Good evidence wasprovided.
5 Applicaton met all of the requirements of the secton. The quality of the responses was
highqualityand comprehensive. Strongevidence wasprovided.

Purpose and funding themes

5 4-3 2-1
5: There is strong and clear
alignment to purpose and
the funding themes. This has
been addressed well in the
applicaton.		 3:There is some alignment to
purpose and the funding
themes. This has been
somewhat addressed in the
applicaton.
4: There is alignment to
purpose and the funding
themes and this has been
mostly addressed in the
applicaton.		 1: There is no alignment to
purpose and no themes are
addressed. (STOP scoring
form here).
2:There is limited alignment
to the purpose and funding
themes.
Score:
Comments:

Page 1 of

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Benefciaries and impact

5 4-3 2-1 5: The application shows that 3: The application has 1: There are no clear target the project has a clearly somewhat made clear who beneficiaries and the impact identified target audience the project or service will of the project or service is and addresses why it is support and why. There is unclear. working with this audience. some explanation of how 2: The application has limited The application makes clear they will support them and understanding of who the that they will be working with what impact they are looking service or project will harder to reach groups and to make. support and the impact is addresses how they are 4: The application is clear unclear. engaging with them. The who the project or service organisation has previous will support and how they success with working with will engage with that this audience and is well audience. The application established with the group it clearly addresses the impact intends to support. it will have on beneficiaries, and why this audience is vulnerable or harder to reach. Score: Comments:

Page 2 of Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Community need

5 4-3 2-1
5: The applicaton shows
strong understanding of local
need and has provided
comprehensive evidence to
address this. They are well
established
in
their
community and have a
network of local partners.
They clearly explain where
their services ft in with the
provision of other services.
They have a strong
understanding
of
benefciaries’ needs and
have
undertaken
comprehensive consultaton
to shape their service and
project to meet their needs.		 3: The applicaton shows
some understanding of the
need of the area and the
benefciaries.
Some
consultaton has taken place
and there is some demand
for the project/service.
4: The applicaton shows
good understanding of local
need and has addressed this
in the applicaton with
evidence. They have noted
any local partners they have
and explained how the
service or project works in a
local context. There is good
understanding of the need of
benefciaries and how they
have
consulted
with
benefciaries to meet their
needs.		 1: The applicaton does not
show understanding of the
need of the area or the
benefciaries.
No
consultaton has taken place
and there are no local
partners.
2: The applicaton shows
limited understanding of the
need of the area and the
benefciaries.
Limited
consultaton has taken place
and the organisaton has
limited
partners
or
connectons in the area.
Score:
Comments:

Page 3 of Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Feasibility and success

5 4-3 2-1
5: The organisaton has
strong evidence of their
experience and ability to
deliver the project/service.
They are well established and
have the fnancial resources
in place to deliver the
project. They have strong
success with funders and a
clear fundraising plan. There
is clear impact measurement
in place.		 3:
The organisaton is
somewhat set up to deliver
the project/service and has
provided some evidence of
previous delivery. There is
some evidence of how they
will measure impact. There is
some evidence of funding
and there is a limited plan to
cover the costs if needed.
4: The organisaton has a
clear plan to deliver the
service/project and has good
evidence of their experience
and capability to deliver.
There is good evidence of
previous funders and clear
fnance in place to meet the
balance if needed. There are
good impact measurements
inplace.		 1:The organisaton is not set
up to deliver the project and
there is no evidence of
funding for the service. There
is no evidence of how they
will measure impact.
2: The organisaton has
limited experience delivering
this type of service or
project. There is limited
evidence of how they will
fund the project/service.
There is limited evidence of
how they will measure
impact.
Score:
Comments:

Page 4 of Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Value for money and sustainability

5 4-3 2-1
5: The project/service is
excellent value for money
and the budget is clear,
comprehensive and realistc.
The project or service will be
sustainable afer the funding
period.		 3:
The project/service
represents some value for
money and the budget
makes sense. There is a
limited plan to make the
project/service sustainable
beyond the funding period.
4:The project/service is good
value for money and the
budget is clear and realistc.
There is a clear fundraising
plan to ensure the
service/project is sustainable
afer the funding period.		 1: The project/service does
not represent value for
money. The budget is unclear
and the costs are unrealistc.
2:The project/service budget
is limited and the costs are
unclear. The project/service
does not seem sustainable.
Score:
Comments:

Overall score and summary

Score: Summary:

Page 5 of Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 1 – Large Grant Scoring Matrix

Large Grant App:

Purpose and funding themes

Score (out of 5) Comments

Benefciaries and impact

Score (out of 5) Comments

Community Need

Score (out of 5) Comments

Feasibility and success

Score (out of 5) Comments

Value for money and sustainability

Score (out of 5) Comments

Overall score and summary

Score: Summary:

Page 6 of

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

v1

Leeds Building Society Charitable Foundaton Appendix 2 – Small Grant Scoring Matrix

Small Grant Scoring Form

Use this form to score and shortlist small grant applications

Small grants - scored out of 60 Alignment Score

How closely do the charity’s main activities align with the Foundaton’s purpose, ‘to support people in need of a safe and secure home’?

0 = The charity doesn’t meet the Foundation’s criteria and/or the primary funding involves:

Score - Alignment to purpose 0 5 10 15

b. Animal welfare projects

c. Medical research

e. Scouts/guides/cadets

Stop assessing from here if they don’t meet the criteria.

5 = There’s limited correlation between the charity’s activities and the Foundation’s purpose and/or the charity is affiliated to a franchise (E.g. a local branch of a national charity)

10 = The charity’s activities align to the Foundation’s purpose to support those in need of a safe and secure home.

15 = The charity’s activities directly link to the Foundation’s purpose to support those in need of a safe and secure home.

Page 7 of

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 2 – Small Grant Scoring Matrix

Impact Score

How directly will the project improve the lives of the charity’s beneficiaries?

0 = The project provides no direct benefit and may include:

Stop assessing from here if they don’t meet the criteria.

5 = The project would provide limited benefit or enable the charity’s beneficiaries to access further support.

Score - Impact

0 5 10 15

10 = The project demonstrates a direct benefit and will make a material difference to the lives of beneficiaries.

15 = The project demonstrates a direct benefit and is highly targeted towards the beneficiaries’ needs.

Funding Score

Does the funding applied for cover at least 20% of the project’s cost?

0 = The funding would cover 20% or less of the project’s cost. 5 = The funding would cover at least 20% or more of the project’s cost.

Score - Does the funding applied * for cover at least 20% of the project’s cost?

0 5

Page 8 of Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 2 – Small Grant Scoring Matrix

Project Cost Score

Has the charity raised at least 50% of the total required? 0 = The

charity has raised no funds or less than 50%.

5 = The charity has raised 50% or more of the project’s total cost

Score - Has the charity raised at * least 50% of the total required?

0 5

Turnover Score

Overall project cost as a % of turnover. 0 =

50%

5 = <50%

Page 9 of

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 2 – Small Grant Scoring Matrix

Score Beneficiaries

Number of Beneficiaries 0 = <5

5 = 5-20 10 = 20-50 15 = >50

Page 10

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b

Leeds Building Society Charitable Foundaton Appendix 2 – Small Grant Scoring Matrix

Score - Number of beneficiaries. 0 5 10 15 Total Score 0

Reviewer Comments/Summary

Page 11

Doc ID: 34592b40b9dae559d95b2f95035b736991e56e7b