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2025-07-31-accounts

ANGLIA RUSKIN sfuDENTS' UNION FINANCIAL STATEMENTS FOR THE YEAR ENDED 31sf JULY 2025 Company Limited by Guarantee Number: 08064796 Charity Number: 1148574

ANGLIA RU KIN sfuDErirs' UNION FINANCIAL sfATEMENTS LY CONTEiirs Page Board of TrL￿eeS a￿1 Union Information Trustees Rwrt Independ￿t Auditors, Report 9-11 Statement of Finanaal Activities 12 Balan￿ Sh 13 ststement of C2sh Rows 14 Nrtes to Financial &at8nents 15-25

Page 11 NIN RMATION BOARD OF TRusfEES Rthan Rajesh - P￿dent and Chair of Trust&5 (Appcint& 31P June 2025), Vice P￿dert FAHESS (Appoint￿1 l July 2024 & Resigned W June 2025) Ramees Nazar- Acttvities Offi￿r (AFP)intsl 30th June 2025), Presithnt aTrJ Chair of Trustees (Apwintal l July 2024 & Resigned 30" June 2025) Jeena Thomas- Education Offi￿r (Ap￿Inted 30th June 2025) WI￿ Pre&dent FHEMS {Appx)inted l July 2024 & Resign&d 30th June 2025) Gawdham Mekith- Interrwtional & PGR Offi￿r (Appxsinted 30th ￿ne 2025) Vice Pre5idert F5E {ApwirtgJ l July 2024 & ResKJn8J june 2025) Rc6han Lal- Welfare & Liberdtion Officer (wint￿ 3[￿ June 2025) a Dileepan - President FBL (AptK)intsJ l July 2024 & Re&gned 30th June 2025) Samantha Wilks- Extemal Trl￿ee (Chair Of F&R Committee} (Appoint￿1 1st September 2025) Sian Myers- E￿Mal Trnstee (Chair Of HR & EE Committee) Ashley Cory- External Trustee (Chair Of A&G Comnittee) (ReS#Jn￿ 28th JanL4ary 2026) Humah Akram- External Trustee (Appoint￿1 l# August 2025} Julie Galvin- Extemal Tmstee (ioFointed 1st Smber 2025) Teresa Jordan- Extemal TrLE5tee {Chair Of F&R Committ￿) {Resigned 31st Augu 2025) Richard Halderthay- External Trustee {Chair Of A&G Committ￿} (Resign￿1 l August 2025) R￿hard Watson- Extemal Tntr (RÉgn￿ I. August 2025) CHIEF EXECLTfivE John Valerkou REGISTERED OFFICE East Road Cambridge CBI IPT AUDITORS Knox Crwper LLP 65 Leadenhall Street London EC2A 2AD BANKERS Uoyds Bank PIC l Legg Str Chdmsford CMI US

Page 12 ANGLIA RUSKIN sfuDENTS' UNION TRusfEES REPORT YEAR NDED 31sf JULY 2 25 The Trustees (who are a19> the Directors of the charitabk company for the purposes of the CDmpanies kt) present thar combined Directo￿ rek))rt and Trustee5' annual report, as requirejj by company Law, tcoether with the audlt8J finanaal statrments cl Anglia Ruskin StLJents' Union (the mmparw) for the year ended 31 July 2025. The TrLtstees C￿firn that the Annual Report and finanaal ststements of the company CoM￿Y with the current statirt(ry rquirements, the r4u1￿ments of the conwanvs govemirvJ d￿ment and the wovisions of the Ststement of Recommended Pracbce (SORP)'Accowting and Reporting by Charities, issued in January 2015. The Trustees and Dlrectors Reporfs have been combined undw the Companies Art 2006. Alms objedlves and actlvitle8 The Union 15 govemed by Artides of AsS￿latiOn, and the (biect Union is the adVa￿ement of education of stUd￿ts at Anglia Ruskin University for the wblic benefft by: Promotlng the interests and welfare of thdents at Anglla Ruskbn Universty during their period o15tudy and reprenting, supportlngi and advi&ng students Belng the reccrfjnised reprewtative dwnrl between studerts and Anglia Ruskn Universlty and any other extemal iM)JÈs Providin9 Sctial, cultural, wtingi arKI rec￿t￿)nal ¥ti￿tieS and forums d1xus5lor￿ and da)ate for the personal devekpment of Anglia RLsknn students. Our services and artIVi￿e5 that we prowde shape our Yffjrk to our new fivtryear strat&Jy Our stratsgy has beèn de&gd following consultstion with our stud￿ts, #aff and W stakehohJer& We worked wilh Ctsjntsrculture to ￿1p deveknp this nwl ambfaous pL7n is outlwied below, Vlslon: A sts￿ent powerej Union kn every Vol￿ matteT5, every tsmpus conne(ts and gcod vlbts are part of the cuknre. Mknlon: FNe campuses, one Union We Wlll Stsmlents In tharye The Unlon gattTers exten￿¥£ data on s)sJent lives and li*ens to Offi￿rS and members. Dlfference between t￿ng led IV siudents and ￿Ing truly student-led. Govtrnance will be restruthred to allow campLtses to thape th￿r own represertstion. We will indt¥le studènts in finanoal th￿￿-maknng. Investm@rt in turning dats into adion￿e ingghts. We ￿11 Exknd Students, RhJhts & Opp￿￿nItIe1¢ Add￿ low-level s55￿$ and 5y5tanie unfaimess in educatlcfi. Increase capaoty for academic policy aThJ campaign woth. Stren9then stLMlent lead&ship role5 (faculty reps (￿r5e reps, soaety ￿derS). Provide r￿urCeS to campuses to tobby ￿ kncal st￿l￿t isAJes. Pri(¥ib5e stsKlent em￿OyMent in SU roles.

Page 13 TRiisfEES REPORT YEAR ENDED 31- JULY 2025 We Wlll Bulld and Nurture Communities s￿dert sc(iebes remain central, informal communty-building OPForbJnitle5 must iftcwse. Spaces will be reJe￿g￿l to encourage sooal interaction. Proactively supplyt new student groups and ensure outreath to underrepresented siudents. Work with partners on hou51ngi transiX)rt, and safety. This is urthrpinned by Va￿eS that shape our ￿ha￿lOurS and our ways c vthing CreJYve- We think oUts￿e the box, leam from Mistsk￿ and ￿e our imwJinaknon. amllenglng - We push ourselve5, the Univtr￿ty students to think and () thlros dlfferenty. Induslve- We wlll Cham￿10n the divwgty of our s￿dents and of the ¢(￿mUnItieS are parc of. Sustrinable - We will chaMp￿n wdllHng, wlty, ar￿ jll51ice. make ethical decisms and help to grow a deaner, fairer pland. Cdknboraiive- We are bter WTr￿ we th trpjether. The Students, Union is split over 5 differert site5, Canbrithje, CheFmsfcfd, London, Peterbmgh and Writde, Each Camp￿ has its tswn team to be ab￿ to ddiw a bespoke SerV￿e that meets need5 ￿ the ￿dents at each of our campuses and delNer a tsiloral aptxDach. Within each Campus we do provide core seNlces, these indude academic representation, dubs arMI 9Jdetie5 nd events. We have an amazing advi￿ Servi￿ thatCQV￿5 all five campu5e5 is an invaluable service to our Jderts prowding confidential, independent advits tts our ￿Udeftts who need a￿Staftce and help with nawgation of academic regulations, a￿stIng with exceptional circumstances, appeals, academic misc0r￿uCt, student to s￿dent camplaints and StL￿knt to universty complaints. We continue to see an increase in demand for the ser￿￿ and this year have seen an Irrnse of over 15% in appDinknents taking us Iwer 1750 indlvldual apwjintments for the tsam. WlthSn the campus teams we provkle support for all of our students. Our work In representabon Supports students to campaign for change and represent thelr vlew5 at all levels ocr055 ARU. We hokj annual deitions for a variety of leadwthip positions. In 202+25 over 650 course, faculty, camws, al￿ institutional level presentatives We￿ elec￿, ensuring that our memb￿5 lead the direction of our Union. These representatives are voluntevs and 3ctively seek fe&lback from their colleagues to presert back to their tEaching staff to ensure continutyjs im[￿ement in their ￿l￿at[onal and student experien￿. The S￿dents, Union provide5 a lanje chthce of rttreational clubs and sociebes across wr campuses for students to Kitn. Our aim has been to grow the number of clubs and SOCIet￿S and the number of s￿dents wh) are members of these groups and g)cieties. kross all of our CaMpL￿S yve exceed8J over 200 groups arKI societis with over 3000 student membevs. groups are all Student-1￿ and, with 5UPWrt from our siaff team, ran over 6CQ events last year both on and off Camp￿5. We are seeing growth in ¢JJr clubs and e5 across all of our campuses.

