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2024-12-31-accounts

SABA RELIEF & DEVELOPMENT FOUNDATION LIMITED Company Limited by Guarantee

Trustees’ report and financial statements for the year ended 31st December 2024

saba relief Yemen, Humanity and Hope

Registration number 07923498 Charity number 1150360

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Our vision is to be the catalyst for change in Yemen

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Contents

Contents
A message from the Chairman 4
About us 6
Trustees' report 9
Achievements and performance 14
Flagship projects 17
Financial review 33
Structure, governance & management 36
Statement of trustees' responsibilities 39
Auditors' report 41
Financial statements 47
Notes to the financial statements 51

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A message from the Chairman

Peace and blessings be upon you all

On behalf of Saba Relief & Development Foundation, I extend my heartfelt gratitude to all our donors, friends, and well-wishers. Your unwavering support, kindness, and generosity have been a source of hope and strength for countless families in Yemen during these extraordinarily difficult times.

The ongoing conflict has brought immense hardship marked by widespread displacement, economic collapse, and the devastating impact on the daily lives of innocent civilians. In the face of this unprecedented suffering, your support has been nothing short of vital. It has allowed us to reach those in urgent need with essential food packs, clean water, and critical medical aid.

Thanks to your generosity, our dedicated team of staff and partners have continued to deliver life-saving assistance. Our signature projects, including orphan sponsorship, the provision of fresh bread from our own bakery, access to safe, clean water, and medical treatment for critical and, in some cases, terminal conditions have brought relief and hope to millions.

Children, tragically, remain the most affected victims of conflict. Our orphan sponsorship programme ensures that these vulnerable young lives are fed, clothed, educated, and cared for in a nurturing environment. We strive to give them the childhood every child deserves—one filled with laughter, learning, and love. By investing in these children, we are planting the seeds of a brighter, better future for Yemen.

While immediate humanitarian relief remains a priority, we are also committed to long-term solutions. Our sustainable development programmes focus on education, vocational training, and support for local economies. By empowering communities, we foster resilience, self-reliance, and the dignity of building a life through one’s own efforts.

These achievements are a testament to you, our generous donors, devoted partners, and tireless staff and volunteers. We could not have done this without your compassion and commitment. On behalf of the Board of Trustees, I offer our sincere thanks and assure you of our full commitment to transparency and accountability in everything we do, from the inception of a project to its delivery on the ground.

In the spirit of openness, I would also like to inform you that 'Saba Relief & Development Foundation is currently cooperating with a statutory inquiry by the Charity Commission. We are using this as an opportunity to strengthen our systems, policies, and governance to ensure even greater transparency and accountability Our aim is to ensure full compliance with all regulatory requirements and to strengthen the overall transparency, governance, and accountability of the charity. We remain committed to maintaining the highest standards in all areas of our work, for the benefit of those we serve and in full trust of those who support us.

The path to recovery for the people of Yemen is long and fraught with challenges. But we remain steadfast in our mission. With your continued support and prayers, we believe we can inspire hope, rebuild shattered lives, and help create a future in which every man, woman, and child can live with dignity, purpose, and confidence. Thank you once again for standing with us.

Warm Regards,

Anis Ali

Chairman, Saba Relief

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From the CEO's Desk

Peace and blessings be upon you all

It is with great honour and deep responsibility that I begin my journey as Chief Executive Officer at Saba Relief & Development Foundation. Joining this organisation at such a critical time, both for Yemen and for the humanitarian sector globally compels me to build upon the solid foundations laid before me, while also guiding the charity toward a resilient and forward-looking future.

What drew me to Saba Relief is the genuine, grassroots impact of its work and the dedication of everyone involved, staff, volunteers, partners, and supporters alike. In my short time here, I have already witnessed extraordinary commitment on the ground: people who go beyond the call of duty to deliver not just aid, but dignity and compassion, even in the most challenging environments.

My focus as CEO is clear: to strengthen the organisation from within, enhance our systems and governance, and ensure that the trust placed in us by our supporters is honoured through transparency, integrity, and tangible outcomes. This includes investing in our people, improving operational efficiencies, and applying robust quality standards across all programmes and activities.

As part of our organisational growth, we are currently engaged in full cooperation with the Charity Commission’s statutory inquiry. This is a moment of reflection and refinement for us, an opportunity to further strengthen our processes, reinforce accountability, and emerge as a more resilient and compliant organisation. We take this responsibility seriously and are committed to continuous improvement, not just for compliance, but for the communities we serve.

Looking ahead, I intend to prioritise sustainable, community-led solutions. We will listen more deeply, work more collaboratively, and focus on long-term development strategies that empower local communities and enable them to recover with strength and self- reliance. Our future lies not only in how we respond to crises, but also in how we help communities build back with dignity and opportunity.

I am deeply grateful to everyone who has made Saba Relief what it is today. I look forward to working closely with all of you, donors, colleagues, partners, and community leaders to advance our mission and extend the reach of our impact. Together, we can shape a future where humanitarian aid is not only a lifeline, but a pathway to lasting change.

Warm Regards,

Saleem Ahmed Chief Executive Officer, Saba Relief

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About Us

About Us

Saba Relief & Development Foundation is the UK’s first registered charity dedicated exclusively to supporting the people of Yemen. Since 2012, we have been committed to alleviating poverty and suffering in one of the world’s most severe and overlooked humanitarian crises.

