Zam Zam Charitable Trust (UK Registered Charity No. 1132716) Annual Report for the year ended 31 December 2024 **Zam Zam Charitable Trust** ## **Report of the Trustees for the year ended 31 December 2024** ## **Assalamu alaikum wa rahmatullahi wa barakatu** The Trustees present the annual report for Zam Zam Charitable Trust ( **“Zam Zam”** or the **“Charity”** ) for the year ended 31 December 2024 and confirm it complies with the Charities Act 1993, as amended by the Charities Act 2006; the Charity’s trust deed dated 15 October 2009 (the **“Trust Deed”** ); and the Charities Statement of Recommended Practice 2005. ## **Administrative information** Charity Name Zam Zam Charitable Trust Charity Registration Number 1132716 Principal Office 1 LIANNE GROVE LONDON SE9 4AD Bangladesh Office 23 Moushumi Mirabazar Sylhet Trustees Moyeen Uddin Ahmed Chowdhury (Chairman) A.M. Choudhury M.A. Mohaimin Chowdhury Auditors Miah & Company (London) Ltd 16A Well Hall Parade London SE9 6SP Bankers HSBC Bank 184 High Street Bromley Kent BR1 1HE **Page 2** **Zam Zam Charitable Trust** ## **Report of the Trustees for the year ended 31 December 2024** ## **Structure, governance and management** ## **Governing document** Zam Zam is constituted a charitable trust by and governed under the Trust Deed. It was formed in the UK in 2003 and registered with the UK Charity Commission on 15 November 2009 under charity number 1132716. ## **Organisational structure** The Trustees are responsible for the general control and management of the Charity. The Trustees give their time for free and receive no remuneration or other financial benefit for their services to the Charity. The Trustees meet as often as is required but not less than 2 times a year and minutes of the proceedings of Trustees’ meetings are kept. ## **Appointment of trustees** New trustees are appointed by a resolution of the Trustees at a special meeting called under the provisions of the Trust Deed. ## **Induction of trustees** New trustees are provided with a copy of the Trust Deed and any amendments made to it and a copy of the Charity’s latest report and accounts. ## **Our objectives** The Charity’s primary objectives are: - relief of financial need and suffering among victims of natural and other kinds of disasters - prevention or relief of poverty for the public benefit. We seek to achieve these objectives through: - the advancement of health or saving of lives - the prevention or relief of poverty - providing accommodation and housing. We operate through making grants to Zam Zam Bangladesh, which is a nongovernmental voluntary development organization registered under the NGO Affairs Bureau of the Government of Bangladesh, with registration no. 2090. We operate for the benefit of the general public and our main geographic area of activity at present is Bangladesh. The Trustees periodically review the Charity’s objectives to ensure they comply with the Charity Commission’s general guidance on public benefit. ## **Main activities undertaken in the year** Zam Zam provides the following: - monthly allowance to the old and widows **Page 3** **Zam Zam Charitable Trust** ## **Report of the Trustees for the year ended 31 December 2024** - promotion and extension of education facilities - medical help through regular medical camps - house-building and repairing programme - grants to install or improve sanitation service - interest free loans - emergency relief - distribution of iftar items in mosques during the holy month of Ramadan - training programme for women in washing and shrouding of female dead bodies - self-employment generation programme (by distribution of CNG auto-rickshaws, rickshaws, rickshaw-vans, sewing machines, etc.) - assisting street working children In selecting beneficiaries, we prioritise the following beneficiaries: - widows and women-headed households - orphans - special needs persons - destitute women, children and men - elderly men and women ## **Partnerships** Zam Zam seeks to partner with other charitable organisations in cases where it can add value. We actively seek partners who we can work with to maximize the benefit to beneficiaries. ## **Financial review** ## **Policy on reserves** The Trustees do not consider that a reserves policy is required at this time and the Charity therefore has no such policy at present. ## **Principal funding sources** Zam Zam is principally funded by donations from individuals and charitable and other organisations. Donations are made both on a one-off basis and by regular standing order payments. **Page 4** **Zam Zam Charitable Trust** ## **Report of the Trustees for the year ended 31 December 2024** ## **Zakat** Funds donated by way of zakat are segregated from general donations. A zakat committee has been established in Bangladesh to ensure zakat funds are utilised only in accordance with the rules