Page 14 YEAR END Y 2025 We run dthlicated events across all of our camp￿5 throughout the year ￿ppOrting our belorvJing strategic theme. ()Jr events wokk to brirwJ si￿ents tojether and give than a sense of community. Ths year we ddivered hugdy successful wdcome weeks in Cambridge, Chdmsford, Petwt¢rough, Wrltue and London. These w&e delivered during bjth the septeM￿r and January intske peritsjs. In addition to this a further wdo)me week was provided at our London campus in May to welcome the new students who stsrted then. These w&ks prowde a warm welccffie to all new ARU Students, hdplng them to conne¢ make fiiend5 and prepare for studying at ARU. At these weeks we prowde a large numI￿r of events aim•l tts txovith a warm wdcome to all of tyjr students. Hlghlightsthis year included the wdcome fairs which saw over 70(K¢ thdents attending. We contlnue this prnw90n thmughout the y&ir. Highlights wthin the year were our Winter frdirs, end of year ￿lebrai10nS and our Holi Whe￿ hundreds of students caffR tsgether to cdebyats Fknli. We offer a range ofcommercial swi￿$ across our cam[￿￿$. Al CaMp￿S can make ￿ oftr online shop b) wrchase stabow and branded clothing. Ln thelmsford we 92 which is a café style operatlon sejli hot drinks arKI fDJd to duriro the day. En the ewEnirvJ, we run mary events in the Sp￿ Wlth a fully Sicensed bar. In Cambridge we pro¥ide a retail (Jd¢ sdling primarity brand&1 clothiw and atKJnery alongside craft materials for cxjr t students. There are 2 cafe5 at STnaller sites in Cambridge. These 2 cafe5 ao daytime ryerations selllng hot drinks and fcod to students. This year we tcok ober a café and bar at our Writtle campus folkn￿r￿j the mew wi February 2024. These ftym the hub of gxtal life at our Writde Camp￿ arKt are very popular. Also, at writt￿ this year we ran a 9Jmmer ball the sbjdentsi kyoviding food, drtnk, entertainment arKI awards. Over 70% of Wrltde stIAl￿ts attended ths years evenL Our dettgj offiw team ran a series of canpaKJns and events this on student feedback. MJtst4e hlghlights of the year indude the devek¥)ment of the One Voice campaign which 9)ught to in(rease the educational experlence for our sbjdent t￿. Thls campaign Consu￿ with many students and highllghted in depth the views of students and è n￿￿ter of steps and actions for the University to tske to imwove the overall alucational experien￿ of wr st￿en￿ Thls retNt was rec￿1 p)sitFvety by the University, and the offiw team have been working with the Universty to instil a ofthe5e actio1￿. The officers created a foxl pantry at our Chdmsford an(1 Cambridge camPL￿ to hdp thc6e St￿nts get the e55entials thatttw need in a cost-of-livlNJ crigs. The pantry provSd8J everyday essWtials such as rice, pasta, toilet rdls and tin5 of vegetatrle5. The panty has teen hugety Fwular with all of our stud￿￿ At our Writtle campus tlre has been a panbry in pla￿ for a number of years, and this has continued to SLbPPOrt many students. A tr￿using campalgn wa5 launched to housing issues for our students, the Offl￿r5 wixked at local and rb)Oonal tevel, ￿1vIng issues dlrecdy for thdents arkl worklng akng&de the Natk)nal Union of Students to Influen￿ and Icijby for s￿dert r¥hts in the new Housing bill,

Page 15 ANGUA RUSKIN sfuDENTS' NION TRusfEES REPORT YEAR ENDED 31- JULY 2025 Flnandal revlew The a(￿nts show a dKrease to the Union's gaRral unrestricted reserye5 of ￿2,816 (2024.. an increa OF £260). The Union spent £1,114,138 (2024.. £1,052,968) on A(fvi￿ and Representstion and £609,740 (2024: £609,739) on Student kbvities and £528,105 (2024: £493,881) on commLFnicaiions and marketing. The Unv)n's d￿cff( cn Student Venues Entertairments has worsened to £812,463 {2024'. £6(6,394) on a fijll b3SiS. A desgnat&l reserve kras LEen set up to reflect the remaining tngon liability of £686,813 whlch Is ￿able over next 12 yeais. The iThJusion of the overall pension dthot and ther deslgnated r&eNes resuK5 in the totsl r£t assets mounting to £515,85012024'. assets of £485,460). The Trustees note the Union has ended the fitwncial year with a defiat of £30,390 (2024: SurF4us of £1,844) and retsined General Reserves, exduding the pension defia¢ of £1,001,607 [2024: EI,034,423). The Union had net assets of £515￿50 at the y&irnd (2024: assets of £485,460) and rmlns financrally strong. At the year end, restri￿ fvnd5 of £68,674 (2024: É56,143) and £30,035 (2024: £16,248) r4)resent the unspent part of University grart which has been rinfaKed ft>r use in relation to ARU Lo￿n hAU P￿rL￿h p￿tiv￿Y. The Unkfi has a general reserves poliry of 3 months oErdting costs plus the financiab impli¢atiors of the top S risks in the union's risk register whith follows Charity Cc¥nmisgon guidan￿. We also have an invesbnent policy whid) invests temp(￿ary excess r&eTves whKh subiert trj remew enables additK)nal strategic S[￿ding. We curMtly have excess reseryes approwl ty the Trustee Board In order to Use the exce$5 funds. Arulia Ruskin Sttjdents, unl￿ (the'union? incorporated as a company liM￿d by guarantee (Company no, 08064796) on 10th May 2012, and on 15th Augusi 2012 registered as a legal entity with the Charity Commission {ChaTity . 1148574). The Charitable Company took over the assets atyj activitie5 of the existing unincorporat￿1 Union on 1st S¥>tember 2012 from which date it comMe￿ed operati)n5. The Trustee F￿r￿ operates four sub-committees trj supkKJrt their work and d￿lsiC￿ ma￿ng. The Finan￿ & R(d( Committ Overs￿ the financial and risk management of the Unl￿. The Appointments and &)v&nance Ccmmtitee over5ee5 the apwintmen¢ induction atvj development ofthe Board and Senior Manag￿ent Team of the Uni¢)n and the HR aM1 Employee Engagement Q)mmitt& Overs￿ the SUFP)rt and ¢evelopmwt of employed staff ark vduners. The renumeration C￿￿Mitt has the oversght of the Union's pay structure, which indudes the pay & reMl￿eratb)n of senlor personnel. Offi￿r Trusts are elect81 by the student body; External and Trustees are ar4xintèJ by a Co￿ltLIttyI Apwintments & Govemance Commtiee, and their ap￿4ntMertt is ratified by un￿rt Counol. Trustee5 rffeive a full induction into the Union, and all categories of Trustee are Offer￿ training and developmut oppK)rtunities to 9JPWrt them to be effective In thelr roles. The Tnjstees have paid due regard to guidance issu&J by the Commission on public benefft 4)nd other areas in de(idirKJ what activilies Charlty slKsuld urKlertake. Scheme of Dgated Authority is reviewed annually by Trustees. Delegated aut￿rity is given to the Chief Executive to manage the Union by impEementing the pdicy and strategy adoptsd by and within a budget approvql by the Trustees.

