2026-03-31-accounts

Company number.. 03324794 Charlty Nurnber.. 1082 193 East End Citizens Advice Bureaux (A company limited by guarantee) Report and financial statements For the year ended 31 March 2026

East End auzen5 Advlce Bureaux Contents For the year ended 31 March 2026 Reference and admlnlstratlve Informatlon Trustees, annual report Independent audiior's report Statement of flnanclal actmtles (Incorporatlng an Income and expendSture account) Balance sheet Statement of cash flows ....,............................................. ................................ . .. Note5 to the flnanclal statements .23 .24 .2S .26

East End Cltlzens Advlce Bureaux Reference and admlnlstratfve Informatlon For the year ended 31 March 2026 Company number 03324794 Charlty number 1082193 Re9lstered offlce and operatlonal address 300 Mare Street London E81HE Country of reglstratlon England & Wales Country of Incorporatlon Unired Klngdom Trustee5 Trustees. who are also dlrectors under company law. who served during the year and up to the date of thls report weve as follows.. Chalr Co-chalrs Mudda55ar Ahmed Ireslgned a5 Chalr 5 May 2026) Meena Chavda (appointed 5 May 20261 James Peters lappolnied 5 May 2026 Jtnnlfer Chung (resigned as Vice Chalr and Trustee 25 February 2026) Lucy Freeman Parker (reslgned as Vlce Chalr and Trustee 26 March 20261 Jolnt Vlce Chalrs John Bolltho CounclllDr Sade Etti lappointed 2919125, Hackney Councillor to 7 May 20261 Paul Everltt Ire51gned 4 December 20251 Denise Halton Davld Ross JP Ireslgned l O Juty 20261 Nichola5 Smith Sharmln Takln Zoe Wilklns Secretary Yasmln Alam Key management personnel Yasmln Alam Rashld Seedat Mlles Metcalfe Louise Sklnner Chief Executive Project manager IT manager Flnance manager

East End Cltlzens A(fvlce Bureaux Reference and admlnlstratlve Informatoon For the year ended 31 March 2026 Bankers Bar¢lay5 Bank plc The Holloway & Kingsland Group PO Box 3628 London E8 2JX Audltor RPG Crouch Chapman LLP Chanered Accountants and Statutory Audltor 40 Gracechurch Street LONDON EC3V OBT

East End Cltlzens Advice Bureaux Trustees, annual report For the year ended 31 March 2026 The trustées (who are also dirèctors of the charitable company for the purpose5 of the Companies Act) present thelr report and the audlted flnancial statements for the year ended 31 March 2026. Reference and administratlve Information set out on page5 1 and 2 form5 part of thi5 report. The flnanclal statements comply v4ith current statutory requlrewnents. the memorandum and article5 of association and the statement of Recommended Practice - Accountlng and Reporring by Charltles.. SORP applicable to charities pieparln9 thtlr accounts in accordance with FRS 102 (effective T January 20191. Slnce the company qualifies as small under sectlon 383. the strategic report required of medium and large compaDie5 under the Companles Act 2006 (Strategic Report and DlrectOf5' Report Regulations 20131 Is not n@Èded. Our vlslon, aims, objectives, and activities Vlslon and aims Our vlslon is to provide high quality, holistlc advlce and inforwnation services to empower and enable the resldent5 of Hackney. Newham and Tower Hamlet5 to improve their wellbeing. We provide free. Sndependent. confidentlal and Impartlal advice to everyone on thelr rlghts and responslbilities. 11 values diverslty, promotes equality and challenge5 discrimination. The serniie aim5'. To provide the advlce people need for the problems they face. To improve the policles and practices that affect people's Ilves. Objectives and publlc beneflt The objective5 for which the char(table company. East End Cltizens Advice Bureaux (EECABXI, also known as Citizens Advice Easi End. was e5tabli5hed a5 defined in the Memorandum and Article5 of A550ciatlon, are the promotion of any charitable purposes for the PLbbllc benefit by the advancement of educaiion, the protection and preservation of health and the rellef of poverty. 51ckness. and distress in partlcular. but without limitation. for the benefit of the community in Greater London and surroundlng areas. The charlty's principal activity is the provlsion of information. advice and advocacy service5 Wlthin the London Boioughs of Hackney. Newham, and Tower Hamlets. East End Cltizens Advlce Bureaux works together wlth local and natlonal partners to provide accessible. high quality and holistic advlce and Information servlces. advocacy. and training ¢0 empower and enable our communitie5. Our clienrs, experlences gulde us to try and influence policy at a local and natlonal level.

East End Cltlzens thice Bureaux Trustees, annual report For the year ended 31 March 2026 The trustees review the aims. objectives, and activitie5 of thÈ charity each year. Thls report looks at whai the charlty has achieved and the outcome5 of Its work In rhe rÈportlng perlod. The trusiees report the succes5 of each key activity and the benefits the charlty has brought to those groups of people that it 15 set up to help. The review also helps the irustees to ensure that the charily's alm5. obJecilve5, and aciiviiies Temalned focused on its stated purposes. The trustees have rtferred to the guidance contained In the Charlty Commlsslon's general guidance on public benefit when revlewing the charity's aims and objectives and In plannlng its future activities. In particular, the trustees consider how planned aciivities will contribute to the alms and objertlves that have been set. OveNlew of actlvities The charity's maln activities and who it trie5 to help are descrlbed below. All its charltable activitles focu5 on provlding advice and informatlon to client5 and are underraken to fuither East End Citlzens Advice Bureaux charitable purposes for the public benefit. We provlde free. confidential, and impartial servlces accèssible to all. We help with problem5 Involving welfare beneflts, housin9. debt. money management, employment, immigration. consumer and famlly and personal issue5. Our cllents are fiom some of the poorest and mosi deprived parts of the populatlon. Activities and Performance 2025126 In 2025126. we supported 11,984 clients, addressin9 41,394 Issues rhrough over 36.406 advice activities. This reflects a signiflcant Increase in demand and complexity, and our ability to respond at scale whlle maintalnlng ouallty and Impact. Our advlce dellvered strong flnancial outcomes for cllents. We secured £20.9 million in increased household Income, helplng households meet essential costs and Improve flnanclal stability. We also SUp￿rted the resolution of problem debt. achieving £2.1 million in debt write-offs and moving a further £2.4 milllon of debt onto affordable, manageable repayment plans. Thls approach prlorltlsed sustalnable, long-term 501utlons and reduced the rlsk of future financial Alongslde Income and debt outcomes. cllenrs beneflted from £339,811 in reimbur5ement5. seNlces, oi loans that reduced tJnavoidablÈ costs. such as health and soclal care charges and e$5entlal items including school uniforms. Our advice a150 delivered an estlmated £3.36 milllon in non-financlal outcorne5, reflectlng improvement5 in wellbeing. confidence. 5tabllity. and access to essentlal serylces. These fSgures include speclallst debt work delivered beyond Hackney. Newham an¢J Tower Hamlet5 through our partnershlp wlth London & Quadrant Houslng Assoclatlon.

East End Citlzens Advlce Bureaux Trustee5' annual repon For the year ended 31 March 2026 We achleved these outcomes throygh a flexlble and accesslble delivery model, providing support remotely, by telephone. face-to-face at our offices, and throu9h outreach locatlons across all three boroughs. We strengthened access to advice by expandln9 partnershlp referral pathways with 5choo15. housing associations. and communlty organisaiions, and coniinuin9 home-visit appointments for older people and vulnerable residents. Our research and campalgning actlvlties conilnue ro shape service development, ensurlng dellvery remains evidence-led and responslve to emerging need. Compared to 2024125, we sUPPOrted 28.5% more cllents and advlsed on 21 % more Issues. wlth overall client activity increaslng by 14% Household Income outcomes rose by 19%. and non-financlal outcome5 increased by 52%. highlighting the wider impact of our advice. While the total value of debi wrlte-offs fell sli9hrly. the value of debts moved onto affordable repayment plans increased, demonstrating a shift towards more sustalnable solutions. Although the value of dlrect financlal benefit5 declined in a more challenglng external funding envlronment. overall outcomes improved. Overall, thls year'5 performance demonstrates a servlce delivering measurable impact at scale, aligned with funder prioritSes around flnancial inclusion, preventlon, and 5UStalnablllty. whlle supporting clients to build long-term financial resilience. Serrfice delivery ioss Hackney, Tower Hamlets and Newham, Citizens Advice East End now offer5 pre-booked, olfice-based appointments throughout the week, iepresenting a significant improvement on previous years when building constraints limited availability. Alongside this, we deliver ad￿￿ through community Outreach locations. telephone appointments. and home visits for cliènts who are older or vulnerable. While a general drop-in seNice is not currently avaihble due to fvndin9 Con￿raIntS, we operate a drop-in booking model across all Ix)roughs for specialist projects atKI. in Hackney a￿1 Tower Hamlets, for core advice seNi￿s. Newham continues without a funded core service, with provision delivered through targeted proje(ts. The tables below Set out service delivery figures by borough for Hackney, Tower Hamlets and Newham. A case study from each borough ha5 also been included. Hackney Hacknev Clients seen Clien¢ Cases Number of enqulrSes Increase in income Debi written off Debt moved to payment plans 2026 3567 4204 IS,079 8,546,085 844.007 1.705.105 2025 2,338 3.208 11.033 5.533.584 899.656 689,300

East End a￿zenS Advlce Bureaux Trustees, annual report For the year ended 31 March 2026 Hacknev Icontinuedl Other flnanclallnon-financial outcomes 2026 ,772.177 2025 689.187 Energy voucher5 - number5 Energy vouchers - value £ Supermarket voucher5 - numbers Supermarket vouchers value £ Charltv grants numbers Charity grants value £ T56 297 12.519 9552 452 46,2 76 25 19.635 54.885 23 12.893 Salma's Houslng Beneflt success Saima, a slngle mother. fled domestic vlolence and was placed In temporary accommodatlon. Due to financial control by her fatheT and lack of awarene55. she dldn't claim houslng benefit, l*adlng to rent arrears. Initlal legal advice stated she wasn't ellglble for backdated housln9 beneflt. However. our advlser, worklng wlth a wellbelng practitloner and social worker. Submitted a clalm under exienuatlng clrcumstances, including evldence and historic bank statement5. After per515tenl advocacy and coordlnatlon wlth Hackney Councll's Beneflts Team, Saima's claim was approved. She recelved £7,094.85 In backdated houslng beneflt, clearlng her rent arrear5 and leavlng her debt_free. Sairna wa5 extremely grateful for the support and dellghted wlth the outcome. Newham Newham Clients seen Number of enqulries Increase In Income Debt wrltten off Debt moved to payment plan5 Other financial and non-financial 2026 1269 9045 4.357,639 284.353 419,679 730,853 2025 1.243 7.346 3,117,934 377.945 696,506 766.738 outcomes Charitv grants - numbers Charlty granis - value £ 4015 2,350 Martin'$ Story. Path to $helter and financial ald Martin. an EEA national W￿th long-term health condition5, was experiencing homelessness and was unable to work. He was unaware of his rights and laced multiple barriers to accessing suppo¢ including lack of valid immigration docurnentstion, ID and a bank account

East End Cltlzens Advlce Bureaux Trustees. annual report For the year ended 31 March 2026 WÈ 5UPPOrted Martin to renew his passport and obtain a share code to confirni his immigration status. With these in place, we helped him apply for Universal Credit securin9 over £400 per month to meet essential living costs. We also supported hiffl with his housing Situation. resultin9 in him being placed in temporary accommodatson and ending his homelessness. Martin told us that without this support he would have remained without shelter or financial stability. Our intervention enabled him to access vital servicès and better understand and exèrcise his right> Tower Hamlets Tower Hamlets Cllent5 seen Number of enquliles Increasé in income Debt wrltten off Debt moved to payment plans Other financial and non-financSal outcomes Energy vouchers - numbers Energy vouchers - value £ Charl rants - numbers Charlty grant5 - value £ 2026 2242 2025 2291 9347 7,064,073 182.122 222,848 689,446 8,304 6,152,125 263.224 315,239 451,231 93 4.323 Ak•5h's Story: Preventlng possession Akash was an in-palent in a community hospital and at risk of eviction due to rent arrears and mental health challenges that made it difficult for him to manage his h)using situation. Although he had recently submitted a Universal Credit claim, his entitlement was still Lbncleaf at the point when ssession action was being considered. We worked d1￿CtlY with Akash's social housing landlord, providing detailed infomiation about his circumstances and negotiating a pause on possession proceedings. An agreement was reached for Akash to set up an affordable repayment plan once discharged and his incorne was confirmed. Our timety intervention prèvented eviction and reduced Akash's distre55, allowing him to focus on his recovery. This case demonstrates how ear￿ advocacy and effettive engagernent with housing providers can protect wlnerable wple from housing loss durir¥J critical health episode5. Contlnuous seNice irnprovement and access Durln9 the year. Cltlzens Advlce East End strengthened access to advlce by expanding and Improvlng pathways into OUT services. We delivered advice across 30+ venues in Hackney, Newham and Tower Hamlets, embedding support in trusted health, educatlon and communlty settlngs io ieduce barrier5. 5UPPOrt early Intervention and Improve engagement among underserved communitie5.