of zakat. ## **Investment policy and cash management** The Trustees do not consider it necessary, at present, to make investments on behalf of the Charity. All funds of the Charity are held in sharia’a compliant accounts and Zam Zam does not pay or receive any interest. Approved by the Trustees on 15 May 2025 and signed on their behalf by: Moyeen Uddin Ahmed Chowdhury Chairman **Page 5** Charity registration Number: 1132716 ZAM ZAM CHARITABLE TRUST Accounts 31 December 2024 ZAM ZAM CHARITABLE TRUST Trust Information Charity reglstration No 1132716 Chairman M U A Chowdhury Accountants Miah & Company ( London) Ltd 16 A Well Hall Parade Eltham - London SE9 6SP Bankers HSBC Bank ## **ZAM ZAM CHARITABLE TRUST** ## **Approval statement** I approve these accounts which comprise· the Receipts and Payments Account, Balance Sheet and related notes. I acknowledge my responsibility for the accounts, including the appropriateness of the accounting basis as set out in note 1, and for providing all the information and explanations necessary for their compilation. > M U Chowdhury M U Chowdhury 14.05.2025 2 ZAM ZAM CHARITABLE TRUST Accountants, report on the accounts to ZAM ZAM CHARITABLE TRUST You have approved the accounts ft)r the year ended 31 December 2024 which comprise the Receipts and Payments AcCOunt,Balan￿ sheet and related notes. In accordance with your instructions, we have compiled these accounts from the accounting records and information and explanations supplied to us. Miah & Company l London) Ltd Accountants & Tax Consultants 16 A Well Hall Parade Eltham London SE9 6SP 14.05.2025 ZAM ZAM CHARITABLE TRUST Charity commission registration: 1132716 Receipts and pauments accounts for the year ended 31 December 2024 2024 2023 Receipts 197,163 164,518 Payments Donation and charities Bank charges 180,781 1,788 193,748 1,891 182,569 195,639 Net of receiptsl(payments) 14,594 31,121 ZAM ZAM CHARITABLE TRUST Charity commission registration: 1132716 Balance Sheet as at 31 December 2024 2024 2023 Assets Loan given { korjee hasana ) Banklbuilding society balances 2,500 180,348 182,848 2,500 165,754 168,254 182,848 168,254 Net Trust assets represented by Capital account.. Balance at start of period Net of receiptsl(payments) 168,254 14,594 199,375 (31,121) 182,848 168.254 ZAM ZAM CHARITABLE TRUST Notes to the Accounts for the year ended 31 December 2024 1 Accountlng basis The accounts have been compiled on a basis that enables profits to be calculated in accordance with UK Generally Accepted Accounting Practice and that provides sufficient and relevant information to enable the completion of a tax return. Charity registration Number: 1132716 ZAM ZAM CHARITABLE TRUST Accounts 31 December 2024 ZAM ZAM CHARITABLE TRUST Trust Information Charity reglstration No 1132716 Chairman M U A Chowdhury Accountants Miah & Company ( London) Ltd 16 A Well Hall Parade Eltham - London SE9 6SP Bankers HSBC Bank ## **ZAM ZAM CHARITABLE TRUST** ## **Approval statement** I approve these accounts which comprise· the Receipts and Payments Account, Balance Sheet and related notes. I acknowledge my responsibility for the accounts, including the appropriateness of the accounting basis as set out in note 1, and for providing all the information and explanations necessary for their compilation. > M U Chowdhury M U Chowdhury 14.05.2025 2 ZAM ZAM CHARITABLE TRUST Accountants, report on the accounts to ZAM ZAM CHARITABLE TRUST You have approved the accounts ft)r the year ended 31 December 2024 which comprise the Receipts and Payments AcCOunt,Balan￿ sheet and related notes. In accordance with your instructions, we have compiled these accounts from the accounting records and information and explanations supplied to us. Miah & Company l London) Ltd Accountants & Tax Consultants 16 A Well Hall Parade Eltham London SE9 6SP 14.05.2025 ZAM ZAM CHARITABLE TRUST Charity commission registration: 1132716 Receipts and pauments accounts for the year ended 31 December 2024 2024 2023 Receipts 197,163 164,518 Payments Donation and charities Bank charges 180,781 1,788 193,748 1,891 182,569 195,639 Net of receiptsl(payments) 14,594 31,121 ZAM ZAM CHARITABLE TRUST Charity commission registration: 1132716 Balance Sheet as at 31 December 2024 2024 2023 Assets Loan given { korjee hasana ) Banklbuilding society balances 2,500 180,348 182,848 2,500 165,754 168,254 182,848 168,254 Net Trust assets represented by Capital account.. Balance at start of period Net of receiptsl(payments) 168,254 14,594 199,375 (31,121) 182,848 168.254 ZAM ZAM CHARITABLE TRUST Notes to the Accounts for the year ended 31 December 2024 1 Accountlng basis The accounts have been compiled on a basis that enables profits to be calculated in accordance with UK Generally Accepted Accounting Practice and that provides sufficient and relevant information to enable the completion of a tax return.