CHARITY COMMISSION FOR ENGLAND AND WALES Trustees, Annual Report for the period From 18t January. 2025 to 315t December, 2025 Charity name: Liskeard & Looe Foodbank Charity registralion number: 1183375 Objectives and Activitles SORP fsr&n¢o Summary of th8 purposgs of the charity as set out In its governing document Para 1.17 'The object of the CIO is thé relief of financial hardship amongst P8opl8 in Liskeard, Looe and the surrounding area in such ways as the trustees from time-to-time think fit, in partlcular, but not &xclusively, by.. a} Providing èmergency food, 8SS8ntial toiletries, and hous6hold items to individuals and families in need andJor for distribution by charities or other organisations working to prevent or relieve POV8rty. b) By othtsr means, inGluding (but not limited lo) the provision of support or signposting to relevant informatlon and other advisory services. And c) By providing Ih9se services with a Christian ethos. supported by churches in Liskeard and Looe and the surrounding area. Summary ofth6 main adivili8s in relation to those purpos8s for th8 public benefrt. In partlcular, the activities, projects or services identified in the accounts. 1.17and 1.19 The Foodbank helps individuals and families in crisis through the provision of emergency suppli8s. A n8twork, consisting of health visitors, social workors and other oornmunily-based support workers and organisations, refers p60ple to the Foodbank centre where people collect food and toiletri&s. Other servIs, such as débt and benefits advice, are also available to help them out of their crisis. For our clients in rural areas or those unable to reach us. we lry to 8lther deliver dirocl or to a network of locatlons more convenient for them. Each person receives enough nutritionally balanced food for at laast three days.
Food is collected frorn donors, mainly at supermarkets, at churchos or Ihrough local groups. Money is also donated by the public which helps to cover administraliv8 costs and, occasIoally, is sued to purchase items which w8 run short of. We see food as a catslyst for change. Providing emergency food immediately meets a crisis with practical help.. however. we also work closely with Care Professionals and other agencies to look at longer-lemi stralegi8S, to identify thos8 in crisis, provide groater support and ensure the public's donations only go lo those really in need. statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit Para The Trustees are aware of and follow the Charities Commlsslon's guld8nce on the need for publiG benefit. Additional information (optional) You ma choose to include further statements where relevant about= SORP reforene6 Policy on grant making P&r& 1.38 Not Applicable Policy on social investment including program related investment Para 1.38 Not Applicable Contribution made by voILJnteers Para Following a del6rioration in our financial prospects in 2025 which will be ouilined later, we now have just two employees, led by Sarah Davies, our Slrategic Manager.. they rnainly deal with administration and with clients in the Liskeard office. Oth6Nise, everyone who works for the Foodbank does so on a volunlary basis. They undertake roles in every area of oparations. from 'face to f8ce' meetings with clients, delivering goods, collecting and receiving donations and working in our warehouse. Without thls voluntary work, the Foodbank could not operate on the sca18 it does. Other The Foodbank's client-facing activities take place principally in two IDcations- in Liskeard {which accounts for c85 % of all activity) and in a satellite office in Torpoint. We also operale distribution points in Looe, Rame and Polruan.
Achievements and Performance SORP reference Summary of the main achiev8ments of the charity, identifying th8 dIffenCe Ihe harity's work has made to the ircumstances of its beneficiaries and any wider benefits to society as a whole. We cover a wlde but only informally defined area with Liskeard at its ntre - from Torpoint {where w8 opened a satellite office in 2023) in the east to the Fowey 6stuary in the wèst, from Looe on the south coast to Bodmin Moor to the north. It is a largely rural area of c500 sq miles. Liskeard is the largest town with a population of just over 10,000, Torpoinl has c7,000, Looe c5,000. Given that, the total population of the area we service is thought lo be c50,000. Para 1.20 That is the backdrop to the table below which shows the number of referrals wo have received in the last 5 years- over 4,000 in each of the last four years. It shows a c50Q rise in referrals in 2022 when the cost of living and fuel price rises took hold: in r8sponse. in that year we felocated into separate and larger office and warehouse prgmises. How8v&r, as the table shows, despite gov8rnmgnt assistance lo households and the subsequent falls in both inflatlon and fuel prices, the demand for our services did not fall in 2023 or 2024. Indeed, demand o)ntinu6d to rise in 2025, most notably from those over the age of 65 seeking our help. Vouchers Fulfllled 1601 1135 1292 1681 1785 1991 Adults Helped 1871 1694 2372 2566 2607 2792 Children Helped 998 Tgtsl Helped 2869 2789 4124 4073 4390 4675 2020 2021 2022 2023 2024 2025 1752 1507 1783 1882 Just as the area we service is wide, so our clients are referred to us from a wide range of 8gencies- over 90 separate Referral Agencies made ov6r 5700 referrals to us in 2025. The 7 largest (listed below) accounted for 44 % of all vouchers we fulfilled= over half of referring agencies made less than 20 referra15 in the year. Referrin ènc We Are With You (fornierly Addaction Caradon Academ Torpoint Library and Community Hub Liskeard and Looe Foodbank Looe Communi Meals Cornwall Council Assessments and Crisis and Care Team Citizen's Advice- Liskeard No of Referrals 668 387 322 318 291 276 261