Founded in response to Yemen’s growing instability, our work is shaped by first-hand assessments of the country’s urgent needs. Millions remain displaced, children are malnourished, and basic services such as food, healthcare, shelter, and clean water are critically lacking.

Today, over 24 million Yemenis require urgent humanitarian assistance, with a child dying every ten minutes from preventable causes. In this context, our mission is more vital than ever.

Guided by empathy, integrity, and impact, Saba Relief delivers life-saving programmes focused exclusively on Yemen. Our initiatives provide food, medical aid, education, water, and shelter to those most in need.

Despite limited media attention and funding, we remain unwavering in our commitment. Yemen may be underreported, but it is never forgotten. We continue to raise awareness, mobilise resources, and advocate for lasting change, because every life matters.

Join us in making a meaningful difference.

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Legal and Administrative Information

Charity Name: Saba Relief & Development Foundation Limited Charity Number: 1150360 Charity Registration Date: 07/01/2013 Company Number: 07923498 Company Registration Date: 25/01/2012

Address and Registered Office

Unit 3 29 Henley Street Birmingham West Midlands United Kingdom B11 1JB

Trustees Board

Mr Anis Ali (Chairman) Mr Mohammed Hasham (Secretary) Mr Musaid Musaleh (Trustee) Ms Asma Iftikhar (Trustee) Mr Rashed Gudal (Trustee)

Website

www.sabarelief.org

Bankers

Llyods Bank PLC 25 Gresham St, London EC2V 7HN

Unity Trust Bank PO Box 7193, Planetary Road, Willenhall, WV1 9DG

Auditors

Meer & Co Chartered Accountants No 1 Cochrane House Admirals Way Canary Wharf London E14 9UD Website www.meer-co.com

Accountants

Keytax Ltd 220-222 Warwick Road Birmingham B11 2NB

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Trustees' report for the Year ended 31st December 2024

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Trustees' report for the year ended 31st December 2024

The trustees, who are also directors of the charitable company, are pleased to present their annual report and financial statements for the year ended 31 December 2024. This report has been prepared to meet the requirements of the Companies Act. The financial statements comply with the Charities Act 2011, the Companies Act 2006, the Memorandum and Articles of Association, and the Statement of Recommended Practice for charities (applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK - FRS 102).

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Trustees' report for the year ended 31st December 2024

Our guiding principles

01[FOCUS]

We recognise that the plight of the Yemeni people is underrepresented in the media, while the challenges and calamities they face are ever-increasing. The Board of Trustees for Saba Relief is made up from the local community including members from the British Yemeni community which, helps in highlighting the situation in Yemen.

In addition, Saba Relief’s leadership and staff maintain close ties to Yemen, ensuring that our programmes are shaped by authentic insight and a deep understanding of the country’s needs.

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02 HUMANITY

Our aim is to implement projects that deliver tangible relief and assistance to those in need. Through Saba's own efforts and those of our partners, we endeavour to positively impact the lives of as many Yemenis as possible. Our response work is currently modest and limited. However, we are striving to reach a broader cross-section of the most affected in Yemen. We will continue to enhance our regional response efforts to reach more vulnerable people across Yemen.

03 NEUTRALITY

Saba Relief is an independent, impartial organisation that does not serve the interests of any political or religious group. We aim to provide assistance to all Yemenis regardless of their religious or political affiliations, as well as their ethnic or geographical backgrounds. Whether an individual is a citizen, a refugee, or does not have recognised status, our goal is to assist them impartially and without prejudice.

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Trustees' report for the year ended 31st December 2024

Objective and Activities

Saba Relief is dedicated to alleviating suffering in Yemen by addressing hunger, disease, and the broader impacts of conflict. Our goal is to save lives and promote wellbeing through essential support, including food, clean water, healthcare, education, clothing, and long term development.

All objectives are aligned with the Charity Commission’s public benefit guidance and subject to continuous review to ensure strategic relevance and maximum impact.

OUR VALUES

We extend heartfelt thanks to our dedicated volunteers and regular donors whose tireless efforts have significantly increased both engagement and donations. Their contributions through events, outreach, and partnerships have strengthened our network and enhanced our capacity to serve.

OUR VISION

To be a beacon of hope for Yemen, delivering urgent relief and fostering long-term transformation. Our vision is a future free from poverty and hardship, where every Yemeni has the opportunity to thrive.

Compassion is at the heart of everything we do. We believe every individual deserves dignity, care, and the means to meet basic needs. We are committed to excellence in aid delivery, guided by transparency, accountability, fairness, and a deep sense of social responsibility.

OUR MISSION

To serve our communities and individuals throughout Yemen in order to improve their living conditions by becoming productive and self-sufficient, which will allow them to flourish.

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Achievements and Performance

WHAT WE DO IN YEMEN

Over the years, we have made a significant impact on Yemeni society, reaching out to a number of cities in need. We implemented numerous projects that served Yemen's most vulnerable people by addressing the root causes of poverty and empowering communities.