East End Cltlzens Advlce Buieaux Trustees, annual report For the year ended 31 March 2026 In Hackney. advice was delivered through schools. family hubs, GP Surgeries. housing assoclations, estate-based community centre5 and Hackney Foodbank. Our advlce servlce at Cranwich GP Surgery. delivered one day a week, was specifically developed to Improve engagement wlth the CharediJewi5h cornmunity, a minority group that can face barrlers to accesslng malnstream advlce. We also expanded debt prov151on through a Money Advlce and Pension's Service IMAPSI-funded debt advlce project, providing general and speciali51 debt advice and enabllng us to Joln the MAP5 nÈtwork as the only MAPS-funded pfovldÈr In Hackney. Followlng a successful first yeai. advlce prov15ion at Hackney Foodbank was coniinued due to Strong outcome5 and high levels of need. In Tower Hamlets, we expanded advlce delSvery wlthln health and communlty settings. This Included a nèw advite service for people living with sickle cell condition5. delivÈred two days a week in partnershlp with the Royal London H05Pital run in addition to our exlsting 5Èrvlce in the renal unit. We also worked wlth the Communlty Mental Health Servlce at our ts¥o ex15tlng venue5, Mlle End Hospltal and 3 Colts Lane and ÈxpandÈd the service to a new venue, Barnsley Street Mental Héalth Clinlc. Addltional provlsion wa5 dellvered within community mental health servlces in response to Identlfled need. Community-based advice also contlnued through venues such as Idea Stores and targeted provislon at the Narl Centre. a speclallst servlce supporting women in Tower Hamlets. Across Tower Hamlets and Newham, we dellvered a projecr as a pllot to help resldents better understand how to access debt advice and bulld confldence In engaging wlth debt services. Following positlve early outcomes, the project continued at scale, strengthenSng access to debt support across both boroughs and allowed u5 to Increase our learnln95 for better service delivery. Taken together. these service expansions and ienewals demonstrate Citizens Advice East End's strong irack record of delivery and outcomes. and the confidence funders and par(ners place In us io expand. adapt and deliver high-quality advice services in response to need. Our contlnued growth reflects trusted partnerships, effectlve servlce deslgn, and a proven ability to deliver Impact at scale. Research, Campaigns and Partnership Work Research and campalgns actbvitles remalnèd an Important part of Citizens Advlce East End's work, supporting Service development, partnershlp worklng and Informed decision-making at both local and national levels. Our research 15 grounded in frontline service delivery, using client data and advlser Inslght to Identlfy emerglng trends and barrlers faced by communltles across Hackney, Newham and Tower Hamlet5. Our Research. Engagement and Funding (RE￿ Lead continues to lead on this work. Capaclty was more limlted than In previous years duè ta rÈduced Staffing resources and wSder funding pressures. however. prloTIty areas were identified to ensure research actlvlty contlnued to support

East End Citizens Advlce Bureaux Trustees. annual report For the year ended 31 March 2026 organisational objèctlves and servlce improvement. We regularly analy5ed cllent data io monltor trends and demonstrate Impact. Durlng the year. rtporting moved from bi-monthly to quarterly Impact repoits. reflecting reduced capaclty and a Strategic shift towards providlng more comprehensive and meaningful analysis. These reports were shared with funders, partners. local MP5, Mayors and Councillor5. 5UPPOrtlng informed discussion and ralslng awarene55 of issues affecting local communitles. Inslghts were also communicated Internally through staff newsletlers and team meetings to support evidence-led setvice design and delivery. Citizens Advlce East End continued to conirlbute to natlonal Cltlzens Advlce research attlvlty through evidènce 5ubmi55ions, ensurlng that local clierit experienie5 informed national analysis and pollcy Insight. Alongside thls, we worked closely with local authorltles, health partneis and voluntary sector organlsations. particlpating In borough-wlde forums and sharin9 evidence to support collaborative planning and Improvements to local servlce systems. This e￿dence-Ied approach to research and partnership working remains central to ourability to respond effertively to changing need and to delwer seNices that reflect ihe realities laced by the communities we support. Quality of advice East End Cltlzens Advice Bureaux Is commltted to quality. and we have robust 5V5tem5 in place to ensure cllents are recelvlng high quallty advlce seThlces and outcomes. We have a pool of Quallty Control Assessors who check cllent files and conduct Independent file revlews on a regular basis $0 thai remedial attion can be taken quickly If necessary. We Yrfork closely with our Natlonal Cltlzens Advice A55e550r in managlng the quallty Standards for the entlre service. This ha5 been extremely useful as the work of the internal assessors 15 checked and feedback Is provided on a quarterly basls. Citlzens Advlce. as requSred by the membershlp scheme. is rÈ4uired to carry out annual client feedback survey5 in addition to the internal feedback surveys and feedback through focus groups. Through provi(Jlng high quality advlce, we have been succe55ful in securing high volume5 of financial and non-flnanclal outcomes for our client5 a5 demonstrated elsewhere in this report. Our client feedback surveys on delivery of servlces have been extremely posltlve and clearly present a demand for more Citizens Advlce servlces.

East End Cltlzens Advlce Bureaux Trustee5' annual report For the year ended 31 March 2026 Effectlve people management and good governance We have a strong governance 51ruciure In place that ensures the adherence of all organisatlonal legal requirements, policles, and procedures. Our Trustees and Senior Management Team possess extenslve experlence In all aspects of organlsational leadership, effectlve delivery of services and Financial control. We are a people-based organisatlon puttlng the need5 of our clients at the heart of all we do. We can manage chaniJe. respond quickly to service user needs, due to changes In law, and funder requlrements. We have strong processes in place to support our pald staff and volunteers and to meet thelr development need5. Our Trustees undertake an annual 5k1115 audit to ensure their skllls and expert15e meet current organisational requirements as well as identifying any developmental needs. Future plans During 202 5-2026. we provided oversi9ht of delivery in a challenging envlronment of sustained Ilemand and fundlng pressure5. balancing re5ponslve 5ervlce5 Wlth Èffectlve rlsk management and financial overslght. We kepi the strateglc plan under review, with a continued focus on financial sustalnablllty Including budgei. cashflow and reserves plannlng. Looking ahead to 2026-2027, we will continue to respond to economic. health and houslng pressures affectlng our communltles by malntaining servlce quallty, Strengthening key partnerships and commlssloning relatlonshlps, and adaptlng dellvery to meet changlng and Increasingly complex client needs. In setting prlorlties for 2026-2027, we wlll focus on sustalnlng high-quality advice and advocacy across Hackney. Newham and Tower Hamlets. whlle strengthenlng organisational capacity and ensuring ihat resour<e5 are targeted to area5 of greatest need and Impact. These plans are Informed by ongolng servlce revlew, performance against our three yearlv buslness plannlng, prlnclpal rlsks and mltSgatlons set out elsewhere in thls report. Key r15k5 include Income uncertainty and funding concentration. rising demand and case complexiiy, and workforce capaclty., mitlgation5 Include actlve contratt and funding management. financial monltoring and scenarlo planning, and contlnued Investment In people, system5 and partnership governance. Strateglc priorities 2026 -2027 Securlng sustalnable fundlng In 2025-2026. we prlorlt15ed longer-term funding and partnerships, wi¢h overslght of budgets. cashflow and reserves planning. In the next flnancial year. thls work will continue and in addltlon we will secure and renew key commissioning arrangements and diverslfy income includlng corporate glvlng and pro-bono support to Strengthen organisational reslllence.

East End Citizens A(Mc* Bureaux Trustees, annual report For the year ended 31 March 2026 Valuln9 our people We invested In training. 5upervlslon and wellbeing to SU5taln serylce quality and support staff and volunteers. In 2026-2027. we will strengthen capacity ihrough targeted recruitment, development and clearer pro9resslon route5, including a stronger volunteer plpeline and alumnl engagement. Outreach In health and educatlon We expanded targeted ouireach In health and education settlngs and strengthened Ilnks with partner5 5UPPOrtlng familles and earers. In 2026-2027. wo will 5calÈ effective models across boroughs and deepen Inte9ratlon wlth health and educatlon partners to Improve access for clients who face barrlers to engaging wlth servlces. Financlal support servlces In 2025-2026. we provlded targeted hardshlp support alongside advice IsubJert to availablÈ funds), Including energy and household 5UPPQrt where available. In 2026-2027, we will contlnue to target emeigency support to hèlp prevent crlsls and will work with partner5 and funders to allgn support wlth advlce outcornes. Expandln9 access and collaboratlon We Improved acce5S through tollaboratlon and a mlx of digltal and In-peison dellvery, tallorlng services to clleni needs. In 2026-2027. we will 51rengthen pathways into face-to-face advice, develop practlcal digital 5UPPOlt and self-service option5 where approprlate, and contlnue to co- design seNices with partners and commissioners. Evaluatlon and Impact We have Strengthened outcome5 monitorlng and use of service data to evldence the value of advice and Inform Smpiovement. In 2026-2027, we wlll embed clearer evaluatlon and reportlng to support plannlng. fundraising and influencin9. Governance. equlty and organlsatlonal wellbelng We will contlnue to ensure the organisation 15 well led and governed, wlth a strong commltmeni to equlty. dlverslty, incluslon and wellbeing, supported by robust qualSty assurante. performance monitoring and risk management. 5trateglc engagement and partnershlps It 15 imperative that we engage locally, regionally and nationally to bulld relationships with pollcymaker5. commissioners and partners, and to speak out foi our communities using evidence and Insights from client casework. Contlnulty and long-term Impact Our stiategic approach recognises that Systemic change. individual outcomes and meanlngful ommunlty impact cannot be achieved wlthln slngle-year funding rycles, as set out In our three-year busines5 plan. The priorities for 2026-202 7 are therefore not a departure from

East End Clt12ens Ad￿£t Bureaux Trvstee5' annual report For the year ended 31 March 2026 previous work, but a continuation and deepening of our commitment to high-qualSty advlce, Strong partnershlp5, a skllled and supported staff team. and evidence-led adv¢xacy. Thls sustalned approach ensures that learning, impact and relatlonshlps are embedded over time. enabling us to deliver better outcomes for client5, greater value for funders. and stronger, more resilient advice servlces for the communitle5 we serve. Fundraising The charlty's income is derived from a range of sources. includlng local authorllles, health authoritles, central government, housing assoclatlons. corporate donors, and gTant5 from Tru5t5 and Foundations. The charlty actlvely seeks fvnding that allgns with its charitable objects and strategic prioritie5. Fundlng appllcatlons are subrnltte(I In accordance wlth funders. criteria and timescales, and feedback Is sought where applications are unsuccessful. Grant5 and contracts are typically awarded followlng competitlve and rlgorous assessment proce55es. Where unmet need has been identified, the charity also approaches funder5 directly where It belleve5 Its servlces can dellver positive outcomes for beneficlarles. Durlng the year. the charlty look part In the Hackney Legal Walk to raise funds io support people In Hackney who require both financlal assistance and advice. The charity also devÈloped an ongoln9 fundralslng campaign almed at supportlng indlviduals affected by ihe cost-of-llvlng crisis. The charity does not undertake publlc collectlons. door-to-door fundralslng, or soliclt donatlon5 from beneficiaries to safeguard vulnerable people. All Services are free at the polnt of delivery. The charity Is not a member of a fundraising regulatory scheme and reeeivÈd no complalnts relating to fundralslng durlng the reportlng perlod. Investment pollcy and performance Aside from retainlng a prudent amount In reseNes each year most of the charlty's funds are to be spent in the shon term 50 there are no funds for long ierm investment. The policy of the Trustees is io invest ihe amount that it has available. and grants received in advance in short term bank deposlts. Flnanclal revlew The charity's results for the year are Set out in the Statement of Financial Actlvitles on page 25. The charlty had net outgolng resources on operational unrestrlcted fund5 of £141 ,411 I for the year 1202 5 £15,698 nei Incomlng resources on unrestrlcted fundsl. Together wlth the accumulated 5urplu5 brought forward from previous year5 the charlty had an accumulated surplus on unrestricted fund5 after adjustlng for actuarial gains1110s5e5) on the pension scheme of £521,521 1202 5 £575.4411. Restricted funds carried forward on 31 March 2026 amounted to £327.493 12025 £321 ,5471. Th15 is sufficient for the actlvlties for which the funds were provlded. 12