Page 16 ANGUA RUSKIN NION Tru EES REPORT Isr Ju Y 2025 The Union ts principamy fijnded vla a bk￿k g￿nt from Anglia Ruskjn Unherslty. The unl￿ wLYks dosely with the UnIve￿ty aThJ our Strategic Plan, recognisin9 the imkxjrtance of beirwJ a key partner LknlV￿ty, rellects OL desire to woF in partrwthip with the institutlon to deliver Ihir Corpx)rdte Plan. The Senior managernertT￿M The Qief Exec￿]ye is ￿pport&￿ by ￿0 Directrys, and alongskle spe(ialist finan￿, HR and Strateg￿ proj￿ staff trw fom the SeniLY Management Team. This team ￿0￿deS strategic management of the ￿lOn, manage5 its orerations promdes leadership for the staff and vdunteeT5. The Senior Managanert Team report to the Board and its su1￿COmMittees, ensurlThJ they are kept infomièj of all asp￿ of the OTWi5atirn. The tr•)ard aFprcve the strategy and b￿￿gets for the union. Kay PeNmnel Salarfes salaTte5 of ￿ personnd are determined by placing the ro￿ wthin a gyade knundary on the unic￿ s pay ￿le aThJ are sUbJ￿t to the approval of ts Trustees. Annualty remuneration s reviewed, a￿1 a￿rOpriate increments are awarded to empby&s in line with budgets. Each tfme the Job D￿ripliOn or respc￿s￿lItieS rf a role are changed con&deratrn is glven to the gr7de trfxtndary ￿st suitad to ts resF4)nb￿itseS of that rd& Relallonthlp wlth the Unlverslty The rdatictship UnIVer5￿ arKI the Un)n is estab5ished in the Regulations of Unlversty. The Union receives an annual Bllxk Grant from the Unrverslty, part-￿cUpt￿ a numberof bull dings ry￿ned by the University. A￿hoUgh the Unlort continues to generate supplemwltary fijnding from various mutual tradlng thtjes. It will always be dependent on the Univerty's sui¥rtJrt. There is no reason to beliebe that this or ￿u1Valent supp(rt from the UnIve￿ty wli I not continue the foreseeable future, as the Educati{￿ Act 199¢ impLEes a duty on the Uniw5ity to ensure the financial vtability of its student representative bTr. The Trustees have eyAmlnaJ the mai)r 5trdtaJic, business atKI opwatiffial risks fa￿ by the S￿dents, Union. A rfsk reglster has been establishgj aThJ is updatej at least annual￿. Where appropriate. systwns or procalures have been establish￿1 to Mili￿te the risks the charity faces. ￿d9￿tary and intemal Cofrtrol rlsks are Minim￿￿￿ by the im￿￿￿entatIon of proce[kn￿ for authorisatKsn of tran5artions ar￿ project& PrC(￿lure5 are in place to ensure compliance Nth health and safety of staff, volunteets and partlciparts all activitie5 organised by the Union. These pr(£&Jures are periDthcally r￿1&ye￿ to ersjre that they continue to meet the ￿dS of the tharity. The Tnjstees wulady reviÈw the Unic￿'S key strateglc risks to ensure the identified risks, and the assxiated actions, r￿￿ttln rdevant to the ￿ni￿,S devdoping needs and envircfiment. The FlnatKP and Risk CommtLtee consider risks at e￿ meeting as circumstances and events unfokl ea(h 5Ltscommitt cf the PJ)ard wularly mlews the risks p￿tinent to their areas of interest. This year has seen the continued devebpment CA the Risk RegISt￿ by mènagement as it is used In practi￿, liaising with the Finance a￿$ Risk commits's extemal expert as needed.

Page 17 The key strategSc rfsks renaSn as lJentlfled In prior years gNped urK1er the following sublKts: Measuring irthmal arKI extemal ri5k5: Complkince Flnanoal &)Verna[￿ & Strategy Operational Reputstr"on External Rlsks The key skntegit risks faang the Union Y￿re. ternal Extemal &)vernment Policy Hightr EducBtion Policy (particularly Teaching EXcdIen￿ Framework and Nati￿￿1 S￿dent Survey), Non-Hlgher EdLThtion Pc OngcAThJ Trljnd Unfver51ty Stratsgy- Recrultment SL¢ccess & fijndlng Legl4atfve Frame¥wrt-wlth reference to Charity Law Merger Wdtde College - AFIU wlth Wrtile College as of 29th FeLYuary 2024 which increa￿1 S￿dent numbers - the work and rf5ks In this area changed as the t￿OIe¢t evolved and the éeadline a oached. Networlfs ARU Studentg Union is a(ffliated to the National Union of Students. NUS is a c¢)nfederation of st(¥Jents' unlons arKI affilla￿n thwefore has no impart on the OFerating ￿lIcIeS adopted by ARU St￿jents, Union.

Page I ANGUA RUSKIN sniDENTS' UNION EES REPORT ENDED LY 202 srAIEMEiff OF TRiJsfEES' RE5PQNSXBXLmES Trustees are res￿nsIL￿e for prepariThJ the Annual Report and finaNial ststemats in accordance with applicable law and United KiThJdom Accounting Stsnd9rds (Unit&l Kingdom Gerwally Accepted Accounting Practtce}. Company Law requires the tharltsble CoMpan￿S Trustees to wepare finantial Sr2tem￿ts for each financial year which give a true and far wew of the State of affairs of the Charitsble Company and of its Inccffiing resour￿ ar￿ applicth of reg)urcts for tIKit perlcrfl. In preparing these fina￿la1 statements, the Trustees are required to: sel￿t gJitsiAè aCCC￿]ng ￿lI￿eS and aFyly than con&stently. Obwve the mhods and w6rKtples of the Charilies SORP. Make ILM1gen￿rts and esbmat&s that are reamble and wudenL State whether apF4icable acctsjnting standards have been followed, SLtiect to any mthal dep￿￿re$ thsclosed and wlained in the financial statements. and Prepare the financial statements on a going concem bass ￿lesS It Is Inapmiate to preswme that the Charitable C£Jmpany will continue to cfwate. The Trustees are rwnsble for keepirvj proFer accounting records which dI￿￿Se with ye￿￿nable acojw at any time the financial pJ)sltion of the Ctharity and enable them to ensure that the finanaal Statements comply with the Cc(npanies Act 20( and the prov19c￿S of the govemlng d(￿UmenL Tly art also responsib￿ for safeguarding the assets of the Charfty and hence for tsking reasonable steps for the wevention and detettion of frJJd and other trrewlarftSe& cLYffim tha¢ in the case of each ofthe pY￿r￿Who areTrue5 atthe date of thls rem the followiry aFWies: ) far as each Trustee ts aware there is no relevant audit inf(rntion (infomiatTon by the Charitable C(ThpanVs auditors in connection Y￿th preparin9 their report) of whlch the CharIta￿e Company's auditors are unaware. arKJ Each Tr￿ has taken all the steps nece55ary to make herselflhimselFaware of any relevant autht inf0M￿ticI1 and to establish that the Charitabk Ccfflpany a￿ltorS are aware of that infomiation. Al¥￿￿1 by Ihe Trust&s on 4th March 2026 and ggned on their lJeh* bv: han ial Trustee