HADRAMAWT

AL JAWF

AL MAHRA

HAJJAH

SANAA

SHABWAH

AL HUDAYDAH

AL BAYDA

IBB

ABYAN

TA’IZZ

----- Start of picture text -----
ADEN
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FOOD 6,300 Families were fed

WATER 1.16m Families benefited from our water project

ZAKAT 8,800 Families received

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Achievements and Performance

In 2024, hope reached millions of vulnerable Yemenis through Saba Relief’s work. With the support of our donors, we expanded our humanitarian programmes on an unprecedented scale, bringing life-saving aid to communities enduring the country’s ongoing crisis.

Across Yemen, from Taiz and Aden to Sana’a, Dhamar, Al-Hudaydah, Ibb, and Shabwah, our projects met urgent needs for food, water, medicine, clothing, education, and shelter—while also helping to build pathways toward longterm resilience.

In total, we reached over seven million people in 2024. Yet Yemen’s humanitarian crisis remains dire: millions face hunger, illness, and displacement, and the scale of need continues to outpace available resources. To save more lives and build lasting resilience, it is vital that we sustain and expand our life-saving interventions.

Saba Relief’s projects are designed not only to address immediate humanitarian needs but also to empower communities in line with our charitable aims: relieving poverty, advancing education, improving health, providing access to clean water, and supporting vulnerable groups such as orphans.

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Flagship Projects

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Achievements and Performance

ORPHAN

SPONSORSHIP

In 2024, our Orphan Sponsorship Programme supported more than 1,800 children who had lost one or both parents. Through the provision of food, clothing, healthcare, and education, these children were cared for with dignity and given the stability they deserve.

Beyond meeting their essential needs, sponsorship provided stability and emotional support, helping them to grow in an environment of safety and belonging. Gifts and clothing on special occasions reinforced joy and inclusion, while sponsors were able to build personal connections through letters and updates. This programme lies at the very heart of Saba Relief’s charitable aims, upholding our duty to care for orphans while relieving poverty and hardship.

What makes our orphan sponsorship special?

Our programme has supported over a thousand orphans in Yemen, providing essential care and improving their quality of life during challenging times.

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Achievements and Performance

EDUCATION

Empowering the next generation

Education is one of the most powerful tools for breaking the cycle of poverty. In 2024, Saba Relief enabled over 2,700 children to attend school by providing kits, uniforms, and support for both students and teachers. For many, this assistance made the difference between staying in school and being forced into labour.

By opening doors to learning, we not only gave children the chance to dream of a better future but also equipped communities with the foundations of resilience. This programme directly reflects our aim of advancing education and empowering the next generation toward long-term self-reliance.

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Achievements and Performance

HEALTHCARE

Healthcare in Yemen remains one of the most urgent needs, with many families unable to access even basic treatment. In 2024, our programmes reached around 20,000 people with medical kits, medicine distribution, urgent care, and outreach to remote communities.

These interventions saved lives, prevented outbreaks of cholera and diphtheria, and gave families hope where little existed. By delivering health services to those who would otherwise go without, we fulfilled our charitable aim of preserving health and relieving suffering.

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Achievements and Performance

ZAKAT DISTRIBUTION

Fulfil this great pillar of Islam. Help those in need in Yemen

Zakat is more than an obligation; it is a lifeline. In 2024, Saba Relief distributed financial assistance to nearly 9,000 households across Yemen, providing families with essential resources such as food, medical care, and financial support.

This assistance meant that parents could feed their children, buy medicine, and restore some sense of stability amidst crisis. In fulfilling both a spiritual duty and a humanitarian necessity, our Zakat programme embodies Saba Relief’s aim of relieving poverty and supporting vulnerable families with dignity.

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Achievements and Performance

BAKERY

In a country where food insecurity forces many families to survive on just a single meal a day, our bakery project in Taiz brought daily relief. In 2024, more than 38,000 people benefited from fresh bread and food essentials through this and related food initiatives.

For families on the brink of starvation, something as simple as bread meant security and survival. This programme directly addressed our aim of relieving hunger and poverty, while giving families hope and strength to focus on other pressing needs.

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sabireliefi sabarelief 4 Yemen, Humanity and Hope FAMILY WATIR SPONSORSHIP

Achievements and Performance

WATER WELLS

Access to clean water is one of the greatest challenges facing Yemen today. In 2024, Saba Relief restored wells and delivered safe drinking water to over seven million people.

This access transformed lives by reducing disease, improving health, and restoring dignity in communities where the daily struggle for water had become overwhelming. By providing one of life’s most basic necessities, we directly fulfilled our charitable aim of relieving poverty and preserving health.

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Seasonal Projects

Seasonal projects

WINTER AID

During the coldest months of the year, Saba Relief’s Winter Aid Programme supported over 2,000 orphans and displaced families with coats, blankets, and mattresses. For many, these simple items provided warmth, comfort, and safety against harsh conditions. This programme reflects our aim of relieving poverty and easing hardship among those most vulnerable.

QURBANI

Eid Al-Adha is a time of generosity and unity, and in 2024 Saba Relief brought nourishment and dignity to nearly 50,000 people through Qurbani distributions. For many, this was the only time in the year they could enjoy fresh meat.

Beyond easing hunger, the programme gave families the chance to celebrate and feel part of their community once again. In this way, Qurbani met urgent needs while fulfilling our charitable aim of relieving poverty and hunger with compassion.