East End otizens Advlce Bureaux Trustees. annual report For the year ended 31 March 2026 Restricted expenditure for the year to 3 1 March 2026 Sncludes £86,990 for the ener9y advlce and empowerment project for whlch grant claims were made and cash recelved In the accounting year to 31 March 2027. Thls income wlll be recognlsed in restricted income In the year ro 31 March 2027. The transfei from unrestricted to restrlcted funds of £86,990 made in the year to 31 March 2026 wlll be reversed In ihe year to 31 March 2027 incieasing our unrestricted reserves bv £86,990. If this situatlon had not arisen the charity would have had net Incoming resources on operational unrestricted funds of £45.579 and an accumulated surplu5 on unre5tiicted funds after atljusting for actuarlal gainslllo5se51 on the penslon scheme of £608,511. The charlty recelved 46% of Jts fundSng from the London Boroughs of Hackney and Tower Hamlets 1202 5 4W. including energy vT)ucher funding and fundlng whlch is pa55ed onto partner organisaiions 12026 21 % and 202 5 22% excluding energy voucher funding and funding whlch is passed onto partner organisation51. Thls funding was received by the charliy both directly and via partnership workln9 Wlth other organlsatlons to provide advice and Support at ils offices and at outreach 51te5. The funding scene 15 5trll extrernely challenging. We were awarded two grants totalllng £61 ,600 from London Borough of Hackney to provide food and energy vouchers to clients with prepald meters (see note 71. We gained £75,202 In 2025126 from the Greater London Authority to a551St clients across our three boroughs with the cost~of-living increases from two one-year grants startlng on l October 2023 and £ 12,000 from Wandsworth CA8 10 a5slst them wlth ihelr advlce first aid training (see note 71. Our three-year p¥oject In Hackney schools. whlch started in April 2023, will continue for a further one year funded by the Clty Brldge Foundation. 15ee note 71. We receSved fundlng of £51.750 from the Trussel Trust for a one-year project startlng In March 2025 worklng wSth foodbanks In Hackney, £2,156 was included in 2024125 and £49.594 in 2025126 Isee note 71. We were awarded a grant of £491. 100 over two years 5tartlng In February 2025 bv the Energy Savlng Trust to deliver energy advlce and casework across all our three boTough5, £113,188 of this grant has been included in 2025126, 15ee note 71. We received funding of £60,000 per annum from Independent Age for three years from October 2024 to provlde advlce to older residents in our three boroughs including via home visits (see note 71. London Borough of Hackney extended our core contracr for another five years from l January 2026 at a reduced rate of £189.040 per annum. We secured a further three years and fbve months fundlng from l November 2023 to 31 March 2027 from London Borough of Tower Hamlets working Sn partnership with other advice agencles In Tower Hamlets. The charity actrued in full the dèficit reduction payments in respect of the NACAB deflned benefit penslon Scheme of which East End CAB (Citizens Advlce Bureau) is a member in 2016. Deflclt reduction contributlons of £22,800 were payable annually from 2011 for 20 year5. The triènnlal valLbation on 31 March 2019 revealed a further increase in the deficit of £129, 728 usln9 a dlscount rate of 2% and we were requlred to Increase our contrlbutions by 25% to £28,500 per annum and

East End atlztns Advlce Bureaux Trustees. annual report For the year ended 31 March 2026 to make further contribution5 until March 2037. The actuarles updated the discount rate In 2023 to 4.8% whlch reduced the deflclt by £45,558 In 2022123. The actuarle5 updated the discount rate again In 2023124 to 4.% but increased the payment5 required by another three and a half years which resulted in an increase to the deficit in 2023124 of £48.272. The actuaries updated the discount rate furtheT 10 5.8% In 2024125 which has reduced the deflclt by £23.494. Following the 2025 trlennlal valuatlon the actuaries have Increased the dlscount rate further to 6.2% and our payments wlll Increase to £38,000 from 2027128 but for a shortened period to 30 June 2037. These two changes have Increased the deficlt by £12.509. Further detalls are given in note 2S on page5 50 and S l. Prlncipal risks and uncertainties The Trustees have assessed the principal rSsks to which East End CAB Is exposed and are 5at15fied that sysrems are in place to mitlgate our exposure to them. The Trustees recognlse the ￿tentIal flnancial rlsk5 on some of the bureaux servSces that are dependent on a slngle major funder. East End CAB is actively seeklng to address the dependency by securing additional funding sources to support those setvlces. We wlll endeavour to achieve thls whllst provldlng the hlghest posslble level of servlce to both our cllents and funders. The Trustees formally revlew rlsk on an annual basls and at regular Intervals throughout the year across the following areas and did 50 during the year under review under the following maln headlngs.. Compllance Flnance Governance External developments and relatlonshlps. We have a buslness continulty plan that manage5 all the identified organi5ational risks and Is reviewed on a regular bas15. Reserves policy and going concern The trustees belleve that East End Citrzen5 Advice Bureaux should hold unrestrlcted reserves to ensure that the charlty can contlnue to operate and meet the needs of Its clients In the event of urrfore5een circum5tance5. Given the vulnerabillty of many of our clients. our long-term ambition is io set aside sufficient liquid reserves to continue delivering essential services in the face of funding shonfalls, cash flow Issues, and numerous othei setbacks whlch mlght befall the organisation. However. our Immedlate focus Is to contlnue to dellver our much-needed core service5 whllst buildlng our essentlal reserves, particularly those nece55ary to cover the cost of an orderly wlnding up of East End Clt12ens Advlce Bureaux.

East End Citizens Advlce 8ureaux Tru5tees' annual report For the year ended 31 March 2026 The current reserves pollcy comprlses.. Sufficient cash reseNes to cover the cost of an orderly wlndlng up of East End Citizens Advlce Bureaux. Durlng 202512026, based on organi5ation headcount and employees, len9th of service, and Including redundancy costs plus notlce pay.. £600.776. In additlon io thi5 we would have to give a mlnSmal notlce period on our premlses and equipment maSntenance contract5. These costs might cost a further £1 0,000. In note 19, the analy$15 of net assets between funds. the charity's free reserves. the unrestricted fund5 less the unrestiicted fixed assets of £869 are £520,652. The total unre5trlcted fund5 of £830,274 Include a £308,753 pension deficit, whlch Is negative as it represents the dlscounted total Ilability arising from ihe need to make payments of £28.500 per annum from April 2021 until March 2027 and payments of £38,000 from l April 2027 10 30 June 2037. The irustees are confident that, on current projectlons, the charity will be able to continue to fund this obllgatlon out of cash reserves for the foreseeable future. The geneTal unrestrlcted reserves are a p051tlve £521.521 whlch shows total unrestrlcted re5eryes less the pension deflclt are le5S than ihe Trustees, reserves pollcy. As mentloned in the financlal revlew and In note 20b an £86.990 transfer ha5 been made from unrestrlcted funds to restrlcted funds due to a tlmlng dlfference in the recognitlon of restrlcted Income. This transfer will be reversed in the year to 31 March 2027. If thi5 had not occurred general unrestrlcted reserves would have been a posltive £608.511 which Is only slightly less than required by the reseFve5 poIIcy. Afttr making approprlate enquirles and after careful conslderatlon of the charlty'5 reserve posltlon labovel and after cash flows and commltments, the trustees have a reasonable expectation that the charltable iompany has adequate resources ro contlnue In operational existence for the foreseeable future. For this reason, they continue to adopt the golng concern bas15 in preparlng the financlal statements. Further details regarding the adoption of the golng concern basis can be found in the Accounting Pollcles. Principal fundlng sources are shown in notes 3 and 4. Further detalls of grant5 receivable are given In note 7. Structure, governance, management, and related parties Constitution East End Citizens Ad￿ce Bureaux, which also operates under the name of Citlzens Advice East End, was formally created on l April 2004 followlng the meiger of Hackney CAB, Newham CAB and Tower Hamlets CAB. It is a company limited by a guarantee and is a registered charity. As part of the merger, Hackney CAB, a company limlted by guarantee, changed Kt5 name to become East End Citizens Advlce Bureaux. Newham CAB and Tower Hamlets CAB. both cofflpanles limited by guarantee, became dormant and were subsequently dls501ved.

East End cl￿zenS Advlce Bureaux Trustees. annual report For the year ended 31 Ma￿h 2026 On 30 November 2013, the charity adopted a new Memorandum and Artlcles of Assoclatlon which was agreed by the Charity Commission and registered wlth Companles House. The company15 governed by Its Memorandum and Artlcles of As50ciatlon and regI5tered undor the number 03324794. The company is registered as a charity under number 1082193. In the event of the company being wound up member5 are required to contribute an amounr not exceedlng £1. The total number of such guarantees on 31 March 2025 was 16 12024.. 141. The Trustees are members of the charity. but thi5 entitle5 them only to voting rights. There are currently no members outside the Trustee body. The Trustees have no beneficial interest In ihe charlty. Governance The management of the charitable company Is ihe responslblllty of the Trustees who are elected and co-opted under the terms of its Artlcles of Assoclatlon. Trustees are selected and recwited using a standard selectlon and recruitment process followlng a skS11s audlt of the exlting Trustee5. At the time of appointment or co-optlon of a new Trustee, a skills analysls is undertaken. antl a tailored Induction and trainlvg programrne 15 Put In place. Management The charlty is governed by a Board of Tru5tee5 who noifflally meet quarterly. A Human Resource5 and Flnance Sub-commltree. also meets qvarterly and exists to further oversee the charlty'5 financial position and deci51on maklng. A Governance Sub-committee meets quar¢¢rly to oversee the governance of the charSty. A Remuneratlon Sub-commlttee also meets occasionally to review implementatlon of the Trustees. remuneratlon pollcy. The Trus(ees have dele9ated the day-to- day wnanagement of the charity to the Chief Executive who 15 als0 5UPPQrted by a Senior Management Team. consistlng of a project manager who oversees ihe specialist Services and tialnln9 and development. ￿ and finance managers who 5UPPOrt ihe whole organi5atlon. The three 9enerallst services are run by two team leaders. Remuneratlon pollcy for key management personnel The tfU5tees of the charity are Key Management Personnel and are not remunerated for thelr roles In this capaclty. Any expenses reclalmed from the charity are set out In note 9 to the accounts. Other employed Key Management Personnel, who are the Senior Management Team (see note 9). receive a base salary. which is benchmarked agalnst salarie5 In other London bureaux and natlonally, and whlch Is fixed by the Trustees. In additlon. there may be a perceniage for annual cost of living expense whlch Is determlned by the trustees before the year end. This is discretionary and the award of c05t-of-livlng expense Is very much dependent on the organi5ation's financlal condltlon. Any proposals for remuneration Increase for Key Management Personnel is forwarded to the Human Resources and Flnance Sub Committee whlch consist5 of three trustees. They will consider the proposal and forward their recommendatlons to the Trustee Board. The Trustee board lake ihe final decision on salary increases for all staff at their quarterly meerlngs. 16

East End Cltlzens Advlce Bureaux Trnstee5' annual rep)rt For the ￿ar tnded 31 March 2026 Related party relatlonshlps The charlty is a member of Citizens Advlce, the operatlng name of ihe National Associatlon of Citizens Advlce Bureaux. East End Citizens Advice 8ureaux work5 c105ely and has contract5 or service level agreement5 wlth other statutory and voluntary organisat5ons, includin9-. London Borough of Hacknev London Borough of Tower Hamlet5 Barts Health NHS Trust East London NHS Foundatlon Trust Greater London Authoiity The Learnlng Trust Statement of responsibllltles of the trustees The trusiees (who are also dlrertor5 of East End Citizens Advlce Bureaux for ihe purposes of company law) are respon51ble for preparlng the trustees, annual report and the financial statements in accordance with applScable law and Unlted Klngdom Accountlng Standards Iunlted Klngdom Generally Accepted Accounting Practice). Company law requires the trustees to prepare financial Statements for each flnanclal year. Under company law the tru5tee5 must not approve the financlal statements unle55 they are satisfied that they glve a true and fail vlew of the State of affairs of the charltable company and of ihe incoming resources and application of resources, Includlng the income and expendlture. of the charitable company for that period. In preparlng these financial statements. the Trustees are reoulred to.. Select sultable accounting policies and then apply them con515tently Observe the methods and prlnclples In the Charities SORP Make judgements and estimates that are reasonable and prudent State whether applicable UK Accounting Standards and statÈment5 of recommended practice have been followed. subject io any maierial depariures disclosed and explalned in the flnancial statements Prepare ihe financial statements on the going concern basls unless it is inapproprlaie to piesume that the charity will contlnue In operation The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explaln the charitable cornpany's transactron5 and disclose wlth reasonable accuracy at any tlme the financlal positlon of the charitable company and enable them to ensure that the financial statement5 comply with the Companles Act 2006. They are also iespon5ible for safeguardlng the assets of the charitable company and hence for taking reasonable Steps for the prevention and detection Of fraud and other irregularitie5.