Page | UA RUSKIN DENTS, DEP Opknlon We have èuditbj the financial statements of A￿lIa RuS￿n Students, Union Ilhe'charitst4e company) forthe yèar eridèj 31# July 2025 which ccmpr¢se the staternent Offin￿K•a1 actiwtE5, the bakirKe sheeL thestatewent of ca5hfiM aThl rntestrthe finarKial staternen15, ifKluthry a suffitllary of significant accounting Oicies. The financial rep)FtitwJ fram&V0￿ that ap￿1￿ in thar ￿paration is ar¥Jli12ble law United ￿￿ngdoM Accounting Standards, including FuMtKk?l RepJrknTrJ Stsndard 102 Reporti1￿ st￿￿1￿rd RewblK of (United ￿.￿g(￿M Generalty Atcthnting Pl¥t￿tI. tn our opini?n, the financial Statem￿&. gNe a true and fair view of thestate clthe d￿ritatIe cryrwarfsaffairsas of 31July 2025 aThJ ￿ts￿0)MIng ie9)uTres and applicatktin of resourttq for the year t￿ ended. havè bew prwrty pre￿￿￿ in aCCordar￿e with United ￿ngdoM Gerrally Accept8J knunti￿ Practi￿. aTKI have prepaod in atcordènce with the requirements of c￿MPa￿e% 200& Basig for opinion We coTrJuctd ojr aud¢t in accordan￿ wth lrtemational StsTrJards on ￿l￿.￿j (UK) IfsAs (W) and èprAicatde law. resp)rfyLMl￿es ufKlwttwstarK1ardsarèfurther Ilescri￿ in the Auditorfs responsiLil￿eS fortheaudrtof the￿na￿la1 5laternf￿ts S￿￿"0n ofour repNL We aye independent ofthechantable company in aCcOrd3n￿ wf(h the ethKal repu1￿rnents thataie rdevant ttb our awJf( of the financial statements in UK irKlJ<fing the FRCS Ethtal s￿￿rJ, and we have fulfilled Ujf Other ethical r￿￿￿.1￿(1@S in &Cor￿ar￿ with thesè requiremen￿ We believe that the audfc ewdence we have oblain&l is suffitient and arorowate to pThide a b3515 f(Y ￿Jr otnion. C4Kluslons relatlng to golng concorn In a￿rtIng the financlal statements, ￿ have concluded that the trust￿. LLse of the gKJlThJ corKern 14ss of K£ountiro in the p￿[￿ra￿ort of thefinan(ial ststwnwts LS èp[￿pftate. Based on the wort we h4ve ¢rf¢ym&J, we hwe wt identified any ￿teria uncatsinties reknbTrJ to everts or conrf((ins tha Individ￿￿11Y or colkntivelyi may cast significant doubt on the thirita￿ cf1rn￿1S abilty to continue as a wing CO￿eM for a pwiod of at knst iwel¥e mrNtth from ¥Yhen the financial &atements are aut￿rIsed for isgJ& r resFonsilylthes and the resp￿&bIlitieS cl the trustees ￿1th iesyttto going concwn are descnted in the relelrdrt ￿￿on$ cl thts rep Qth•r inlorm•tlon The other inforrftatson comprlw the Information Included in the annual rq)ort, other than the flnènria1 sL3tements and our auditorfs rÈKLJrt thereon. trust￿ are resporrible for the other inforniatim. our0pin￿Th on the financhi15tatements d(Es not cover the cther information and, except to the extent otherwise expliatty at8J in wr retxjrt we do rnt express any fomi of (x)nclLLSK)n thereon. In tj)nne£tion with our audit of the finartial stalements. our responS￿￿lty is to the other Inf0M￿t￿)n aTrJ. in dO1￿j so, conshr whether the other inforrnation is mrialty kncorsstent wth the finantial ststements or our k￿Y4￿￿e Oblain￿ in the audr( or otherwise aFffars to te Materi￿ty misstated. If we identify SLJch material i￿On￿stenc1eS or apparent materfal misstatemènts. wo ère required to detwmine whether there is a material Misstste￿nl in the financial statements or a materhil misstatement of the other informatw)n. If, bas&1 on the woth we have From￿, ￿ Cond￿ that there is a mtsial mtsstatement of this cther InforMa￿on, we are feqsjired to reFOrt that fact. We have Th)thirg tt) rewt in this Opthions on oth preKTibed lry the Companies Act 2006 In okxnK)n, Iiased tho work undertaken in wutse of the aLk1f(.' the I￿￿￿at￿Thn 9fven in the trustees, reFQrt which inchJde5 the dlr&tcrf reFQrt wepartry for the wriws of company law, for the financkl year for which the financial statements are pvepared is cong&ent with the ffnarKial statem￿, and the di￿l0￿, report Included vlthln the trustees, reEDrt has bn preparal in accordan￿ apFdicable legal U[ren￿l%