RAMADAN

The holy month of Ramadan is a time for compassion, but for families in Yemen it can also bring hardship. In 2024, Saba Relief’s Ramadan campaign reached over 15,000 people with food parcels, clean water, and healthcare support.

This support eased the burdens of fasting while ensuring dignity and relief during a sacred time. The programme fulfilled our aim of relieving poverty and hunger while strengthening the bonds of community and faith.

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Seasonal projects

YOUR CONTRIBUTIONS

Your generosity is the foundation of our ability to deliver life-saving aid and long-term support to those most in need. Every donation, whether large or small, plays a crucial role in transforming lives and bringing hope to the people of Yemen. We are forever grateful for your support and trust.

To sustain and grow our humanitarian efforts in Yemen, our fundraising team continually develops innovative and impactful strategies to generate vital support. These efforts encompass a wide range of activities, including digital fundraising, community events, general collections, strategic partnerships, project-specific donations, and other creative initiatives designed to engage supporters and raise awareness.

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Financial Review

Financial review

Income

During the period of 2024 Saba Relief charity has raised £4.6m by 31st December 2024. There has been an increase compared to the prior year (2023: £3.1m). Disasters have impacted charitable donations, Last year's focus was on the earthquake in Turkey, which resulted in lower collections for Yemen. We are extremely grateful to our donors and partners for helping us achieve this amount and also for having confidence in our ability to deliver for the beneficiaries.

The financial statements are for the 12 month period from 1st January 2024 to 31st December 2024. The main source of the funding for specific programmes continues to be the funds provided by the general public and by our partners and organisation

Fund Source Amount General Public & Partners £4.6M

Cost of generating funds

The charity’s fundraising costs during the year were £439K (2023: £292K). This cost comprises marketing and media to raise funds for the charity.

Charity expenditure

During the year the Saba Relief charity has spent £4M (2023: £2.5M) to help a large number of its beneficiaries that we support in Yemen, from those charitable activities and raising funds that we have operated.

Restricted funds

These funds are fenced off and are to be spent in accordance to a particular purpose such as a particular public appeal or an agreement with the respective donor.

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Financial review

Reserves policy and going concern

Reserves are needed to bridge the gap between the spending and receiving of income and to cover unplanned emergency repairs and other expenditure. The Charity’s reserves policy requires that general reserves are reviewed on at least an annual basis to ensure they are at an appropriate level to fund Governance and Fundraising costs for at least six months. The trust had no restricted reserves at the end of the period. The amount of the total funds the charity held at the end of the reporting period on 31/12/2024 was £1.3M (2023: £1.2M). There were £0 [2023:£0] restricted funds at the end of the period

Future plans

Subject to satisfactory funding arrangements, the charity intends to continue its charitable activities outlined above in the coming years. Our charity has grown rapidly, and we are consolidating the infrastructure to ensure sustainability for the future in order to achieve its goals and objectives. We acknowledge that financial growth must be accompanied by the ability and capacity to assist the beneficiaries. It is essential for the charity to be able to respond quickly to emergencies should the need arise, so that aid and assistance can be provided where it is most needed in Yemen. In addition, we will continue to closely monitor the progress of the various projects, analyze their challenges, and make improvements where necessary.

Risk management

The board of Trustees reviews risk on a regular basis as well as when issues arise, and during the year adopted a new risk management framework to facilitate better risk management. As a responsible Board of Trustees, we take our responsibilities towards our staff, our donors, and our beneficiaries very seriously. Identifying and managing potential risks that might compromise our staff, our resources, or our ability to deliver our programs is an important aspect of fulfilling these responsibilities. A review of areas of potential risk by the Board of Trustees has led to the conclusion that there are sufficient controls in place throughout the organisation.

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Structure, Governance & Management

Structure, Governance & Management

The Trustees present their annual report and the financial statements for the year ended 31 December 2024 and confirm they comply with the Company Act 2006, Charities Act 2011, the Articles of Association and the Charities SORP FRS 102.

Governing document

The organisation is a charitable company limited by guarantee, incorporated on 25 January 2012 and registered as a charitable trust with the Charity Commission on 7th January 2013 under charity number 1150360. The company was established under a Memorandum of Association which established the objects and powers of the charitable company and is governed under its Articles of Association.

Organisational structure

The charity trustees are responsible for the general control and management of the charity. The trustees give their time freely and receive no remuneration or other financial benefits.

The trustees meet together as a body at least once in year and are responsible for all decisions taken in relation to running of the charity and the community facilities and the activities provided by the charity.

The day-to-day management of the Charity and community facilities and projects are delegated to designated director.

Recruitment and appointment of trustees

The existing trustees are responsible for the recruitment of new trustees.

In selecting new trustees, we seek to identify people of good standing in the community and are willing to volunteer to help in our broader community work. Potential trustees are invited to attend trustees' meeting as observers and are given more details of the charity's aims and activities and, if all agree, they are then proposed as new trustees at the subsequent trustees' meeting. This process allows due consideration of the person's eligibility, personal competence, specialist knowledge and skills

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Structure, Governance & Management

Induction and training of trustees

A number of publications, detailed guides and how to guides, from the Charity Commission are also provided including "What makes a charity", "Charitable purposes and public benefit" and "Public benefit: the rules for charities". This ensures that new trustees are aware of the scope of their responsibilities tender the Charities Act.