t End a￿2£n$ Advlce Bureaux Trustees, annual report For the year ended 31 March 2026 Di5c105ure of information to auditor5 Each of the peisons who are trustees. the direcrors of the charltable company, ai the time when thls Trustees, Report Is approved has confirmed that.. As far as that director Is aware. Ihere is no relevant audlt Information of which the charltable company's auditor15 unaware. The director has taken all the steps that ought to have taken as a dlrector In order ro be aware of any relevant audit information and to establish that the audltor is aware of that Informatlon. In preparlng thls report. the trustees have taken advantage of the small companies. exemptions provlded by sectlon 415A of the companles Att 2006. The Trustee slgne ont annual report ha5 been approved by the tru5tee5 on 16 July 2026 and eir behalf on l 6 July 2026 by.. James Peters Chalr

Independent audltor's report To thè members of East End Clt12ens Advlce Bureaux Opinion We have audlted the financial statements of East End Citizen5 Advice Bureaux Ithe 'charitable company'l for the year Ènded 31 March 2026 which comprise the statement of financial aciivltles. balance sheet. statemenr of cash flows and notes to ihe financlal statements, including a summary of signifltant accounting policie5. The financlal reporting framework that ha5 been applied In thelr preparation Is applicable law and Unlted Klngd¢m Accounting Standards. Includlng Financial Reportlng Standard 102 The Financial Reporting StAndardapplicable in rlle UKandRepubllc o Irelandlunlted Kingdom Generally Accepted Accounrlng PractScel. In our oplnlon, the flnanclal Statements: Give a true and fair view of the state of the charitable company's affalrs as at 31 March 2026 and of its Incoming resources and application of resources Have been properly prepared in accordance with Unlted Klngdom Generally Aciepted Accountlng Piactlce Hav? been Prepared in accordance wlth ihe requlrements of ihe Companle5 Act 2006 Basis for opinion We conducred our audlt accordance with International Standards on Audltlng IUKI IISAS IUK)} and appllcable law. Our responsibilities under those standards ale funher descrlbed In the Auditor's responsibilltles for the audit of the financial 5ratements sectlon of our report. We are ndependent of the charitable company In accordance with the erhlcal requirements that are relevant to our audit of the flnancial statements In ihe UK. including the FRC'S Ethlcal Standard and we have fulfilled our oiher ethScal responsibilltles In accordance wlth these requirements. We believe that the audlt evidence we have obtained 15 5ufflcient and appropriate to provide a basis foi our opinion. Conclusions relating to going concern In audltln9 the financlal statements. we have coniluded that the tru5tees' use of the going concern ba515 of accountlng In the preparation of the flnanclal statemenrs Is approprlate. Based on the work we have performed, we have not identifled any material uncertainties relatlng io events or onditions ihat, Indlvidually or collectively. may cast Sl9nificant doubt on the charitvs ability to coniinue as a going concern for a period of ai least twelve month5 from when the financlal staiements are auihorlsed for 15sue. Our responslbllities and the responslbilitles of the dlrectors with respect to 9olng concern are described in the relevant seciions of ihis report. In our evaluation of the trustees, conclusions. we consldered ihe rlsks a5soclated wlth the charltV'S buslness model. Includlng the effects arising from macro-economic uncertainties and analysed how those rlsks might affect the charit15 financlal resources or abillty to conllnue operatlon5 over the perlod of twelve month5 from the date when rhe financlal Statements are authorised for issue. In accordance with the above. we have nothing to report In these respects. However, as we cannot predlct all fuiure events or condltlons and as subsequent events may result in outcomes that are inconsisteni wlth judgements that were reasonable at the tlme they were made. the absence of

Independent audltor's report To the members of East End Cltlzens Advlce Bureaux reference to a materlal uncertainty in this audilof's report Is not a guarantee that the charity will continue in operation. Other information The other Informatlon comprlses the Informatlon Included In the tru5tees' annual report, other than the flnanclal statements and our auditor's report thereon. The rrustees are responslble for the other Informatlon. Our opinlon on the financlal statements does not cover the other Informatlon and, excèpt to the exiènt otherwlse expllcllly stated In our report, we do not express any form of assurance conclusion thereon. In connectlon wlth our audlt of the financlal statements, our responslbllity is to read the oiher information and, in doing $0. consider whether the other informatlon 15 materlally Incon51stent with the financlal statements. OT our knowledge obtained In the audit or otherwise appears to be materially misstated. If we identify such material inconslstencle5 or apparent materlal mlsstatements. we are requlred to determlne whether there Is a material mi5Statement in the financial statements or a material misstatement of the other Informatlon. If, based on the wock we have performed, we conclude thar there Is a material mlsstatement of this other Information, we are requlred to report that fact. We have nothing to report in this regard. Matters on which we are required to report by exception We have nothlng to report In reSp￿t of the followlng matters where the Charities (Account5 anil Reports} Regulations 2008 require5 US to roport to you if. In our oplnlon.. The information given in the Trustees. report Is Inconsistent in any material respect wlth the flnancial stattments.. or the Charltable company has not kept sufflcient accounting record5,' or • The Charitable company fsnancial statements are not In agreement with the accounting records and returns.. or we have not received all the Informatlon and explanatlons we requlre for our audit. Responsibilities of trustee5 As explained more fully in ihe statement of trustees, responslbllltles sei out in the tru5tee5' annual report, the trustees (who are also ihe directors of the charitable company for the purposes of company law) are responslble for the preparatlon of the flnancial statements and for being satisfied that they give a true and fair view. and for such Internal control as the trustees determlne 15 necessary io enable the preparation of financial statement5 that are free from material mi5Statement, whether due to fraud or error. In preparlng rhe flnanclal statements. the Trustees are responslble for assessing the charltable ompany's ablllty to contlntbe as a golng concern, discloslng, as applicable, matters related to 90ing concern and using the goin9 concern basis of accounting unless the Trustees either intend to Ilquldaie the chariiable company or to cease operatlons, or have no reallst5c aliernatlve but to do so. 20

Independent audltor's report To the members of East End Q￿zenS Advlce Bureaux Capability of the audit to detect irregularities including fraud Irregularitles. Includlng fraud. are in51ances of non-compllance wlth laws and regulations. We deslgn procedures in line with our responslblllties, outlined above. to detect material mlssiatement5 In respect of Irregularltles. Including fraud. The extent to whlch our procedures are capable of detecting irregularitie5. including fraud Is detalled below.. As part of our plannlng proce5S:_ We enquired of management the 5y5tem5 and controls the Charity has In place, the areas of the financlal statements that are most susceptlble to the risk of irre9ularitie5 and fraud and whether there was any known. suspected or alleged fraud. The Charlly did noi inform us of any known, suspected or alleged fraud. We obtained an und*r5tanding of the legal and regulatory frameworks appllcable to the company. We determlned that the followin9 were most relevant". FR5102. SORP 2019 • We considered the incentives and opportunitles that exist In the Charlty. including the extent of management bia5. which present a potentlal for irregularities and fraud to be perpetuated and tailored our rlsk asse55ment accordlngly. Using our knowledge of the Charlty. together with the discussions held wlth the Charlty. we formed a conclusion on the rlsk of mi55tatement due to Irregularsiies Includlng fraud and tallored our procedures according to thls rlsk assessment. The key procedure5 we undertook to detect irregularities includlng fraud during the course of the audit included.. Idèntsfying and testlng journal entrie5 and the overall accountlng records. In particular those that were signiflcant and unusual. Revlewlng the financial statement dlsclosures and determlning whether accountlng policie5 have been approprlately applled. Te511ng key Income lines. In particular cut-off, for evidenee of management bias. • Assessing the extent of compliance, or lack of, wlth ihe relevani laws and fegulatlons. Obtaining thlrd-party confirmatlon of material bank balances. • Reviewln9 and challenging ihe assumptlons and judgemenis used by management In thelr significant accountlng e5timate5. Oocurnenting and verifying all signlficani related party balances and transactions. Our objettlves are to obtaln reasonable assurance about whether the financial statement5 a5 a whole are free from material misstaternent, whether due io fraud oi error. and to 155ue an audltor's report that Includes our oplnion. Reasonable assurance is a high level of assurance but is not a guarantee thai an audit conducted In accordance with ISAS IUKI wlll alway5 deieci a materlal mlsstatemenr when It exlsts. Mi55tatemenis can arlse from fraud or Èrror and are considered

Independent audltorfs report To the members of East End Cltlzen$ A￿￿<¢ Bureaux material If. Indlvldually or In the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements. A further descrlptlon of our responslbllitles for the audlt of the flnancial statemenrs is located on the Financial Reporting Councll's website at.. www.1ru.uk i audiiorsies .or description forms pari of our auditor's report. Opinions on other matters prescribed by the Companies Act 2006 In our opinion. based on the work undenaken in the course of the audit.. The Informatlon glven In the trustees, annual report. for the flnanclal year for whlch the flnanclal statements are prepared is consistent with the financlal statemenis The trustees, annual report, has been prepared In accordance wilh appllcable legal requlrements Use of our Report Thls report Is ma(le solely to the charltable company's trustees. as a body. in accordance wlth Part 4 of the CharrtÈs (Atcounts and Reportsl Regulations 2008. Our audit work has been undenaken so thai we might state to the charltable company's trustees those matters we are requlred to state to thém in an auditor's report and for no other purpose. To the fullest Èxtent ptrmitted by law, we do nor accept or assume responslbllity io anyone other than the charltable company and its members, as a body, for our audit work. for thls report. or for the oplnlons we have formed. Jeremy Tyrrell BA (Hons) FCA (Senlor statutory audltorl For and on behalf of RPC Crouch Chapman LLP Chartered Accountant5 Statutory Audltors 40 Gracechurch Street London EC3V OBT Date.. 22

East End C￿1ZenS Athce Bureaux Statem*nt of Ilnanclal aCtI￿tIeS Iincorporatlng an Income and expendlture account) For the ar ended 31 March 2026 2026 Total Unrestrirted 2025 Total Unresrdrred Restriaed Restrlcted Note Income from: Donatlons Charitable activitles Investments 5.879 263,066 T9.714 17,81S 2,022.408 23,694 2.285.474 19.714 5.701 308.372 21,038 23.600 1.823,867 29.301 2.132.239 21.038 Total Sncoffle 288,659 2,040.223 2,328.882 1,847.467 2.182,578 Expendlture on.. Charltable activitie5 203,571 2.160,776 2.364.547 30fj.893 1.761.320 2.068.213 Total expendlture 203,571 2.160.776 2.364.347 306.893 1.761,320 2.068.213 Net Incoméllexpendlturel before transfers 85,088 1120,553) {35.4651 28.218 86.147 114,365 Transfers between funds 20 1126,4991 126.499 112.5201 12.520 Nei Incom•/l•xpendliyTel after transfers 5,946 135.465) 15.698 98,667 114,365 Aciuadal 1losse5119ain5 on defined benefit pen51on schemes 24 112,509) 112.5091 23.494 23.494 Net movement In funds 153.9201 5,946 147.9741 39.192 98.667 137.859 Reconc1114tltsn of funds: Total funds brought fotward 575,441 321.547 896,988 536,249 222,880 7S9.129 Total fund5 carrled forward 20 327,493 849.074 575,441 321,547 896.988 All of the above results are derlved from £ontlnuing actlvities. There were no other recognised gains or losses other than th05e Stated above. Movements In funds are dSsclosed in Note 20 to the financlal 5tatement5. The notes on pagt5 26 ro 50 fomi part of these flnanclal statements. 23

East End Cltlzens Advlce Bureaux Balance sheet Company no. 03324794 As at 31 March 2026 2026 2025 Note Flxed asset5'. Tangible assets Current assets.. Debtors Cash at bank and In hand 1.691 230.243 1.274.008 220.047 1,305.328 1.504.251 ,525.375 Uabllltles.. Credltors- amounts fallln9 due withln one year (376.105) 1356,217) Net current assets 1,128,146 1.169.158 Total assets less current Ilabllltles 1,129.267 1,170,849 Credltor5'. amount5 falllng due after one year 1280.253) 1273.8611 Total net assets 849.014 896.988 The funds of the charity: Restricted income funds Unrestricted fund5'. Designated funds General funds 327,493 321.547 (308.753} 830.274 1302.361) 877,B02 Total uniestrlcted funds 521,521 575,441 Total charlty funds 849.014 896,988 The beh an¢ial statements were approved and authorised for issue by the Trustees on 16 Juty 20Z6 and slgned on thelr arnes Peters Chalr The notes on pages 26 to SO form part Df these flnancial statements. 24

East End Citizens Advice Bureaux

Statement of cash flows

For the year ended 31 March 2026

Note £ £ 21 (51,034) 19,714 - 19,714 (31,320) 1,305,328 22 1,274,008 Cash and cash equivalents at the beginning of the year Cash and cash equivalents at the end of the year Change in cash and cash equivalents in the year 2026 Cash flows from operating activities Net cash (used in)/provided by investing activities Net cash provided by operating activities Cash flows from investing activities: Dividends, interest and rents from investments Purchase of fixed assets

£ £ 31,933 21,038 (1,302) 19,736 51,669 1,253,659 1,305,328 2025

The notes on pages 26 to 50 form part of these financial statements.