Page 110 LIA RUSKIN STUDENTS. INDEPEND NT DIT REPORT OF THE M MBERS Matters OD whlch we arn Yuwired io repNt by ex¢4ption In the light of tho kncwAe¢ and vThJerstanding of the thyritatle comparry ￿ tts ￿￿Onment obtained in the course of the aud¢ we not Hlendfied material mi55tstefflents in Il dIredc￿. rep)rt wtihin the trustees, rewL We h#¥e nothing to rep)rt In reS￿t ofthe tDlkn¥iffJ mattws in rdalm to the Companie5PKt 2LK6 rewires us to reF¢)rtto you , ift ￿r otxnK)n'. adeq￿te attojnting recordsh3￿ noi teen keK orr&umsèwtefor ourautht have not been rtteiv&l from brand)es Tr)t wsiteil by us,. or the finarKiaS ststements are In awment vAth the acrojnllng r￿ordS and olurns; or ¢ertain ￿￿k)sJrS of tnjstees, remuneTrtitin s￿Ified by law are not m,. or we have not receNaJ all the inftsrmat￿ aFMI explanat￿rts we require for our audil; VT the tsLStee5 we not entitled to prepare the finanual State￿nts in accordan￿ wlth the sffiall CoM￿rieS wirne and take advantwje of the srnall (orroanies, exempti)ns in prepar6NJ a strntegic re As eykiln&rf ffl0￿ in the tntstaes, resp)rtsits"lr(￿S #aternen¢ trustees I￿￿ are algo the ¢fIrett0￿ of the charitab ojrpany forthe pur[￿￿ of company law) are resprAtsib￿ for the wq)araUTr) of the financial 5tatemÈnts and for ban9 $i￿led that they 9Ne a true kir view. fc th irtemal coTrtroJ as the tru5tee5 determi￿ s r￿ceSSary to enabte t￿ preyratth) Offi￿￿￿71 staiemerts trar a￿ fr& from mateyial misststernenL dLt to frèud or enDr. In preparing the finartrdl staiements, the tNstees are frjr assessiNJ the comwfs atmtity to c(rfNe as a goiThJ m￿m, dixh)sl￿ as applicatde, fflattets rélated to 901￿ concem ar¥J using the coKern ba￿S of ￿￿ting unk55 thè trustéas either intend to li¢widate ts Ccffipaw or to cease ￿rat￿)rts, or have rD realistic Iwt to do 91 Au¢fkn's Y•4MxwlblMlleg for the audit of th• financial Jlatements (Jr ￿ are io otain reasLJnatse assurdnte at>Jut whether the finarKtal siatements as a whde are free from material m155tatement, whether due trfj fraud or errot. to issue an a￿￿1¢0￿5 reptyt ihat I￿￿deS our opinkjn. R&wnaUÈ asgjrance is hKJh level of assurarts is ncrt a guaTrThtee that an audit cornlucièj In accC#dan￿ ISAS IUKI W￿11 alw￿ detect a material misstatement w￿Tr (t exists. mi%ttt￿￿￿ts can arise from fraud or etTor aTrJ are Congder￿ m6tenal rf, ind￿ldUallY or in the a99￿98t4 thty cwld rèa9)nabty be &XFecled to inflLrth thÈ ec0nLfft￿ asKJns of uws ta￿Tr on basis of thse Tinar￿￿?1 Irregularities. including fraud, are Instan￿ of nOrK0m￿1an￿ aTrJ reguèti¢Jns. We a&ign proc8Jures In tlne with our responsibilities, oU￿1n￿l above, to material misstaternents in resw of irrèJuk7riti4 induding fraud. The extentto ￿1£h cur prryedures a￿ Ca￿b￿ of detst1￿ irregukritie5. indudng fra￿ is thiailed telow.. Ch¥itable Company i5 requ￿￿ to with t)th comparty and charity law arn1, Lwd on ow kTr￿￿edge of its actMtse5, we that the bjal rqU1ren￿rt to accuratdy aLttwntfor restrictd fuTrts was of key S&nthCa￿e. We gained an uThrstaThliThJ of how thè Charitab￿ company Com￿1•1 ts legal ènd re9ulatory tram￿lrk, indudng the requirement to pmpedy ac£cwnt for resttict& tlwh dwsth7s with nianagement and a wew of the documented pol¢cies, ￿¥￿￿ureS and contrcl& The audit team, whth s experi￿￿ed Ni the audlt of char￿e$, consbjered the chartiaile compan￿$ su$￿￿bIl￿ LD material rnis5tateMent arxl how fraud may ￿r. Our cdtsitrations induded the risk cl marogefftht ￿e￿mIe. Our aprmach was to check that all re5trirted ntome was properly I￿1d and sepaFatetyaccountwJ for and to ewre thatonly valid and appyopriate WasdIarf￿dto ￿5trirted fijnds. Tlis reviewr¥Ji)umal )Jiustmert£ and unusual tranacUor& A furth￿ description of tyjr respo￿v011tS for the au¢fft c( the fiTh3fKkil statements Is k¢aial on ￿ ￿naI￿la1 Rep)rting O)uKII s websiieat: wbww.frc.org.ukJaUditorsTe4K￿Ikn7rtle%. This dwiptKm fm5 part d our auditorfs reFort.

Page 111 AN ND PORT FTH MBE Ths rep)rt is m&Jè solely to the tharitbb￿ company's mÈmber5, a5 a body, in acctydarte wkh Chapier 3 ￿ Part 16 of the Compan￿5 PLt 20(￿. Our audit work has unrkrtaken. so that we moht stats to the (h6ritsble comparfs memters thtse matters wè èrt required to statè to thèm in an auditor's reFXYt and for no othw purtw. To the fvl extent wmitted ty Liw, e do not acopt or ￿￿n9b1111Y to ony¢Y>e othw than the chwitalAe company arvj the tharita￿e compa)ys m￿t￿rS a5 a Jxx*. our autht worK for thi5 repjrt or for the opinions we have fonned. l J ?d) è Stephen (Sentor StsbJtoryAJJd¥ior) For and on LEhaKof Knox Qopper LLP, Statutory Alldltor 65 Leadenhall Street ECM 2AD

Page 112 STA THE IN LY 2025 Unrestrlcted Genernl Funds R¢strirted Dtslgnated Total Funds Fund% 2025 T¢)tsl 2024 INCOME AND ENDOWMENTS FROM: Don?tlon$ and Grants od( Grdnt Srths Grant Otlw Grants Other C)nations Charltable Actlvltles Sbjdent Soaal Venue5 Student Acbwties 1,935,filO 109,360 643,633 $79,233 109A60 209,315 2,336,540 109,360 102,349 37,909 209,315 462.206 461206 65A54 345,151 9),185 65,454 Comrnunicaticts arKI MarkeknThJ 41,243 147 976 696 385 643 633 41,243 72,546 110 897 Totsl Zn¢ome 274 769 3 614 787 EXPENDmiRE ON. Charftsbl¢ A(vitia¥ student Sjoal Venues 904,587 431,568 889,064 431,645 160,767 160,767 22S,074 96,460 209,315 ¥274,669 59,120 651,455 &114,138 528,105 951,545 fy)9,740 1,052,968 493,881 Advlce and RepreS￿tatiOn Communication5 a￿1 Mark£*ing Revaluatlon of Penth Provlslon Total Expendltsre 15 284 465 3 $84 397 3 X13 093 Net Xncomel(Expendlture) Trants Bet￿ten Funds Net movement In fundg 39,521 565 (9,696) 30J90 1,84 15 Rec•ndllatlon of Funds Totsl FuThJs tI￿ght f￿ward Funds Carrled Fon¥ard 1034 423 98.709 All tsar15acl￿ns noted atM)ve derive from continuiNJ q)eRUon& Tr Mtes on p•Je 16 to 26 fomi part ofthese finan(ial statemdits

Page 113 NCE SHEEr 2025 2024 FIXED ASSETS Tangible Assets li 29,701 52,323 CURREpif ASSErs str￿ks Debtors Cash at Bank arKI In HaThJ 39,668 224,700 1 156 154 1,420.522 33,427 128.208 1251378 1,413.013 12 CREDITORS: Amwnts falllng due wlthln one year 13 NEf CURRENT ASSETS 1,113808 1,107,421 CREDrroRS: Amounts f4lling due after than one year P￿S1On Prwson 14 (627,259) (674.284) Total Net A￿l(LIabIlItIes) 515 Restrfcted Funds 15 98,709 72,391 Unrestrlcted Funds General Reserves Designated Funds 15 15 1,001,607 584fi66 515 1,034,423 These financial approv&J by the Board of Trustees on + March 2026 and are 9gnc￿ on thar L*halF by: John epl(ou Chlef Executive Roshan tsl Trustee The notes ￿ pagas 16 to 26 fomi part of these finandal statements Registered Company Numter: 118064796

Page 114 UA RUSKIN 'UNI STATEMENT OF CASH FLOWS 2023 2024 Cash Flo￿ from Operating Artivil Nel movewnl for the period Adjustmentsfor: D￿reciation Irtere& r￿￿Ved fmm InvesthRnts De¢rÈasel{l￿relSÉ) in D￿aSe/{lAC[È￿} in Debiors lrKrealID￿￿se} in Pertskm ProvsKJn 1rtr&l{O￿[eaSe} in Ckher Credf(ors Net Cash uged kn Operauno Athltles 21622 {11.095} (6.241) (96N92} {30A54) 22J3 (1178) 119,625) 22041 13594 38,019 12 14, 15 (10319) lrtere5t re￿we￿ from in¥e5tments Payments to acquÈ fued axsèts Net Cash used hb In¥estiffj Acllvities IlmS li 11,095 151124) Cash Flowsfrom Fmn(w Actl¥ill£s Loan ￿pay[Ner￿ Net Cash used lrt fifianclnA Aclfvltlos ar#Je in cash and ￿U￿alertts in thÈ perfod Cath equivaknts ot strrt of the pc*lod Cagh aml e4ulvalents atthe •nd vf th• p•lod {95,224) 1251378 (14.105) 1265 483