Risk management

The trustees have a risk management strategy which comprises:

These risks are managed by ensuring accreditation is up to date, having robust policies and procedures in place and regular awareness training for staff working in these operational areas.

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Statement of Trustees, Responsibilities

Statement of trustees' responsibilities

The trustees are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and regulations.

Company law requires the Trustees to prepare financial statements for each financial year. Under that law the Trustees have elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law). Under company law the Trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources for that year.

In preparing these financial statements, the trustees are required to:

The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

In so far as the Trustees are aware:

Auditors

Meer and Co are deemed to be reappointed in accordance with an elective resolution made under Section 386 (1) of the Companies Act 1985 which continues in force under the Companies Act 2006. These financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies' regime and SORP: Accounting and Reporting of Charities.

Approved by the Board of Trustees and signed on behalf of the board on 23 October 2025:

Trustee Anis Ali[AdL]

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

Opinion

We have audited the financial statements of Saba Relief & Development Foundation Ltd for the year ended 31 December 2024 which comprise the Statement of Financial Activities, the Balance Sheet, Cash Flow statement and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice). In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the charitable company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC's Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the entity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

Other Information

The trustees are responsible for the other information. The other information comprises the information included in the annual report other than the financial statements and our auditor's report thereon. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated.

If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charitable company and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report. We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 and Charities Act 2011 requires us to report to you if, in our opinion;

Responsibilities of Trustees

As explained more fully in the trustees' responsibilities statement, the trustees (who are also the directors of the charitable company for the purposes of company law) are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charitable company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charitable company or to cease operations, or have no realistic alternative but to do so.

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements. Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

We obtained an understanding of the legal and regulatory framework applicable to the entity and how the entity is complying with that framework. FRS 102, The Charities Act, the Charity SORP, and the Fundraising Regulator, are of significance in the context of the entity. We consider that the engagement team collectively had the appropriate competence and capabilities to identify or recognize non-compliance with laws and regulations. The audit team identified particular areas that were susceptible to misstatement as part of their fraud discussion which included revenue recognition and related party transactions. Audit procedures undertaken in response to the potential risks relating to irregularities (which include fraud and non- compliance with laws and regulations) comprised of:

inquiries of management and those charged with governance as to whether the entity complies with such laws and regulations; enquiries with the same concerning any actual or potential litigation or claims; inspection of relevant legal correspondence; review of board minutes; testing the appropriateness of journal entries and the performance of analytical review to identify unexpected movements in account balances which may be indicative of fraud. No instances of material non-compliance were identified. However, the likelihood of detecting irregularities, including fraud, is limited by the inherent difficulty in detecting irregularities, the effectiveness of the entity's controls, and the nature, timing and extent of the audit procedures performed. Irregularities that result from fraud might be inherently more difficult to detect than irregularities that result from error.

As explained above, there is an unavoidable risk that material misstatements may not be detected, even though the audit has been planned and performed in accordance with ISAs (UK). A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: https://www.frc. org.uk/auditorsresponsibilities. This description forms part of our auditor's report.

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Independent Auditors' Report to the members of Saba Relief & Development Foundation Limited

Use of our report

This report is made solely to the charitable company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the charitable company's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charitable company and the charitable company's members as a body, for our audit work, for this report, or for the opinions we have formed.

Haroon Rafique (Senior Statutory Auditor) For and behalf of Meer & Co Chartered Accountants and Statutory Auditors

Date: 23/10/2025

No1 Cochrane House Admirals Way Canary Wharf London E14 9UD

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Financial Statements for the Year ended 31st December 2024

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Statement of Financial activities for the year ended 31st December 2024

Unrestricted Restricted **Total ** **Unrestricted ** Restricted Total
2024 2024 2024 2023 2023 2023
Notes £ £ £ £ £ £
Income 2
Grants - 2,946,599 2,946,599 - 1,981,760 1,981,760
Zakat - 22,122 22,122 - 101,377 101,377
Orphan - 92,724 92,724 - 109,104 109,104
Qurbani - 1,034 1,034 - 33,272 33,272
Waterwell - 19,694 19,694 - 18,500 18,500
Donations 1,496,786 - 1,496,786 856,518 - 856,518
Rent receivable 20,722 - 20,722 15,250 - 15,250
Bank Interest Income 10,779 - 10,779 7,232 - 7,232
Total incoming resources 1,528,287 3,082,173 4,610,460 879,000 2,244,013 3,123,013
Expenditure on:
Raising funds 4 (439,148) - (439,148) (292,081) - (292,081)
Charitable activities 5 (950,629) (3,082,173) (4,032,802) (282,553) (2,244,013) (2,526,565)
Property maintenance costs (9,488) - (9,488) - - -
Total expenditure (1,399,265) **(3,082,173) ** (4,481,438) **(574,633) ** (2,244,013)(2,818,646)
Net gain / (loss) on revaluation 11 (41,568) - (41,568) - - -
Net income/(expenditure) 87,454 - 87,454 304,367 0 304,367
Transfers between funds - - - - - -
Net movement in funds 87,454 - 87,454 304,367 0 304,367
Reconciliation of funds: -
Total funds brought forward 1,621,303 - 1,621,303 1,316,936 - 1,316,936
Total funds carried forward 1,708,757 - 1,708,757 1,621,303 0 1,621,303