25

East End Cltlzen5 Advlce Bureaux Notes to the flnanclal statements For the ar ended 31 March 2026 l Accounting policies a) Statutory Informatlon East End Citizens Advlce Bureaux Ss a charitable company Ilmited by guarantee and is incorporated In England and Wales under the number 03324794. The charlty reglstration number 15 1082193. The registered office address is 300 Mare Street, London E8 1 HE. The nature of the charltws operations and principal activity is the provlsion of information, advlce and advocacy service5 Wlthln the London 8oroughs of Hackney, Newham and Tower Hamlets. b) Bas15 of preparatlon The flnanclal statements have been prepared In accordance wlth Accounting and Reporrlng by Charltles.. Siatement of Recommended Practice applicable to charities preparlng their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021 leffectlve l January 20191- (Charities SORP FRS 1021, the Financial Reporting Standard applicable in the UK and Republic of Irelarbd (FRS 1021 (September 20151, the Charities Act 2011, the Companle5 Acl 2006 and UK Generally Accepted Accountin9 Practice as It applies from l January 2019. The financial statements are prepared on a golng concern basis under the historical cost convention. modified to include certain items at falr value. The financial statements are prepared in sterling which 15 the functlonal currency of the charlty and rounded to the nearest pound. The significant accounting policies applied in the preparatSon of these flnancial statements are set out below. These policies have been consistently applied to all years presented unless Otherwise stated. cl Publlc beneflt entlry The charitable company meets the deflnition of a public beneflt entlty under FRS 102. d) Going concern The financial statements have been prepared on a golng concern basls as the Trustees believe that no material uncertaSntie5 exist. The Trustees have consldered the level of funds held and the expected level of income and expenditure for tsvelve months from authorising these financial statements. The budgeted ncome and expenditure Is sufficient wlth the level of reserves for the charlty to be able to continue as a golng concern. The following judgements (apart from those involving estimates) have been made in the process of applying the accounting policies that have had the m05t Significant effect on amounts recognised in the financlal statements.. Useful economic live5 of fixed as5et5 for depreciatlon purposes Dlscount rate of 6.2%12025 5.8%) for defined benefit multi-employer pension deflcir reductlon The trustee5 do not con51der that there are any Sources of estlmatlon ￿ncer￿lntY at the reportlng date that have a significant risk of causing a material adjustment to rhe carrylng amounts of assets and Ilabllltie5 within the next reporting period. e) Fund accountlng General fund5 are unrestrlcted funds whlch are available for use at the discretion of the Trustees in furtherance of the general objectives of the charlty and which have not been designated for other purposes. Designated funds cornpri5e unrestricted funds that have been set aside by the Trustees for particular purposes. The alm and use of each deslgnated fund is set out in the note5 to the financlal statements. 26

East End Citizens Advice Bureaux

Notes to the financial statements

For the year ended 31 March 2026

• 1 Accounting policies (continued)

• e) Fund accounting (continued)

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the charity for particular purposes. The aim and use of each restricted fun is set out in the notes to the financial statements.

Investment income, gains and losses are allocated to the appropriate fund.

• f) Income recognition

All income is included in the Statement of Financial Activities (SOFA) when the charity is legally entitled to the income after any performance conditions have been met, the amount can be measured reliably and it is probable that the income will be received.

For donations to be recognised the charity will have been notified of the amounts and the settlement in writing. If there are conditions attached to the donation and this requires a level of performance before entitlement can be obtained then income is deferred until those conditions are fully met or the fulfilment of those conditions is within the control of the charity and it is probable that they will be fulfilled.

Donated facilities and donated professional services are recognised in income at their fair value when their economic benefit is probable, they can be measured reliably and the charity has control over the item. Fair value is determined on the basis of the value of the gift to the charity, for example the amount the charity would be willing to pay in the open market for such facilities and services. A corresponding amount is recognised in expenditure.

Income from government and other grants are recognised at fair value when the charity has entitlement after any performance conditions have been met, it is probable that the income will be received and the amount can be measured reliably. If entitlement is not met then these amounts are deferred.

Bank interest income is recognised on receipt.

Government and local authority grants for the purchase of fixed assets are credited to restricted incoming resources when receivable. Depreciation on fixed assets purchased with such grants is charged against the restricted fund over the expected useful life of the asset if there are continuing restrictions.

Grants of a revenue nature are credited to income in the period in which they are receivable. Grants received in advance for specified future periods are carried forward as deferred income.

g) Expenditure recognition

All expenditure is accounted for on an accrual basis and has been classified under headings that aggregate all costs related to the category. Expenditure is recognised when there is a legal or constructive obligation to make payments to third parties, it is probable that the settlement will be required and the amount of the obligation can be measured reliably. It is categorised under the following headings:

• Expenditure on charitable activities includes expenditure associated with general and specialised advice services and includes both the direct and support costs relating to these activities; and

• Other expenditure represents those items not falling into the category above.

• The charity does not currently incur costs on fundraising.

Irrecoverable VAT is charged as an expense against the activity for which expenditure arose.

27

East End Cltlzens Advlce Bureaux Notes to the flnanclal statement5 For the ar ended 31 March 2026 l Accountlng pollcle5 (continued) h) Support costs allocatlon Support costs are those that assist the work of the charity but do not dlrectly represent charltable activitles and include office, governance and administratlon costs. They are incurred in 5UPPOrt of expenditure on the objects of the charity and include project management carried out at Headquarters. Where support costs cannot be directly attributed to particular headings they have been allocated on a basis conslstent with use of the resources. Premlses and other overheads have been allocated on the basi5 of time spent on activitie5. The analysis of these costs Is Inclu(Jed in note Se. 11 Tanglble flxed a55eis Items of equipment and fixtures and flttings are capitalised where the purchase price exceeds £1.000. Depreciation costs are allocated to activlties on the ba515 of the use of the related assets In those activities. Assets are reviewed for impairment If clrcLJmstances indicate thelr carrying value may exceed thelr net reallsable value and value in use. Depreciatlon is provided at rates calculated to write down the cost of each asset to Its estimated residual value over its expected useful life. The depreclation rates In use are as follows.. Computer equipment Fixtures and fittings Office equipment 33.33% straight line 20% stralght line 14-20% straight Ilne Employee beneflts Wherb employee5 have rendered servlces ro the charity, shoit-term employee benefits io which the employees are entltled are recognlsed at the undi5counted amount expected to be paid in exchange for that Service. The charity operates two deflned contribution schemes for the benefit of Its employees. Contributions are expensed a5 they become payable. Both are funded schemes and the assets are held indepen(lently from the charity. One scheme Is closed to new members, consistlng of those members who had previously left the NACAB scheme below. The charity contributes 5.1% of gr05s pay to the scheme and thi5 charge is recognlsed in Staff pension costs for the year. The other deflned contribution scheme wa5 set up as part of the charity's auto enrolment obllgatlons and15 open to all current staff member5. The charlty contrlbutes 3% of gross pay to the scheme and this charge is recognlsed in staff pension costs for the year. The charlty Is also a member of a multi-employer defined beneflt penslon scheme, sponsored by the National A$s￿latIon of Citizens Advice Bureaux I'NACA8'1. which is now closed to new members. As a multi- employer scheme within the definltlon of FRSI 02. none of the assets or liabllitles of the scheme are Included on the charity's Balance Sheet as the Indivldual proportions cannot be attributed to each participatlng employer. See note 24 for funher deta115 of the scheme. The charity had an obllgatlon to pay deficlt reductlon contrbbutions of £22,800 per annum from l Aprll 2011 for twenty three year5. increasing to £28,500 from l April 2021 for nineteen and a half years and increasing to £38.000 from l Aprll 2027 for a re(luced period of nine and a quarter years to June 2037. The discounted net present value of this obligatlon is included within both current and non-current liabilities. An annual charge Is made to expendlture to unwind the discountlng, as Shown in note se under pension finance costs. 28

East End Citizens Advice Bureaux

Notes to the financial statements

For the year ended 31 March 2026

• 1 Accounting policies (continued)

j) Employee benefits (continued)

The charity is also a member of The Pensions Trust series three multi-employer scheme which is considered to be a defined benefit pension scheme, which is now closed to new members. As a multi-employer scheme within the definition of FRS102, none of the assets or liabilities of the scheme are included on the charity's Balance Sheet as the individual proportions cannot be attributed to each participating employer. The charity is not required to pay deficit reduction contributions.

k) Taxation

The charity is considered to pass the test set out in Paragraph 1 Schedule 6 Finance Act 2010 and meets the definition of a charitable company for UK corporation tax purposes. It does not suffer tax on income or gains applied to charitable purposes.

l) Debtors

Short term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

m) Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

• n) Creditors

Short term creditors are measured at transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

o) Leases

Rentals payable and receivable under operating leases are charged to the SOFA on a straight line basis over the period of the lease.

p) Financial instruments

The charity holds only basic financial instruments. The financial assets and liabilities of the charity are shown in Note 23:

Financial assets - Trade debtors, other debtors and grant income accrued are basic financial instruments and are debt instruments measured at amortised cost as detailed in note 15. Prepayments are not financial instruments.

Financial liabilities - Trade creditors, pension deficit liabilities, accruals and other creditors are basic financial instruments, and are measured at amortised cost as detailed in notes 16 and 18. Taxation and social security are not included in the financial instruments disclosure. Deferred income is not deemed to be a financial liability, as the cash settlement has already taken place and there is an obligation to deliver services rather than cash or another financial instrument.

29

East End Clllzens Advlce Bureaux Note5 to the flnancial statewnent5 For the ear ended 31 March 2026 2 Crftlcal accounting estlmates arml areas of Judgment Estlmates and judgmenis are continually evaluated and are based on historlcal experience and other factors. includlng expectation5 of future events that are belleved to be reasonable under the clrcumstances. Crlti¢al a¢¢ountlng estSmaies and assumptlons The charity makes estlmates and assumptions toncernlng the futu￿. The resultlng accounting estimates and assumptions will, by definltlon, seldom equal the actual fesults. The estlmates and a5sumptlons that have a slgnificant risk of causing a maierial adjustment to the carrybng amounts of assets and IlabilltSes within the next financial year are discussed below. Ctlilcal accountlng estlmates Accruals Estimates are made for costs before invoices have been received. These estlrnates are based on invoices 5ubsequtntly receivtd or expèrience. Deferral of Income Where the iimlng of 9rants does not coincide with the accounting year. a proportion of the 9rant is deferred and Included In Income in the following year, Subject to the requlrements of the Charity SORP FRSI 02 (effectlve l January 20191. Support cost allocatlon These are costs Incurred In support of expenditure on the object5 of the charlty. mainly an estimated prot)ortion of Staff and volunteer time. Penslon deflclt East End Citizens Advice Bureaux 15 a member of the Natlonal Assoclatlon of Citizens Advlce BLtreaux 1991 multi-employer, defined benefit, pension scheme. whith Is In defSclt. The liability shown In these financial statements is based on the actuaries estlmate of the payments which East End Cstlzen5 Advice Bureaux 15 required to make. discounted using estimated dlscount rates. Depreclailon Prov15ion 15 made for depreciatlon based on the estimated useful economic Ilve5 of the asset concerned. 3 Income from donatloDs 2026 Total 2025 Total Unresiricted Restrlcted Hacknev Newham Tower Hamlets Central 200 17,800 17.800 5,879 23,400 5,701 5,879 5,879 17,815 23,694 29,301 30

East End Citizens Advice Bureaux

Notes to the financial statements

For the year ended 31 March 2026

• 4a Income from charitable activities by bureau and income type

Hackney Newham Tower Hamlets Central	Grants £ 744,718 359,840 918,018 3,231 2,025,807	Fees for services £ 178,984 13,613 56,547 10,523 259,667	2026 Total £ 923,702 373,453 974,565 13,754 2,285,474	2025 Total £ 868,671 410,161 853,407 - 2,132,239

Tower Hamlets acts as the lead partner in a grant consortia receiving cash and passing it on to partner organisations. Grant income included in income and expenditure is £509,931 (2025 £509,931).