Page I IS ANGLIA NOTES TO THE FINANCIAL sfATEMEiirs FOR THE YEAR ENDE LY ACCOUNTING POLICIES Basis of Aco)untln The flnancial State￿nts have teen prepared In acCcyd3n￿ wlth the SE(ommendaUors of the StsterTWt of RKomrneTrJed Pradi￿.. 'Accounting arKI RetK)rbng by tharfYe5' (SORP 2015), the Compans Act 2CwJ6 and UK laDunt4ng Strndards indudlng FRS 102, the Flnanaal Re￿￿n9 Siandard applKabie in the UK and Republic of IrelaTrJ. Ar¥Jlla Ruskln sthderI￿ Lknicffi consi1t￿ a public trenefft entlty as d￿1￿ by FRS 102. The ￿slee$ conskr thatthere are no material uncertalnues alxxttlfr Cl4irty5 bj 0￿￿nUe asa ￿lryJ conc￿. All 15 rec(YJnW 0￿e ￿ chartty has entlttern￿t to tl Ino)me. fc Is probable Ilkit kncome will be re￿[V￿J, and the 4munt Df incorne r￿Nable can be measured reliabty. Donations are recognls8J when Angla Ruskin Sttxjents, Unkjn ha5 been notlftgj In wrfting of I￿h lthe ¥m￿j￿t and settlement date. In the event that a th)F￿lIOn is 5uble£t to cmdlUor6 that re4ure a ￿Ve1 of Ferformance before the c￿3rity ￿ entitled to the funds, the IrKnme Ls deferred and reccJnls&l untsl either those 0}nd￿onS are fiJlty rrt or the fulfllment of ts15e coTrJttlons bs wholty within the cortrd of tts tharity It ts probab￿ lJTrat those condilion5 will be futh11￿ in the re￿ti￿j Fwlod. Interest on funds held on deposf( is ir￿lUded when recLyvable and the amunt can te rneasJr8J relkb the ctrb3rtty: thls 15 normally upon N)tificatlon of the Intere# ￿ld or payabk by the bank. Expendiiuve rethgnitlon abilities are r￿n1￿1 as expertlthjre as as ￿re15 3 legal ￿ C£￿st￿jcti￿ obligatron comrnlttlng the tharity to that expenditure, it 15 probable that setuement will ￿ requlred, and the arnunt of the oblwJation can be rneèsured ￿1labty. All expendlbjre Is accounted f(Y on an ac(Jual ba￿. All expen￿ IrKfuthng supwt CC6ts g(wernan sts are allocated or apportbned to the applioNe expendlture headlngs baS￿j on the number of per￿ne1 in eath area of tharltable aofjvty. Ir￿Cover￿ts1e VAT ITrecoverdble VAT is tharg8J agabnst expendiU5re Iwdlng for whkh It was InI￿rred. Operatsnu Lease Agreements Rentals applirAble to opaating leases where substsntbalty all (( fv FMefft5 and r15ks of ownershlp remain wlth ttE k550r are tharged aJaknst proffts on a ralght-Ilne basis over ihe terDJ of ￿ lease. Penslon costs Jlrd Ru5knn Stydents, ￿￿0￿ parUdpate5 In the Sknlent Unlon sUperannua￿on $th￿￿e, a denneA benefit me which Is exiemally fvrbjed aTrJ contractexl out of the State Second Petwon. The stherrE is now dosed to fvture a￿rual. The fund Is vèlued at least every three years by a proftsslona￿ qualrft8J Independent aLJJJary with the rate5 of contributpjn payable telng detrrmlned by the sLheme trustees on the ajvke of the artuary. The thme LS a mulb"_empknyer $c￿e aThJ operate5 as a arraThJement wlth contrlbuttons paid at a r￿￿traIty agreed rate. A5 a consequen￿. no share of the underlyirrfj a%ets and ha￿'ll￿e5 can te direct￿ att￿but￿l to the Unlon. In these dwwmstrnces, contrtbuvors are ac£our*ed for as If Ihe were a defingj contrlbubon stheme based on acbjal Coythbutk)r￿ pold thyjgh the

Page 116 NOTES TO THE FINANCIAL sfATEMENTS FOR THE YEAR ENDED 31ST JULY 202 AccouirfiNG POLICIES {Contlnued) Taxatlon No prowshjn is in these Kcounts fcf tsx as the Urlon is entid8J to the exemph￿s avadth to Cha￿tieS all irKoThe15 akwod for Charitab￿ Tanglble Ilxed assets and thpredatlon Fix8J assets a￿ #ated at cost less accumula￿1 deprérBt￿. a￿ rrtGiritdised bebm £2,OLXI CD# p . Dekyeoaljon is d￿r9ed on a strdight.rine bas$ th&r estimated usefijl Ilfe as follryhs.. Fthres aThd Mtings S years ¢È Fjmiture arbj Fumiture 4 yeaF5 rrthnKal EqUipM￿t 3 years Cofflmefcial Equipment 3 years xed asset in¥￿tm￿￿ are stsbj at tt&t less inFair￿r￿ Strth a￿ Wdlued at ￿ lowffiof c05ts and net realtsable value, knr makirthj all{r•A￿e fu obs¢Aete arul $￿- ing Pund accourtiwj ricted fuThJs comwse income rewved to in ￿CordanCe wTrth specft nstnthrs imyK6ed by onors, less awJJod cos& ￿ aim and use Lrf each restrlcted fijnd i$ Set out in the YKXe5 to tlE aco)unts UnreriLteJ fun(ts are fvThJs avamable for use at the d￿(Tel￿)n of the Tn￿ in futhTan￿ cl wièral objectwes of tharity. DeS￿nated are set asde at the d1¥r&￿)n of the Twstees for include balarKe5 alk)cated to indiwdLwI dub5 and scr￿Lie￿ ￿￿)Uld othewwse fomi part ofthe gendl rerves. 2024 2025 Grants From Univer51ty BlrKk Grant Sports and gThtie5 (knnt Ots Grant other C￿￿tionS 1,935,600 109,360 643,633 1579,233 109,360 209A15 2,336,540 109,360 lo2￿49 209￿15 The Lkniversty alw prO￿e the Union with rent fr& acc￿l￿￿)datIon, in accordan￿ wlth an infom7al lic￿ agreement. The value of thi5 in-kind trtrjefit has not teen valued and indudeyl in thÈ at￿nts. The restricted hcome represents parts of the Universrty fundi￿ whlchls ring fenced fvr u in relation trj ARU LonthJn, ARV PeteTbOr0L￿h aThl AFiU Wfittle. See Note 16. The desiynat&l ￿CL￿ne of £209,315 relatas to the Unlveity canmitment to ￿pp￿t the cafes In Compass Fknu5e, Youro Strt and Thyme OUL as well as the Bar"Baa". The desI￿ated Other Donatior6 kn the prior year was the an￿Unt of cash h by Writve College Union at the time It Merg￿ with AW.