Page 48

Balance Sheet as at 31st December 2024

Unrestricted Restricted Total **Unrestricted ** Restricted Total
2024 2024 2024 2023 2023 2023
Notes £ £ £ £ £ £
Fixed assets
Tangible assets 10 11,539 - 11,539 5,494 - 5,494
Investments 11 380,000 - 380,000 421,568 -
Total Fixed Assets 391,539 - 391,539 427,062 - 5,494
Current assets -
Debtors 12 11,932 - 11,932 18,633 - 18,633
Cash and cash equivalents 1,314,945 - 1,314,945 1,188,721 - 1,188,721
Total Current Assets 1,326,877 - 1,326,877 1,207,354 - 1,207,354
Liabilities - -
Creditors: amounts falling
due within one year 13 (9,659) - (9,659) (13,113) - (13,113)
Net current assets/
1,317,218 1,317,218 1,194,241 - 1,194,241
(liabilities) -
Total assets less current
liabilities 1,708,757 - 1,708,757 1,621,303 - 1,621,303
Creditors falling due after
- - - - - -
more than one year
Total net assets 1,708,757 - 1,708,757 1,621,303 - 1,621,303
The fund of the charity 14
Restricted income funds - - - -
Unrestricted income funds 1,708,757 1,708,757 1,621,303 1,621,303
Total charity funds 1,708,757 - 1,708,757 1,621,303 - 1,621,303

The trustees acknowledge their responsibilities for complying with the requirements of the Companies Act with respect to accounting records and the preparation of accounts. These accounts have been prepared in accordance with the provisions applicable to small companies subject to the small companies regime and in accordance with FRS102, and the Charities SORP.

Trustee Anis Ali

Registration number 07923498

Page 49

Cash Flow as at 31st December 2024

Notes
Reconciliation of operating (loss)/profit to net cashoutflow
from operating activities
Net Income / expenditure
Depreciation
(Increase)/ decrease in debtors
Increase / (decrease) in creditors
Net (gain) / loss on revaluation
Net cash movement from operating activities
Cashflow statement
Net cash movement from operating activities
Capital expenditure
Change in cash in period
Reconciliation of net cash flow to movement in net funds
Change in cash in period
Net funds at start of period
Net funds at end of period
2024
2023
£
£
87,454
304,367
2,885
1,374
6,701
(13,633)
(3,454)
6,993
41,568
-
135,154
299,101
135,154
299,101
(8,930)
(421,568)
126,224
(122,467)
126,224
(122,467)
1,188,721
1,311,188
1,314,945
1,188,721

The notes on pages 51 to 61 form an integral part of these financial statements.

Page 50

Notes to the Financial Statements for the Year ended 31st December 2024

Page 51

Notes to the financial Statement for the year ended 31st December 2024

1 GENERAL INFORMATION

The charity is a private company limited by guarantee, registered in England and Wales and a registered charity in England and Wales.

The address of the registered office is Unit 3 29 Henley Street West Midlands B11 1JB

2 Accounting policies

Accounting convention

The financial statements have been prepared under the historical cost convention. Any investments are included at fair value.

The financial statements have been prepared in accordance with Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Charities Act 2011.

Income resources

All incoming resources are recognised once the charity has entitlement to the resources, it is probable (more likely than not) that the resources will be received, and the monetary value of incoming resources can be measured with sufficient reliability.

Where there are terms or conditions attached to incoming resources, particularly grants, then these terms or conditions must be met before the income is recognised as the entitlement condition will not be satisfied until that point. Where terms or conditions have not been met or uncertainty exists as to whether they can be met then the relevant income is not recognised in the year but deferred and shown on the balance sheet as deferred income.

Expenditure

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

Allocation of support costs

Support costs are those costs which do not relate directly to a single activity. These include some staff costs, costs of administration, professional costs and IT support. Support costs have been apportioned between fundraising costs and charitable activities on an appropriate basis.

Page 52

Notes to the financial Statement for the year ended 31st December 2024

Fund raising Costs

The costs of generating funds are those costs attributable to generating income for the charity, other than those costs incurred in undertaking charitable activities or the costs incurred in undertaking trading activities in furtherance of the charity’s objects.

Charitable activities

Costs of charitable activities comprise all costs incurred in the pursuit of the charitable objects of the charity. These costs, where not wholly attributable, are apportioned between the categories of charitable expenditure in addition to the direct costs. The total costs of each category of charitable expenditure include an apportionment of support costs

Foreign currencies

Monetary assets and liabilities denominated in foreign currencies are translated into sterling at the rates of exchange prevailing at the accounting date. Transactions in foreign currencies are recorded at the date of the transactions. All differences are taken to the income and expenditure accounts.

Financial Instruments

The charity only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

Fund accounting

Unrestricted funds are donations and other incoming resources receivable or granted for the objects of the charity without further specified purpose and are available as general funds.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Fixed Asset Investments

Investment property is a property (comprising of freehold land & building) held to earn rentals or for capital appreciation or both. Investment property is measured at fair value at the year end with changes in fair value recognised in profit or loss. Fair value is determined annually by an independent valuer with appropriate qualifications and experience in the category of property being valued.