4b Income from charitable activities by bureau and fund

Hackney Newham Tower Hamlets Central	Unrestricted £ 179,152 13,613 56,547 13,754 263,066	Restricted £ 744,550 359,840 918,018 - 2,022,408	2026 Total £ 923,702 373,453 974,565 13,754 2,285,474	2025 Total £ 868,671 410,161 853,407 - 2,132,239

In 2025 of the total income from charitable activities £308,372 was unrestricted and £1,823,867 was restricted.

The charity has one activity, providing advice to those in need which is free at the point of delivery.

31

East End Cltlzens Advbce Bureaux Notes to the financlal Statements For the ar ended 31 March 2026 5a Charltable expenditure by expendlture type 2026 Total 2025 Total Staff costs her Hackney Newham Tower Hamlet5 Central 72 5.090 416,701 407,156 168,9S2 53,647 592,801 894,042 470,348 999,957 756,633 386,541 900,327 24,713 1,548.947 815,400 2.364.347 2.068.214 5b Charltable expendlture by bureau and dlrect actmtles and support (Llsts 2026 Total 2025 Total Actlvities Support Hackney Newham Tower Hamlets Central 793.874 410.788 939,148 100,168 59.560 60.809 894,042 470.348 999.957 756,633 386.541 900.327 24,713 2.143.810 220,537 2.364,347 2.068,214 Sc Expendlture from charltable artl¥ltle5 by fund 2026 Total 2025 Total Unrestricted Restricted Hackney Newham Tower Hamlets Central 133,195 13.399 56.977 760,847 456.949 942,980 894,042 470.348 999.957 756,632 386.541 900.327 24,713 203,571 2.160,776 2.364.347 2.068,213 In 2025, of the total expenditure £306.893 was unrestricted and £1,761,320 wa5 iestricted. 32

East End Clilzens Advlce Bureaux Notes to the flnanclal statements For the vear ended 31 March 2026 sd Dlrett costs 2026 2025 Tower Hamlets Hackney Newham Total Total Wages and salarSes NatSonal Insurance Pensitsn c05t5 Other staff costs Other dlrect costs Administration COSE5 PTemise5 Costs 571,525 74,045 9.491 2,692 8,320 72,984 54.817 327,482 42,722 5,484 988 10,694 7,891 15.527 318,924 1,217.931 40,052 156.819 6.265 21,240 2,702 6,382 5 18.958 537.972 17.717 98.592 34.530 104.874 996,644 98,493 18.681 8,083 532,364 99,986 48,151 793,874 410.788 939,148 2,143,810 1,802.402 se Support costs 2026 2025 Tower Hamlets Hackney Newham Total Total Wa9e5 and salarles National insurance Penslon costs Other staff costs Administratlon costs Pension finance cost5 Governance costs - see ote6 57.761 7,988 .040 7,031 8.960 9,963 33.828 4,678 609 4.301 5.485 6,172 34,571 4,781 623 4.392 5,578 6,248 126.160 17,447 2,272 15,724 20,023 22,383 175.139 20.270 2,722 13.830 15,640 21,872 7.425 4.487 4.616 16.S28 16.339 100.168 59,560 60.809 220.537 265,812 6 Goveroance costs Z026 Total 2025 Toial Unrestrlcted Restricted Wage5 and salarles National insurance Auditors, remuneration Meeting experh5e5. tru51ee recruitment and AGM ctsst5 6.213 865 9.150 6.213 865 9,150 6,032 654 9.000 300 300 653 16,528 16.528 16,339 33

East End Cltlzens Athce Bureaux Notes to the flnanclal statements For the ar ended 31 March 2026 Grants recel¥able 2026 2025 London Borough of Hackney General advice Advice in health 5ettin95 Household support fund energy and food vouchers Hackney CVS food vouchers London Borough of Tower Hamleis General advice Citizen5 Advice Energy advice programme Energy caseworker project Energy warm homes discount Other A(ce5S to Ju5tlce Foundation Bart5 Health NHS Trusi Clty Brldge Foundation Clarion Housing Association Energy Saving Trust Greater London Authority- via Cornmunity Llnks Grearer London Authoriry- vla Royal Courts of Justlce CAB Greater London Authority- via London Citizen5 Advice The Hackney Parochial Charltle5 welfare beneflt5 and debt Homerton Hospital London Legal Support Trust Money Advice and Pensions Servlce Debt advice Debt rnodernlsatlon project Independent Age 151amS1 Rellef Sickle Cell Society Sou¢h Hackney Parochial Charlty Thame5 Water Trust Fund Tru55el Trust Trust for London West Hackney Parochial Charlty 257,635 24,000 61.600 260,000 18.000 70.000 5.000 720.WO 720,000 12.1001 55.667 16.556 55,667 10.500 252 114,286 25.468 58.400 398 117.849 25,977 64.600 3.000 113.188 10.225 87,202 54.813 23.700 41.358 19.725 104,617 47,000 6.000 s.000 98,634 98,705 60.000 30,000 40.000 4,120 15.000 47,000 49.594 15,000 40,000 2,156 104.134 20,000 30,000 2,025.807 1.824.119 Tower Hamlets act as the lead partner in a grant consorria recelvlng cash and passing It on ro partner organi5ations. Grant income included in Income and expenditure is £509,931 12025 £509.9311. The grant from the Energy Savings Trust exclude5 £86,990 which has been clalmed in 2026127 bur which relates to expenditure incurred In rhe year to 31 March 2026 (see also Note Zobl. 34

Easi End Clrlzen5 Advlce Bureaux Notes to the flnanclal statements Fnr th* Hl March 2026 Nei Income for the year This 15 5taied after char9lng: 2026 2025 Depreciatlon of tanglble fixed assets owned by the charity Operatlng lease rentals.. Property Audiiors, remuneration lexcludln9 VATI.. Audit 570 483 51.695 51.695 9.150 9.000 Anatysls of trustee remunera¢lon and expenses. and rhe cost of key management personnel The total employee beneflt5 lincludlng pension contrlbutlon5 and employer'5 national Insurance) of the key management personnel were £241,827 12025.. £234,606). Whllst Trustees are consldered io be Included In the deflnition of Key Managemenr Personnel. they are not remuneTated. Employed Key Management Personnel are consldered to comprlse the Senior Management Team whlch includes." Chief executlve Finance manager IT manager Project manayer The charlty trustees were neither pald nor recelved any othei bemefit5 from employment wlih the charlty in the year 12025.. £nill. No charlty trustse received payment for professlonal or other servlces supplied to the charliy12025.' £nlll. No Trustees received reimbursement of expenses. 12025.. NIII. l O Staff costs and employee beneffts Staff c05t5 were as follows.. 2026 2025 Wages and 5alarles Social secuiity costs Orher penslon c05tS 1.346,829 175,131 23.512 1.175,389 119,418 21,403 ,545,472 1.316.210 One employee recelvtd remunerarion between E70,000 to £80.000 during the year.12025 One employee received rernuneratlon berween £60,000 to £70,000 durlng rhe year. 35

East End Clllz¢n5 Advlce Bureaux Notes to the flnanCI￿ statèments For the ear ended 31 March 2026 I I Staff numbers The average nurnber of employees (head count based on nurnber of staff employed) durlng the year wa5 39 12025..341. Staff are 5pIIt acro$s the aaNltie5 of the £harlrable company as follow￿.. 2026 2025 Proleci and actlvlty Administration and 5LlPPOrt 37 32 39 34 The average number of full and part tlmè employees during the year was as follows.. Full tlme 2026 No. ulvalent 2025 No. Head count 26 No. 202S No. Full time Part tlme 35 29 35 29 37 32 39 34 12 Relared party transartlons A5 shown on page l of this report one of our Trusiee5 is a London Borough of Hackney Councillor. The wlfe of one of the Trustees Is a150 a London Borough of Hackney Councillor and a London Assembly rnember. East End Citlzen5 Advlce Bureaux receives grants from London Borough of Hackney and in 2024125 and 2025126 It also recelved parinership grants. where it is not the lead partner organisatlon. from the Greatei London Authorlty. There are no related party rransz4Ction5 19 d15c105e for 2026, other than the Trustee expen5e5 shown In Note g of £NII, 1202 5.. £Nill. There are no donations from related parties whlch are outslde the normal course of business and no restricted donatlons from related parties. One 12025 one) of the daughter5 OF the Chief Executlve has been employed by the charlty as the research, engagement and funding lead during the yeaf and was paSd remuneratlon of £32.23912025 £46,734) includlng employers natlonal Snsurance and pension costs. 13 T￿atIon The charifable company 15 exempt from corpofatlon lax as all Its Sncome Is from charitable actlvllles and is applied for charitable purposes. 36

East End at12ens A<Mce Bureaux N￿eS to the flnanclal statements For the r ended l March 2026 14 Tanglble flmed assets Fixtures and Office equlpment Compuier equlpment Total Cost or valuatlon At the start of the year 2.817 45.339 10.553 58.709 At the end of the year 2.817 45,339 10,553 58,709 DepreCIa￿On At the start of the year Charge for the year 2,817 45,338 8.863 570 57,018 570 At the end of the year Net l)ODk valu At the end of the year 2.817 45.338 9.433 57,588 1.120 1.121 At the start of the year 1.690 1.691 All of the ab¢)ve assets are used for charltable purp05e5. 15 Debtors 2026 2025 Trade debtors Prepayments Granr and contratt debtors Other debtor5 39.104 7,699 183,073 367 144,463 7.844 66,927 813 230,243 220,047 16 Credltors.. amount5 falllng due vAthln one year 2026 2025 Trade credltors Taxatlon and social security Penslon deflcll Ilablllty Other credltors Accruals Deferred Income (see note 17 below) 95,366 46,273 28,500 71,919 114,545 19,502 64,553 S3,716 28,500 69.113 77,264 63.071 376,lOS 356,217 37

East End Clt12ens Advl¢e Bureaux Notes to the flnandal statèments For the ar endod 31 March 2026 Deferred Income Deferred income comprises amounts received in advante that arè grants oi contratt payments atiributable to specified future perlods. 2026 2025 Balance ai the be9innlng of the year Amount released to Income in the year Amount deferred in the year 63,071 163,071) 19.502 89.429 189,4291 63,071 Balance at the end of ihe year 19.502 63,071 18 Credlior5.' amounts falllng due after one year 2026 2025 Penslon deflclt reduction payThenis 280.253 273.861 280.253 273.861 Creditors include amounts not wholly repayable withln live year5 as follow5.' 2026 2025 Pension deficit reductlon payments repayable by Instalrnents 193,849 239,790 19a Analysls of rtÈt assets btrwten funds Icurrtm year) General unre5triited Designated Restrlcted Total funds Tangible fixed asse Current asseis 869 937,546 252 S66,705 1.504,251 1239.4641 1376.105) 1280.253) 128.5001 1280.2531 Long term Ilabllltles, denned benefli penslon Net assets at 31 March 2026 830.274 1308,7531 327,493 849,014 19b Analysls of net assets between funds (prlor year) General unrestricted Oesl9nated Rest￿cted Total funds Tanglble fixed assets Current assets 1,303 1,019,543 1143.0441 388 505,832 128.5001 1184,6731 1273.8611 1.691 1.52S,375 1356.21 n 1273.8611 Oeflned beneflt pension asset I Iliabi1Stvl N*t assets at 31 March 2025 877,802 1302,3611 321,547 896.988 38

East End Cltlzens Advlce Burtaux Note5 to the financlal ststements For the T ended 31 March 2026 20a Movements In lunds Icyrrent year) At l April 2025 At 31 March 2026 Income Expendlture Transfers Reslrlcted fund5'. Hackney Bureau advice servlces Advice in health settings Homeiton Hospital Energy vouchefs Energy voucher5 All 3 boroughs Supermarket vouchers National Lottery Community Fund Crisi5 project Blg Energy Savlngs NeTrnrk Energy advlce programrne Energy caseworker projecr Energy warm homes discount Equipment Family hubs Hackney CV5 food vouchers Hackney Covid-19 Digltal inclusion HMRC Energy advlce and empowerment Gambllng support 5ervlce5 Hackney Foodbank Hackney Legal walk vouchers Hackney NRPF voucher fund lslamlc Relief C05t of living advice Kick5tart Money Advlce and Pension SeNice Power Up Schools project Superv150r Universal credit help to clalm Unlversal credlt best practlce Welfare beneflt and debt Newharn ARG Capital fund Debi rnodernisatlon project Natlonal Lottery Communlty Fund C05t of Ilving Eneryy and food vouchers Energy advice and empowermeni Famlly hubs Greater London Authority Cost of 41.009 1.003 257,650 24,000 252.7041 124.0391 45.955 964 625 25 11.248 111,6941 185 1251 364 50,352 150,3521 1.020 1.020 12.1001 55.667 2,100 373 156,0401 5.000 23.491 14.3231 116,4661 677 7,025 157 9,362 37,729 184.8281 37,737 227 49,594 154,2791 4.458 131 1.428 1.428 98,634 1109,7791 11.145 4.262 6,024 4,262 5,023 64.600 16S.601) 775 22,000 775 59,958 68.700 130,7421 65,186 65.186 44,174 144.1741 9.497 37.729 15,661 181.5181 114.6341 34.292 1.027 6.500 87,202 190.7081 2,994 Grearer London Auihorlty General advlce Power up Speclallsi casework Thames Water Trusr Fund Trust for London Other 9,104 3,077 10.225 110.5401 8,789 3,077 117.849 47,000 146.7651 150.7591 23S 4,690 55.449 39