Page 117 AN LtA RUSKIN sniDE 'u￿0 NOTES TO ThE FINANCIAL sfATEMENTS C(￿nUed FOR THE YEAR E DED 31SF STUDENT SOCIAL VENUES 2025...-.-......-.......-...-... Entertalnment Total 2024 Totsl Sa￿$ Cost of Sales Gross Fknfit Stsff Salaries and Wages Other Direct Co Supr4)rt Costs 102,284 295,435 57,519 (30,742) (169,809) (39,080) 71,542 125,626 18,439 (129,054) (216,983) (40,847) (97,359) (57,265) 19,765) (94,251) (94,251) (94,251) {249,122) (242073) (126,424) 461206 345,151 1239,631) (188,307) 221575 156,844 (56,677) (443,561) (339,109) (50,084} (214,473) (89,839) (94,251) 377,004 (334,290) {194,044} (812,463) (606,394) -2025--------------- Unrestrlcted Restrkted Dtslgnated Total 2024 Total Income Dlrect Costs staff Salaries and Wages pport Costs 65,454 65rt54 90,185 (59,120) (146,376) (132,677) (128,074) {142,7TJ} 377.005 (334,290 6,334 (586,OOX) {519,555} 187,256) (128,074) 216,238) (If￿,767 (43¥568) (160,767) ADVICE AND REPRESENTATION -2025------------------ Unrestrfcted Restricted L)esignated Totsl 2024 Total Direct Costs stsff Salaries and Wages pport Costs (66,143) (520,188} (302,733} {225,074 {888.064) (225,074) {66,143) (61,433) (520,188) {523,529) (527W7 468,006 1,114138 (1,052,968 COMP4UtIlCATIONS AND MARKEfiNG --2025---------------__ Uwestrirted Restricted Designatsd Total 2024 Totsl Income Dirert Co#s stsff Salar￿5 and W 41,243 (115,053) {186,849) 129,743 390 41,243 (115,053) (186•9) 226.203 486,862 72,546 (109,281) (184,026) 2CKJ,574) 421,335 96,460

Page 118 Nl NOTES TO THE FINAN AIEMENTS END --2025-- UnresM¢trAd Restrlcted Deslgnated Total 2024 Totsl tral knces SaLaries arn1 Wages Penson Levy Premises and Equipment Cc6ts Administration and Finan Human R￿Urr£S and Payroll Professional Fees (499,305) (497,986) (4,024) (31.190) 3,027 (265,999) (145,143) (23,743) (2,966) (30,730) (9,960) (86951) (643.068) (997,291) (905,217) (024) {5,661) (28.163) (37,338) (41¥142) (315,074) (26,709) {33,617) (30,730) (31,153) {9,960) (9,100 {¥50&019) (1,337,160 Sl)Jdent 5xial Venues Sbjdgrt kuvltles AdvKe and Represertation CommunIcatior￿ and MathetiThJ {216,23n (160,767) (216,238) (160,767) (302,733) (225.074) (129,743} (96,460) (864951) 643,068 (377,004) 1334,290) (377,005) (334,290) (527WJ7) (468,￿6) (226,203) {2LK),574) (¥504019 (1,337,160) 2025 2024 Salaries and Wages Employus Nl Pengon C￿tribut￿5 (currart enwloyees) Penson L student Stsff Stsff costs currert L829,457 187fi98 89,465 4024 169,343 1279.987 1,699,028 148,081 8D,215 5,661 167,330 2,100,315 Penon CcrfrtributK)ns (past defidt) 16,030 2.290.017 2.195,275 Raaundancy payments of £14,662 w&e made dutlng the year (2024: nil). The average number of empW (full time equlvalents) during the pericrfl amountal to 65 (2024: 60). Ie emplwe eamed en￿lUrnents btheen £80,000 and £90,C(KJ (2024: 1). Key mawement persoftr￿ cor&sts of 7 persons whose comtxnEYl employee b￿ts including ￿SlOn5 amountal io £335,406 in 2024 (2024: 6 P￿pIe, £275,620). offi￿ trustees ￿1Ve reMune1ath￿ fDr ther 58wces as offi￿ts of the Unlon and the amunts Fkiid durrng the peri(Kl atE set out in note 21. No othw trustee received remunerath)n thwr swvice5 {2024: nil). ￿nSeS am￿ntIng to £l?77 wwe rM1￿￿ed to the truths durlng the wod (2024.. £65).

Page | 19 ANGLIA RUSKIN sfuDEpifs' UNION NOTES TO THE FINANCIAL sfATEMENrs Contlnued FOR THE YEAR ENDED 31- JULY 2025 PENSIONS The Union partiapated in the Students. Union Superannuatw)n 5d￿Me, wtmcti is a defin8J benefit stheme whose m￿nberShIp consists of employees of students, vnion5 and rela￿ bLKlie5 throughout the country. Benefrts in respett of seNtce up to 30th September 2003 are aC{n￿ on a Yinal salary. basls, wth benefits In respect of seNice from I￿ October 2003 accnjing on a Career Average Revaluej Eamings (CARE) bass. Wrth eff&t from 30th sept￿nber 2011 the scheme dosed to future ac£rual. The most r￿ftt valkjab.on of the scheme was ￿rrIed out as of 30th June 2022, wÈth the reput publish￿ in mid-2023 showed that the market value of the scheme s assets was £106.7m. These 055ets represented 44% of Ihe value of benefits that had accrued to members after allowing for • fu￿re increases in earnngs. The defiot on an ongoing fijnding ba￿S amounted to £136.6m. The 2022 valualion recommended 3 contribub'on requlrement by eath Unlon expressed in morthry temis intermled to clear the on-going fUr￿Ing deficit over a pericrtl of 13 years from Ottober 2023 (to May 2037) and will increase by 5% each year. The conthbutk)ns a150 indLMle an allowan￿ for cost of the on￿1ng adrninistrative and opuational expensÈs of running the Sck￿e. These rate5 applied with effect from I October 2023. In accordance with FRS 102 wov75ion has been madefor the discounted value of contributions payable. SLwpluses afKI defictts whith arise at future valuatrfrns will also impact on the Unions future cC￿tribUtion commitment. In addib'on to the above contributit)ns, the Union also pay5 ILS 5hareof the scheme5 Iw to the PensKJn Protection Fund, as per Note 8. The dis£ount rate applied was 5.5% (2024: 5.00kn). The net present value of the contn"butions that Anglla Ruskin Students, Union have agreed to pay over the next 11 years represents a liabllty at the yearnd of £686,813 (a rèJuctlc￿ of £30,554 from 2023124) See note 16. The de¢￿se in Ilablltty Is due to the unwlnding of the dLscount for the last year ba'ng I￿$ than the monthty payments made towards the fundlng deficL The total contrlbutlons pald into the xheme in Ftrt of the iijnding deficrt for the perlcd ended 31st July 2025 amounted to £46,584 (2024: £62,681). The Unton now particlpates In a further ￿ penslon Sch￿5. the NUSPS Pertsion Scheme, a define contribution xheme. of which 6% of gross salaries are paid in by the Union and 6% of net salaries a￿ pa in by ern￿oYeeS and AEGON pensiorb scheme, of whlch 3% of gross salar￿5 are paid in by the Union ar¥J 5% of net salalles are paid in by employees. The totsl contributions paid ￿t0 these further stheme5 by the Union in respert of eli4qble employee5 for the year ended 31st July 2025 amounted to £89,465 (2024: £80.215) see note 8. 10. NEf INCOMING RESOURCES FOR THE PERIOD This Is stated after tharylng: 2025 2024 Deprecth"on Auditors Remuneration Operating Lea￿ Costs 21622 9,950 22,343 9,500

Page 120 AN LIA RU DENTS. UNION NOTES TO THE FINANCIAL STATEMENTS Continu LY2 11. TAfiGIBLE FIXED ASSErs Equlpment & Flttlngs Other Totsl At 15¢ August 2024 Additions At 3101 July 2025 139,590 23,354 26,977 189,921 189 921 DEPRECIATION At 14 August 2024 Charge for the year At 31st July 2025 87,267 23,354 26,977 137,598 160 220 NEf BOOK VALUE At 31st July 2025 At 31sL July 2024 12. DEBTORS 2025 2024 [￿e from the ithivvsty Olher 219,535 105,208 223,095 126,443 other Debtr￿S VAT 5,470 6,558 128