Tangible fixed assets and depreciation

Depreciation is provided at rates calculated to write off the cost less residual value of each asset over its expected useful life.

Fixtures, fittings and equipment

20% reducing balance

Page 53

Notes to the financial Statement for the year ended 31st December 2024

Debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Cash and cash equivalents

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

Creditors

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

Taxation

The charity is exempt from corporation tax on its charitable activities

Pensions

The pension costs charged in the financial statements represent the contribution payable by the company during the period.

3 Income

The total income of the charity for the period has been derived from its principal activity wholly undertaken in the UK.

Grants
Zakat
Orphan
Qurbani
Waterwell
Donations
Rent receivable
Bank Interest Income
Unrestricted
2024
Restricted
2024
Total
2024
Unrestricted
2023
Restricted
2023
Total
2023
£
£
£
£
£
£
-
2,946,599
2,946,599
-
1,981,760
1,981,760
-
22,122
22,122
-
101,377
101,377
-
92,724
92,724
-
109,104
109,104
-
1,034
1,034
-
33,272
33,272
-
19,694
19,694
-
18,500
18,500
1,496,786
-
1,496,786
856,518
-
856,518
20,722
-
20,722
15,250
-
15,250
10,779
10,779
7,232
-
7,232
1,528,287
3,082,173
4,610,460
879,000
2,244,013
3,123,013

Page 54

Notes to the financial Statement for the year ended 31st December 2024

4 Analysis of Expenditure on Raising funds

Raising funds
Support Costs
Total
Unrestricted
Restricted
Total Unrestricted
Restricted
Total
2024
2024
2024
2023
2023
2023
£
£
£
£
£
£
411,412
-
411,412
269,002
-
269,002
27,736
-
27,736
23,079
-
23,079
439,148
-
439,148
292,081
-
292,081

5 Analysis of Charitable Expenditure

Charitable projects
Donor partners projects
Zakat
Orphans
Qurbani
Waterwell
Support Costs
Total
Unrestricted
Restricted
Total Unrestricted
Restricted
Total
2024
2024
2024
2023
2023
2023
701,008
-
701,008
74,843
-
74,843
-
2,946,599
2,946,599
-
1,981,760
1,981,760
-
22,122
22,122
-
101,377
101,377
-
92,724
92,724
-
109,104
109,104
-
1,034
1,034
-
33,272
33,272
-
19,694
19,694
-
18,500
18,500
249,621
-
249,621
207,709
-
207,709
950,629
3,082,173
4,032,802
282,553
2,244,013
2,526,565
Education
Financial Aid
Food
Health
Orphans
Seasonal
Shelter
Water
Total
Expenditure
2024
Support
Costs
2024
Total
2024
Expenditure
2023
Support
Costs
2023
Total
2023
£
£
£
£
£
£
81,751
5,394
87,145
39,600
3,547
43,147
2,205,167
145,501
2,350,667
966,072
86,535
1,052,607
253,075
16,698
269,774
195,302
17,494
212,796
83,075
5,481
88,557
6,300
564
6,864
545,892
36,019
581,911
424,250
38,002
462,252
322,180
21,258
343,438
486,723
43,598
530,321
99,054
6,536
105,590
35,000
3,135
38,135
192,987
12,734
205,720
165,608
14,834
180,442
3,783,181
249,621
4,032,802
2,318,855
207,709
2,526,564

Page 55

Notes to the financial Statement for the year ended 31st December 2024

6 Allocation of Support Costs and overheads

Wages and salaries
Employer's NI contributions
Staf pension costs
Self-employed contractors
Rent payable
Rates
Insurance
Computer bureau costs
Light and Heat
Printing, postage and
stationery
Telephone & IT Costs
Subscriptions
Travelling
Legal and professional
Accountancy
Audit
Bank charges
Depreciation on fixtures &
equipment
Raising Funds
Charitable Activities
Total
Raising Funds
Charitable Activities
2024
2023
2024
2023
2024
2023
£
£
£
£
£
£
76,380
75,245
7,638
7,525
68,742
67,721
-
260
-
26
-
234
526
4,193
53
419
473
3,774
103,415
82,105
10,342
8,211
93,074
73,895
18,350
17,999
1,835
1,800
16,515
16,199
1,484
4,072
148
407
1,336
3,665
2,114
1,289
211
129
1,903
1,160
-
3,632
-
363
-
3,269
1,000
100
100
10
900
90
3,280
2,608
328
261
2,952
2,347
11,388
3,410
1,139
341
10,249
3,069
9,934
-
993
-
8,941
-
355
13,983
36
1,398
320
12,585
25,266
-
2,527
-
22,739
-
1,800
1,800
180
180
1,620
1,620
6,600
6,725
660
673
5,940
6,053
12,580
11,993
1,258
1,199
11,322
10,794
1,374
-
1,374
1,717
-
1,717
277,357
230,788
27,736
23,079
249,621
207,709
Unrestricted
Restricted
Total Unrestricted
Restricted
Total
2024
2024
2024
2023
2023
2023
£
£
£
£
£
£
27,736
-
27,736
23,079
-
23,079
249,621
-
249,621
207,709
-
207,709
277,357
-
277,357
230,788
-
230,788