East End Cltlzens Advlce Bur*aux Notes to ihe financlal statements For the r ended 31 March 2026 20a Movements In funds (current yéarl Itontlnued) A( l Aprll 2025 Ar 31 March 2026 Income Expendlture Transfers Restrlcted funds Icontlnuedl.. Tower Hamlet5 Bureau advice servlces Councll tax Debt modernisatlon projecr Energy vouchers Local area partnership 2 Premises Advice in health 5ettin95 Age Boostlng Advice Project Islamic Relief Cost of living Employment sollcltor Energy advlce and emty)werment FamSly hubs Office equipment Power Up Royal London Hospital Schools pro}ect Slckle Cell Society Video conferenclng equlpmenr Volunteer trainlng 720.000 1688.5231 31,477 22,904 22.904 54.531 {54,6141 83 3.066 5.000 10,067 8.879 3,066 5,000 10.067 8,543 60.000 160,3361 881 9.381 17,800 37.729 15,661 115,2041 183,4191 114,0341 3,477 36.309 1.627 550 5,029 18.733 550 5,029 16,898 25,977 124.1421 4.120 12.5721 11361 1,548 252 1.768 388 1.768 Total restrl¢t¢d fvnds 321.547 2,040,223 12.160,7761 126.499 327,493 Unrestrkted funds.. De51gnated funds Pension deficlt fund 1302,3611 112,5091 6,117 1308.7531 1302,3611 112,5091 6,117 1308.7531 General funds Generol funds 877.802 288.659 1203.5711 1132,6161 830,274 Total unrestrfcted funds 575.441 288,6S9 1216.0801 1126,4991 521.521 Total fvnd5 896.988 3.328,882 12,376.8561 849,014 The narratlve to explaln the purpose of each fund for each of the years. to 31 March 2026 and 2025 15 glven at the foot of the prlor year note 20b below. 40

East End Cltlztns Ad￿¢* Bureaux Note5 to the flnanclal statements Ftir thÈ r pnd d 41 klArrh )O?fi 20b Movernents In fund5 (prlor yearl At l Apr51 2024 At 31 March 2025 Iniome Expenditu¥e Tran5fer5 ReSt￿tted funds.. Hackney Bureau advlce seNices Advice In health 5ettln9S Homerton Hospital Energy voucher5 Energy vouchers All 3 boroughs National Lottery Communlty Fund Crlsls projeci Big Ener9y Savings Network Energy advice pro9ramme Energy caseworker project Energy warm horne5 d15count Hackney CVS food vouchers Hackney Covid-19 Digital inclusion HMRC Energy advice and ernpowerment Gambling support services Hackney Foodbank Hackney Legal walk vouchers Hackney NRPF voucher fund 151amlc Relief C05t of living advlce Kickstart Power Up Schools projett Supervisor Universal credit help io claim Universal (redii besi practice Welfare benefit and debt Newham ARG Capital fund Natlonal Lottery Communlty Fund Cost of Ilvlng Energy and food vouchers Ener9y advlce and empowerment Greater London Authority C05t of 260.200 18.000 6,000 70,000 1214,5731 117,4391 16,0001 170.3801 12131 14.6181 442 41.009 1 .003 1,005 238 625 1.408 13881 171 19341 72 832 1,020 16,556 55,667 10,500 5.OlJO 115,6221 155,7391 111,3321 14,8651 22 157 181 11421 142 14,4241 265 11,9291 1221 (i 001 13,786 9,362 12651 2.156 227 22 103 20,000 118.5721 768 1.105 158.6691 319 2,778 933 158,4911 1.428 17681 4.262 6.423 4,262 6.024 58.400 12.7781 775 22.000 82.000 11.5091 65.962 17761 65.186 1,538 11,535 14,2891 13.786 9.497 638 104,618 199.1771 421 6,500 Greater London Authorlty General advlce Power Up Speciallst casework Thames Water Trust Fund Trust for London Other Tower Harnlets Bureau advlce serylce5 Council tax Energy vouchers Local area partnership 2 Premises 6.475 3,077 19.725 117.0961 9,104 3.077 114.286 40.000 104,133 1119.6591 141.0851 166,0631 124,8761 5.373 796 289 17,379 18.000 55,449 6.876 5.896 22,904 4,738 3,066 5.000 720.000 (736,5801 10.684 22,904 14.7381 3.066 5,000 41

East End Cltlztns Advlce Bureaux Note5 to the flnanclal staternents For the r ended 31 March 2026 20b Movement5 In funds Ipdor yearl (continued At l Aprll 2024 At 31 March 2025 Income Expenditure Transfers Restrlcted funds {contlnued)'. Tower Hamlets Icontlnuedl Advlce In health settings Age Boosting Advice Project Islamic Rellef Cost of Ilving Employmeni solicitor Energy advlce and empowerment Office equipment Power Up Royal London Hospsial Schools project Sickle Cell Society Vldeo conferencing equlpment Vtslunteei training 10.067 10.067 8.879 30,000 20,000 23.400 13.786 120,0941 128.3691 14,4051 94 5.850 881 9,381 550 S.029 16.898 550 5,029 20,350 11.595 25.468 128.9201 {11.6541 59 634 1,768 12461 388 1.768 Total restrlcted funds 222,880 ,847,467 11.761.320) 12.S20 321,547 Ufiresirlcted funds.. Deslgnated funds Pension deficit fund 1332.4831 23.494 6,628 1302.3611 General fvnds General funds 868,732 335,111 1306,8931 119.1481 877.802 Total unre5trlcted funds 536.249 358.605 1306.8931 112,5201 575.441 Total funds 759,129 2,206.072 12.068.213) 896.988 The narraiive to explaln the purpose of each fund Is glven at the foot of the note below. Purpose of restrtcted fvnds Hackney Bureau advlce services This funding provide5 general information. advice, advocacyt casework and financial Inclusion to the people of Hacknev. Ad ice healt sei os This project provides general advice In GP surgeries Hackney and in the mental health unlt of Homerton Hospltal for 2024125 onlv. ne Thls project, funded by the Household Support Fund, provided energy vouchers to rh05e In need who had prepald gas and electrlclty meters. This project provided energy vouchers across all three boroughs. 42

Ea51 End Clllzens A￿ce Bureaux Notes io ihe financlal statements For ihe r ÈndÈd 11 Mar h 2026 20b Moven7ents In funds Iprlor yearl Icontlnuedl Pyrpose of re5trlcted funds Icontlnued) Ha¢kney Icontlnued) This k)roject, funded by the Household Support Fund, provided 5upermarker vouchers to those In need. Lotte Communit Fund Cr ect This project provided a holistic servlce io those In hard5hlp crlsls to resolve emergency problems and rhe underlyln9 issues and to ensure that people are better able to improve their clrcumstance5 by provldlng dlgltal and financial group traSnlng sessions and working with partner or9anSsatlons to provlde literacy. numeracy and language sk1115 Iraining. Ilfe coaching and employablllty trainlng. avin This funding piovided consumers wlth energy advice and information. It a150 provlded tralnlng io frontllne worker5 to Support and advise consumers to be able to lake action to reduce rheir eneryy costs. Ener Thls project provides one to one advice to clients in fuel poverty. or In a fuel poverty risk group at the CAB offices, ai outreach locatlon5, via home vlslts or telephone and webchat sessiarts. er ro ect This project delivers speclalist energy advice and Income maximisatlon support to clients experiencing fuel poverty. This prDject provides energy advlce and Informatlon on the Warm Horne Dlscount Scheme whlch provldes a £1 SO discouni on electricity bills for eliglble low-lncome households. This grant was to pay for IT equipment. This farnlly financlal re5illence project funded by the Greater London Authority, 15 funding advice in Famity hubs across 12 London 6oroughs focu51ng on income maximlsaiion. covering benefits. houslng and debt. Thi5 funding provided supermarket vouchers for Hackney ￿SidentS. The Covld-19 project provlded exira capacity to provide advice after the Covld-19 pandemlc. - HMRC Thls funding assist5 cllents to access HMRC'S services dlgltally. Thi5 project. which is funded for IMI years from February 2025, provide5 high quality energy advice and education whi£h is accesLble beyond traditional routes. includlng via face to face ai community Oiltreach locaiions. telephone and horne visits. The project dellvered bespoke tralnlng and awa￿neSs-ralSlng events to frontllne staff In thelr reglon to provote Improved identification and early interventlon for individua15 at risk of gambling related harm vla online training sessions and presentations. 43

East End Cftlzens A￿1(e Bureaux Notes to flnanclal statèménts For tho ar •nded 31 March 2026 20b Movements In funds Iprlor yearl Iconilnued) Purpose of restrlcted funds Icontlnuedl Hackney Icontlnuedl This project provide5 a full tlme generalist adviser workin9 in the F(M)dbanks at Various locations in Hacknev. H3ckne al walk voucher lund Thls fund was created from a sponsored walk by the legal community in Hackney to provlde vouchers io Hackney residents In need. NR This fund was designed to support people who had No Recourse to Publlc Funds. vln advSc This funding Is designed to provlde advlce and acce55 to financial Support to 5ndl￿dual$ and families across our three boroughs in outreach locations so that th* most vulnerable can rea(h u5. Klckstart The KScksiart PfO9ramme provided work opporrunltles for young people in our Hackney and Tower Hamlets office as IT support worke¥s and telephone a55e550r5. This projed provides debt advite to clients across all three boroughs This project provides advice on money managemenr. The project aimed to embed digital into financlal capability and money management support within the advlce process and bulld upon the success of rhe Money Smart programrne. The proleci trained Digltal Money Coaches to support disadvantaged local resldent on money management. debt and beneflt5 advice to build rhelr fSnanclal and digiial confldence, and tested interventions at dIffe￿ni touchpolnts In the advice process. The projeci wa5 spread over all three boroughs. ro ect Thi5 projecr provides general advice io carers of chlldren In the school setting. This projett employed a volunteer supervlsor io asslst with the training and development of volunteers. The Fundlng was to provlde assistance wlth the completlon of universal Credit forms by ielephone and wtb chat and face to face meetings where posslble. Iver The Best Practice Lead gathered information and evidence on what was and wasn't working around Universal Cfedit and Universal Support and dlsseminated good piactte In the East London area. Welfare benefits and debt advice This funding is provided by ihree local charities to extend our work on debt and welfare beneflt5. 44

East End Clt12ens Ad¥l<e Bureaux Notes to the flnanclal statements For the arend d l March Z026 20b m0￿ments In funds Iprlor yeart Icontlnuedl Purpose of restrfcted funds (continued) Newham This fundivg Is to asslst with the renovatlon of new piemlses In Newham. an food vtsuchers This projeci, based In Newham, was designed ro provide cost of Ilvln9 advlce across all our three i)oroughs. l 0% of the fund wa5 allocated to energy and supermarket voucher5 which were given to clients. Debt mod ro eci This project fotU5sed on the accessibility of debt advice seryice5 and impovlng the efflclency of Internal proce55e5. through technology and assistance frorn our debt coach and detx champlons vla drop-in sesslons at local cornrnunity venues including libraries. Natlonal Loite mmun Fund Cost of livin Ener andF hers This fund, to prowde vouchers to vulnerable clients, was part of a wider project provlding £tsSt of Ilvlng advice. Ener adv*ce and em owerrnent Thls project. which is funded for two years frorn February 2025, provldes hlgh quallry energy advlce and education which Is acceslble beyond tradlllonal routes. includlng vla face to face at communhy outreach locations. telephone and home vlslts. This family flnancial resilience project funded by the Greater London Authority, is funding advice in Family hubs across 12 London Boroughs focusing on income maximisation. coverlng benefits. housin9 and debt. The funding provided by the Greater London Authoriiy. via a pannershlp wilh Royal Courts of Justice CAB and since l October 2024 with London Cli12ens Advice, is to provide c05t of living advice acr055 all rhree boroughs. The project Is based at our Newham ofhce. General advlce Th15 project. funded by the Grearer London Authorlty, Is to provide general advice in Newham wa a partnership wth Community Link5. The project almed ¢0 embed digltal Into finaKlal capablllty and money management support wSthin the advice process and build upon the success of the Money Srnart programrne. The project trained Digltal Money Coache5 to support dlsadvantaged local resident on money management. debt and benefiis advice to build iheii financial and digltal confidence. and tested intewventlons at dlFferent touchpolnts in the advlce process. The projeci was spread Dver all three boroughs. This project provides speclallsi casewoik and support to Improve access to early 50clal Welfa￿ and famlly legal support and advice to enable cllents to resolve problems as early as possible and avoid the need foy court or tribunal proceedin9s where p055ible. If such hearings are necessary. it provides support in preparlng for and attending them. rTr The projett alms to a55Ist re51dents of our three boroughs who owe money to Thames Warer. 45