Page 121 ANGLIA RUSKIN sfuDEfiTS' U Io NOTES TO THE FINANCIAL sfATEMErirs Continued LY2 13. CREDITORS.. Amounts falliwJ due wlthln one year 2025 2024 T/ade CredIto￿.. Due to the Univ&sity Other 32,275 34,659 27,096 27,096 66,934 OtrRr Cr8ditw5 indudry Toxatth 47nd PAYE and Social Se￿rity Pension Lt"abilty Accrua 57.462 59,554 163,002 36.204 43,083 159.371 28￿￿18 307,114 238,658 305 592 14. CREDfTORS.' Amounts falllThJ due after more than one year 2025 2024 PensM Llabilty 627 259 627 259 The pension liabilty 15 due to be paid over the next 11 years and is based on information prNded by the SLES. The PenS￿n Liability ts repayable over the following pericJs: 2025 2024 rhR Within One Year Bet￿een Two and Fwe Years More Than FNe Years 59,554 235.405 43.083 270,802 403 482 717367

Page 122 ANGUA NI END LY2 IS. FUNDS Balance Brought Forward InLymie Expendlture Tran51ers Balan Forward ARU LorKlon ARU Pelalxirough ARU Wiitue 56,143 16,248 338,000 168,717 136,916 71391 643,633 (325,469) (154,930) {162,669) (643,068) 68.074 30,035 25,753 25,753 98.709 Daslgnated Funds aubs and Sjdet Other sp￿ts Café F￿dIng Pension Liablity 65,454 {59,120) 72,143 30,204 30,204 209,315 (209,315) (16,030) (284rt65) (717,36n (62¥354) 46,584 46,584 (686,813) {584h66) 274,769 Funds General ReseNes 034rt23 I69￿385 (2,656•) (71337) 1,00¥607 485A60 3,614,787 {3,584,397) 515 The ARU LO￿On, ARU PeterlKJrough and ARU Wrth restricted fund5 r￿re￿nt unspent part5 of the univer￿ grant whlch are ring fenced for use in relats'on to ARU London, ARU Petertxjrough and ARU Writde. The designa￿ fvnd5 have be￿ established for use for the fc4l0￿ng pur￿se5. clUts￿s0oefr￿ 831antrs.' Funds raised thmugh membership, fundraising etc. by Univer&ty dubs and soaeties are ring fenc8J by the irKliwdual dubs and 9xdies for thelr own use. C￿Spo}￿8￿￿nCe5.'The Folicy rf the Unron is that any surplu5 on th funds are fenced and are to te allocatgj by the students. WriitteMeryer.'The arrnunt of cash hekl by Writtie Q)Nege ￿n￿n at the time cAthe merger was set aside to help cover tts cost of ARU Writtle athwbe5 POSt.m8ger. Qfe Funding." Funds provtded by Unfverw that allowed the Union to tske over opernoon of four commercial ouU&s on the Cambiidge and Wrfittle campus that run at a deficlt. PengL￿ Lkythlity.. These funds r￿nt the penslon liak411ty as set out In note g. Contrfbutlons are pald t￿t of ge￿al reserves and allocatejj against the penslon liatxlty via reseNe tran*.

Page 123 DE NI NOTES TO T Continued 16. ANALYSIS OF NEf ASSEfs BETWEEN FUNDS Rublrted Deslgnated Unrestrtctal Total Funds Funds Funds Funds 2025 Non<unEnt A55ets Net Current Assets C￿dItorS due after c)e year 29,701 971,gJ6 29.701 ¥113,408 (627,259) 515,850 98,709 42,793 (627,259) (584,466) 98,709 I,OOL607 ANALYSIS OF NEf ASSEfs 8EfwEEN RINDS {COMPARATIVE) Restiicted Deslgnated Unrestrictod Trtal Funds Fund$ Funds Funds 2024 Non.Current Assets Net Cu￿ent Assets Credthr5 due after Me year 52,323 982,100 52,323 L107,421 (674.2841 485,460 72,391 52,930 (674,284) (621,354) 72,391 1,034N23 17. COMMrrMENTS UNDER OPERATING LEASES At 31SL July 2025 the foliowiroJ operatiwJ lease payments are committed to be paid As•ts OtherTh•n Land & BuildiNJ$ 2025 2024 Within l year Wthln 2 to 5 years 5,215 2￿38 18. DONATIONS The Union made no donatlons to extrErnal bclies durlng the year. Where collectTon5 We￿ made by students on behalf of various charitks and lodged with the UINon, we acted as their agent in rwnltt+ng the funds b) the designated charity. 19. TAXATION The tharity is not liable to ccrporation tax a5 tt is ￿ti￿ed to trE eXempts"c￿S avaiL4tle to charlties where income earn&J is applied for thantsble purpose&

Page 124 GLIA RUSKIN DEKfs' UNION TO THE FI ANCIAL STA R THE YEAR ENDED 31sfJuLY 2 20. RELATED PARTY TRANSACnONS The Union'5 ￿lat[onshIP wlth Anglla Ruthln University 15 gov&ned by the Education Act 1994, under which the Governlng Body of the University has a legal requirement to, Inter alia, ensure the finarKial affairs ofthe Union a￿ proptrly cnnducted. The Union is also de￿fjent upon the UnIve￿ty for financial SUPM During the year the Unim was In rec￿pt of a bhxk grant of £2,579,233 {2024: £2,336,540), a (kstgnated Sports grant of EI09,360 (2024: £109,3￿) and fijrther grants of £209,315 (2024: £55,249) to allow the Union to tske over cafes a bar preMoU￿Y OFerabJ by the Universtty witlK)Ut athjitiorot flnarnal lia￿l￿.eS (2024: arKI É47,100 to support the Unlon with the exba costs in￿rr￿1 during the merger with Wrlth Ccllege). In addibon, the Union Oc￿p￿S Sts building on a rert-free ba515 under an fomal Ilcence wbiect to the Un￿n maintsining the buikling in a gocd state of repair. Anmjunts the to from the unlvaslty are set wt in ￿teS 13 and 14. The sabbatltsl members of the TNstee &)ard receive remuneration for their servKes as prowd&l for within the Consththon. The total aMO￿t payatrAe ftK the officexs during the year was £18i1,888 (2024: £137,975).

Page 125 ANGLIA RU N sfuDENTS' UNI NOTES TO THE FINANCIAL sfATEMEi¥rs Continu 21. COMPARATIVE SOFA 2024 General R¢strl¢t¢d D¢signated Funds Funds Fund$ T¢Jtal 2024 INCOME AND ENDOWME￿ FROM.. Donations and Grdnts Bbck Grant Sw)rt5 Grant other Grants other Donations Charltable Acthillles Student Sooal Venue5 Student Activrties Advi￿ and Representation Communicati?rs and Marketing Other Total Income 1.856,540 109,360 1336.540 109.360 101349 37,909 47,11 55,249 37.909 345,151 23,681 345.151 90,185 66,504 72,546 71546 2 508 152 159 662 3 204 937 EXPENDMIRE ON: Charltable Actlvltles Student S(Ktral V￿￿e$ Student ktivitie5 AdvKe and Representstion Communi&itions and Marketing Revaluatlon of Pens]on Ilrovislon Total EXp￿lture 728,189 404.n3 870,691 415,762 130,198 130,198 182,277 78,119 93,158 951,545 74,809 609,740 1,052,968 493,881 75 262 926 3 203 093 Net Incomel(Expenthture) Transfer Be￿een Funds Net movement In ftind$ 88,777 16,331 (103,264) Reconclllation of Funds Totsl Funds brought foTh¥ard Funds Carrl¢d Fornard 1034 163 483 616