Page 56

Notes to the financial Statement for the year ended 31st December 2024

7 Support Costs and Overheads

Wages and salaries
Employer's NI contributions
Staf pension costs
Self-employed contractors
Rent payable
Rates
Insurance
Computer bureau costs
Light and Heat
Printing, postage and
stationery
Telephone & IT Costs
Subscriptions
Travelling
Legal and professional
Accountancy
Audit
Bank charges
Depreciation on fixtures &
equipment
Unrestricted
Restricted
Total Unrestricted
Restricted
Total
2024
2024
2024
2023
2023
2023
£
£
£
£
£
£
76,380
-
76,380
75,245
-
75,245
-
-
-
260
-
260
526
-
526
4,193
-
4,193
103,415
-
103,415
82,105
-
82,105
18,350
-
18,350
17,999
-
17,999
1,484
-
1,484
4,072
-
4,072
2,114
-
2,114
1,289
-
1,289
-
-
-
3,632
-
3,632
1,000
-
1,000
100
-
100
3,280
-
3,280
2,608
-
2,608
11,388
-
11,388
3,410
-
3,410
9,934
-
9,934
-
-
-
355
-
355
13,983
-
13,983
25,266
-
25,266
-
-
-
1,800
-
1,800
1,800
-
1,800
6,600
-
6,600
6,725
-
6,725
12,580
-
12,580
11,993
-
11,993
2,885
-
2,885
1,374
-
1,374
277,357
-
277,357
230,788
-
230,788

Page 57

Notes to the financial Statement for the year ended 31st December 2024

8 Employees

The average `monthly number of employees (including the Trustees)
during the year were:
Management staf
Employment costs
Wages and salaries
Social security costs
Employers pension contribution
2024
2023
5
5
2024
2023
£
£
76,380
75,245
-
260
526
4,193
76,906
79,698

The number of employees whose emoluments, pension contributions and employer's national insurance fell within the following ranges were:

£60,000 - £69,999

The charity trustees were not paid or received any other benefits from employment with the Trust (2023: £nil). The charity trustees were not reimbursed expenses during the year (2023: £nil). No charity trustee received payment for professional or other services supplied to the charity (2023: £nil). The key management personnel of the charity, comprise the trustees, media, marketing and IT, and fundraising officers. The total employee benefits of the key management personnel of the charity were £0 (2023: £0)

9 Corporation Taxation

The charity is exempt from tax on income and gains falling within section 505 of the Taxes Act 1988 or section 252 of the Taxation of Chargeable Gains Act 1992 to the extent that these are applied to its charitable objects.

Page 58

Notes to the financial Statement for the year ended 31st December 2024

10 Tangible fixed assets

Cost
Brought forward
Additions
Carried forward
Depreciation
Brought forward
Charge for the year
Carried forward
Net book values
As at 31 December 2024
As at 31 December 2023
Fixed asset investments
Investment Property at Fair Value
Brought forward on 01 January 2024
Decrease in fair value
Carried forward at 31 December 2024
11
Fixtures,
Fittings and
equipment
Total
£
£
10,972
10,972
8,930
8,930
19,902
19,902
5,478
5,478
2,885
2,885
8,363
8,363
11,539
11,539
5,494
5,494
Land and
buildings
Total
£
£
421,568
421,568
(41,568)
(41,568)
380,000
380,000

At the reporting date, the charity held investment property comprising freehold land and buildings. The investment property is measured at fair value at each reporting date in accordance with Charities SORP (FRS 102). The fair value of the property as at the year end date was determined to be £380,000 (2023: £421,568).

The fair value of investment property at 31 December 2024 has been determined based on a valuation carried out on that date by an independent RICS qualified valuer not connected with the charity. The valuation was in accordance with the RICS Valuation – Global Standards and FRS 102, using market approach to valuation, which provides an indication of rental value by comparing the property with other similar properties for which rental price information is available.

Page 59

Notes to the financial Statement for the year ended 31st December 2024

12 Debtors

2024 2023
£ £
Other debtors 11,932 18,633

13 Creditors: amounts falling due within one year

Social security and other taxes
Other creditors
Accruals and deferred income
2024
2023
£
£
997
1,559
262
4,954
8,400
6,600
9,659
13,113

Page 60

Notes to the financial Statement for the year ended 31st December 2024

14 Funds movement

Brought **Income ** Expenditure Transfers Carried
forward Forward
£ £ £ £ £
Funds - Current Year
Analysis of unrestricted funds movement
General funds 1,621,303 1,528,287 1,440,833 - 1,708,757
Analysis of restricted funds movement
Restricted funds - 3,082,173 3,082,173 - -
Summary of Funds - Current Year 1,621,303 4,610,460 4,523,006 - 1,708,757
Funds - Prior Year
Analysis of unrestricted funds movement
General funds 1,316,936 879,000 574,633 - 1,621,303
Analysis of restricted funds movement
Restricted funds - 2,244,013 2,244,013 - -
Summary of Funds - Prior Year 1,316,936 3,123,013 2,818,646 - 1,621,303

Page 61

Saba Relief & Development Foundation

Unit 3 29 Henley Street Birmingham West Midlands United Kingdom B11 1JB

facebook.com/sabarelief twitter.com/sabarelief instagram.com/sabarelief youtube.com/sabarelief

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Page 62

www.sabarelief.org