East End Cltlzens Advl¢e Bureaux Notis to the flnan¢lal ststernent5 For the ar nded 31 March 2026 20b Nlovements In fund5 Iprlor yearl Icontlnuedl Purpose of restrfcted funds Icontlnued Newh4m Icontlnuedl Trust for ondon Thls Fundlng is iowards the costs of an employment rlghts advlce servSce across our ihree boroughs. ther Thls fund has been created from rent provisions previously charged to Newham projects following a declslon by the landlord noi to charge rent. It ha5 been used to cover the extra cost of employln9 two part time IT assistants to allow the IT manager (o deal vAih the premlses Issues In Newham. Tower Hamlets au advlce servlces This fundin9 provides general Inforrnatlon. advlce. advocacy, casework and financial inclusion to the people of Tower Hamlets. The council lax project was deslgned to asslst Tower Hamlets resSdents. who were in arrears wilh their council tax, to reduce theli debts. This project focu55ed on the accessibility of debt advice services and impoving the efficlency of Snternal processe5. through technology and as51stance from debt coach and debt champions vla diop-ln sessions at local cornmunitv venues includino libraries. Thls project provlded eneryy vouchers to those in need who had prepaid gas and elettrlclty meiers. Local are This funding provlded general Informaiion. advlce. a¢fvocacy. casework and flnanclal Incluslon ro ihe people in some of the poorest ward5 in Tower Hamlet5. Thi5 project 15 now included in the bureau advice Services project. Premises The premises giant was to covèr extra costs re Covid-19. Thls project provlded general advice in GP surgeries in Tryver Hamlets. 005ti eP¥ ec This three year prolea, which starred Sn October 2024, 15 de51gned to provlde advlce to clients who are over 65 who find it difflcult to access our offlces to obtaln advice. Advlce is belng provided by telephone and home vlslts. We are looking to extend this service to provide advlce In Communlty settlngs In 2025126. The project is based at our Tower Hamlets office bur cover5 all three Boroughs. advic Thi5 fundin9 Is deslgned to provlde advlce and acce5S to flnanclal support to indNidua15 and families across our ihtee bLIrt)U9h5 In outieach locatSon5 50 that the rnu5t vulneiable Lan IEdch us. This funding was io provide employment advice to ihose with Ilttle acces5 to legal services in Tower Hamlets. 46

East End Qt12ens Advlce Bureaux Notes to the financlal statements 31 March 2 20b Movemenis In funds Iprlor year) Icontlnuedl Purpose of restrlcted funds (contlnuedl Towèr Haffllets Icontlnuedl This project. which 15 funded for two years from February 2025. Pfovldes hlgh quallty energy advlce and education whlch 55 acceslble beyond traditional ioutes, Sncluding via face to face at communlry outreach locations. telephone and home visits. This family financlal resllience projert funded by the Greater London Authority, Is fundln9 advice in Family hubs across 12 London Boroughs focuslng on Income maxlfnlsatlon, coverlng belleflt5, housing and debt. men This fundlng was used to purchase a photocopier for the Tower Hamleis offtce. The projecr aimed ¢0 embed digltal into flnanclal capablllty and money managemenr supporr wlthln the advlce process and build upon the succe55 of the Money Stnart prograrnrne. The project trained Dlgiial Money Coaches to 5UPPOrt disadvantaged local resident on money management. debt and benefits advlce to bulld thelr financial and digital confidence. and tesied interventions at different iouchpoints In the advice proce55. The project was spiead over all three borDughs. Ro This fundlng 15 to provlde general athlce to the patients of the renal and urology units of the Royal London hospltal. Schools ro Thi5 project provlded 9eneial advlce to carer5 of chlldren In rhe prlmary school setting but came io an end in December 2024. This project is to provlde 5pecla115t welfare and benefits advlce to people wlth Sickle Cell dlsorder at Mlle End Hospital. onf This Funding was used to purchase video conferencing equlpment to allow cllents to access advlce remotely from the Tower Hamlets office. The purpose tsf this funding wa5 to provlde volunteers with a better enviionment and experience by updatlng our tralnlng room and equipment and improving the outdoor space at the office. Purpose of desl9nated funds The pension deficit fund was establlshed to recognise, as a participant in a multi-employer defined benefit pension scheme wilh a deficit reductlon paymenr arrangement In place, rhe liablllty representing the present value of these fuiure defSclt feduction contfibutions following the introduction of charities SORP IFRSI 021. The value of th15 fund 15 equal to the corresponding Iiabiliry within crediiors. A iransfer was made frorn general funds to ihe pension deflclt fund repre5entln9 the current year payment of the pension deficit le55 the unwlndln9 of the discount. I￿rpOSe of transfers between fund5 The transfer5 frorn unrestrlcred funds to restrlcted funds are to cover shortfalls of funding on the prolects. Transfers between offices between the Same proiect are to rnatch inrernal fundlnq needs. 47

East End Clilzens A￿te Bureayx N￿e5 to the flnanclal statements For rhe ar ended 31 March 2026 20b Movem*nt5 In funds {prlor yearl Icontlnyedl Purpose of ttansférs between funds Icontlnuedl Restritted expenditure for the year to 31 March 2026 on the ener9y advice and ernpowerment project intludes £86,990 for which grant clalms were made in the year to 31 March 2027. É86.990 wlll be recognlsed In restricted incorne In ihe year to 31 March 2027 and the transfer frorn unrestrlcied to restricted funds of £86.990 In the year to 31 March 2026 wlll be reversed. 21 Reconcllladon of nei Income I lexpendiiure) to nét cash flow from operatSng attmtles 2026 2025 Net Income for the reportlng perlod las per the statement of flnanclal actfvltlesl Depieclarion charges DI￿dends. Interesi and feni from investments Ilncreaselldecrease in debtor5 Increaselldecrea5el in creditors (47.974) 137.859 570 119.7141 110.1961 26.280 483 121.0381 178,4551 16.9161 Net cash provlded by operatlng actlvltles 151,0341 31,933 22 Analysls of cash and cash equlvalents At l Aprll 2025 Cash flow5 Other At 31 Marc changes 2026 Cash at bank and In hand 1,305,328 131.3201 1.274.008 Total cash and rash equlvalenrs 1.305,328 131,3201 .274.008 23 Flnanclal Instrumonts 2026 2025 The carrylng amounts of the charity'5 financial instruments are as follows". Flnandal 455ets Cash of £1,274.00812025.. £1,305,328) 15 held ai face value. Debt Instruments measured at amortised tost.. Trade debtor5 Grant and contract debior5 Other debtors 39.104 163,073 367 144.463 66,9?7 813 Total 222.544 212.203 48

Easi End Cltlztns A￿ce 8ureaux Ntstes to the flnanclal statements r ended 31 March 2026 23 Flnanclal Instruments Icontfnuedl Flnanclal Ilabllltles 2026 2025 Llablllty Snsrruments measured at amort15ed cost.. Trade cleditors Accruals Oiher credirors Pension deficlt redvction payments Iwithln l yearl Penslon dencir reducrion payments lafter l year) 95.366 114,S45 71.919 28,500 280,253 64.553 77,264 69,113 28.500 273.861 Total 590,583 5 13.291 Inieresi on short term deposiis amounted to £19.714 12025.. E21,0381. 24 Pen51on commltments East End Citlzens Advlce Bureau partlcipated in the National Association of Cirizens Advice Bureaux Penslon and Assurance Plan {1991 I vthich was a deflned benefit scheme. It operated In the UK and was closed on 31 March 2008. More than one employer participated in the scheme and East End Citizen5 Advice Bureaux Is unable to identify Its share of the underlying assets and liablliiie5 in the scherne. It has been accounted for as a defined contrlbutSon scheme. The Plan 15 a reglstered scheme under UK leg151ation. The Plan 15 subject io the scheme fundlng requlrements outlined in UK 1eglslatlon. The Plan is governed by the Pldn'5 T¥u5t Deed and Rules dated 4 Aprll 2011. The Trustee is responslble foi the operation and the governance of the Plan, includiThJ maklng declslons regarding the Plan's fvndlng Investment strategy laltbough ihey are requlred to consult the Piincipal Employer). The last full aauarial valuatiun of this 5cherne reveallng a fundlng deflclt of £40.056,000 was carrled out as at 31 March 2025 and ha5 been updated on an approximate basis to 31 March 2026 by a qualified actuary, independent of the scheme's sponsoilng employer5. The updated valuatioTh showed a defici¢ on the scheme of £30.784.00012025 £40.056.0001 using a dlscount rate of 6.2%12025 5.8%1. The Ilabilitie5 of the Plan are based on the current value of expected benefit payment ca5hflows to members of the Plan over the next 60 or more years. The average durarlon of ihe Ilabllitles 15 approxlmaiely l O years. The Plan is exposed to actuarSal rlsks such as market linvestmentl rlsk. interest rate rlsk, inflation rlsk, currency risk and longevlty risk. The closed scheme has current and future pensioners. The employer5 will con¢lnue io make contributiofts to the Scheme In future perlcds. The best estlmate of the contrlbutlon5 are-.- enses The prlnclpal employer. the Natlonal Assoclaiion of Citizens Advice Bureaux, NACA8, has agreed to pav amounts equal to the levy payments to the Pen51on Protectlon Fund. NACAB has also agreed to pay the mana9ement and adrninistration expenses of the scheme. There is therefore no cost lo EECABX to Include in the charlty's accounts. 49

East End Clrizens Advlce Bureaux Notes to the flnanclal statements For the ar ended 31 March 2026 24 Penslon commliments l¢(Jntlnuedl eflclt In aciordance with the recovery plan following the 31 Marth 2025 actuarial valuation. Ihe sponsorln9 employers will pay a once off lump sum of £3.250,000 by 30 June 2026 plu5 ioral annual contributions of £3,374,000 for tefi and a quarter years from l April 2027 to 30 June 2037, The 2026127 contrlbutlons wlll remain at £2,918.000 a5 agreed in August 2023. East End CAB'S share of thls Is currently £28,500 per annum bui will Sncrease to £38,000 per annum frorn l AprS12027. Future valuations may change these amounts. The tDtal liability for these future payrnents, discounted to the new present value. Is included on the charity's balance sheet and a charge made to the SOFA annually to unwlnd the dlscount In Ilne wlrh the chdrlty's accounting pollcles. 2. The charity participated in 5erle5 three of the Pension5 TTU5t Growth Plan, a 5rheme which ha5 some attributes of a defined benefit scheme and some attributes of a defined contribution scheme. It Is consldered to be a defined beneflt scheme. Thi5 ha5 now been combined h￿th rhe series four defined contribution scherne. Followlng a valuatlon ar 30 September 2025 carried out by independent actuaries, it was estimated rhat the charlty's share of the deflcll In ihe plan at 30 September 2025 was £2.704 12024 £3.3281. This liablllty will only cry5ta1115e If the charity exlt5 the serles four plaft and the charliy does not anticipate thi5 happening In ihe fuiure. The charliy Is noi requlred to partlcipate in a recovery plan (make deficlt reduttlon payments). 3. The charlty operates two further pension schemes, both of whlch are deflned contributlon schemes for which the charity therefore has no further commltment beyond monthly contiibutions for employed staff. 25 Capltal commltm*nts Al the balance sheet dale, the charity had no capltal commitmenis other than those d15c105ed in these financial statérnents. 26 Contlngènt assèts or Ilabllltles At the balance sheei date. the charlty had no other contln9eni assets or IlabS1ities other than ihose disclosed in these financial statement5. 27 Legal status of the ¢harlty The charity Is a company limited by guarantee and has no Sha￿ capital. The Ilablllty of each member in the event of winding up 15 limited to £1 50