Low income is the most common reason psople are reforred to us for help, whether that is as a result of low wages, low benefits or a combination of both. The other main reasons people are referred to us are d@bt, homelessness, domeslic abuse, benefit changes and sicknosslill health. We operat8d a 'delivery only. model during the pandemic, but now ask our Glients to collect from us if they can, as they did pre-pandemic. We do continu& to deliver to thos& clients that have eith8r physical or mental health issues or Ihos8 who, given our rural area, do not have the use of a car as many of our villages are not on a bus route to Liskeard or Torpoinl. However, to save costs wa also have a network of mor8 loca5, rural points of contact which can hold a small amount of stock and where peopl8 Gan collect food from. Having most clients attend our officos allows us lo talk to them and guide them towards support from other agencies. In our Liskeard office we offer clients a warm welcome in a 'cafe style, room. with tea or coffee and a chance to sit and talk to allow us lo establish what further help we can guid8 them to. Wa have a team trained to offer a free benefit check online, using the Turn2us website, making sure our clients aren't missing out on incorne thay are entitled to and which could a118viate their need lo turn to tha foodbank. Whilst not recorded numerically, we have had notable success in doing this. saving or providing people with aGcess to hundreds and, on occasions, thousands of pounds of support they wgre not gelling. In the last 2 years we have successfully altered our model in three ways, each change being well ceiVed by our clients. Alongside providing a variety of nutritionally balanced food as suggested by the Trussell Trust, we offer Meal Bags- bags containing the ingredients and the recipe for preparing simpl& meals - with the aim of giving clients both a greater skill-sèt and a s&nse of independence and self-respect. We have also movod away from providing a 'one sizè fits all, range of food to allowing those who attend our Llskeard and Torpoint offices to choose their own food from the range we stock in a small, 'supermarket-like' room, again with the same aims. Finally. by worklng closely with generous corporate donors (see later), we now offer fresh fruit and vegetableg, frozen food and fresh dalry products.
Additional Information (Optional) You may choose to include further statements where relevant about: Achievements against objectives set As a Foodbank, our objeclive is simply lo help people in ¢risis. It would be wrong to expect or hope that we wlll ever achieve our objective - which, put plainly, is that in an ideal world thero would be no need for foodbanks. Para 1.41 Performanc8 of fundraising actNities agalnst obloctlves set We undertake a range of activities lo raise either funds or. more often. donations offood and othar goods- as well as raise awar8ness. For example, we periodically run a stand for a week al our prillcipal, local supermarkets, Morrisons and Adi in Liskeard and Sainsbury's in Torpoint.. we have pemanent donation points here and at the Co-ops in Liskeard, Loo6 and Torpoint as well as he community-wn shop in Duloe. Wè have also occasionally baèn lucky 8nough to be a chosen charily for some local events such as th8 Cornish Marathon and the Duloe Cider and Ate Festival. Para 1.41 Our objective is obviously not only lo raise as much as we can but also lo raisè our profile to encourage don8tions al other times. To that end we also work to encourage support for the Foodbank by èngaging with the local media, politicians, business and comrnunily groups. W& have aocounts with Facebook and Instagram to keep clients and donors up to date with our news. We are grateful for all the help we recerve from our bUPPQrters and volunteers, wllholrt whom we could not Oo what we do. Investment performance against objectives Not Applicable. We havg no profit motive.. olherthan we aim to rèmain solvent and to help as many people as we can. we have no obvious finanaa objectives. Para 1.41 other As demand has continued to rise, so too h8S the volume of stock w6 hand out as m6asured by weight as the tab16 below shows. A Ghange in the way we define our stock inflated the amountwe took in durfng 2025.. In fact, stock in and out were roughly balanced, despite risino demand. as w8 w&re lucky enough to begin working with some local famiers and two local corporate donors, two local dairies (Trewithen and Trewidlland} and Ginsters, who provide us with some of thelr excess stock. stock In 36186 39763 42587 47347 68130 stock Out 43296 41740 40453 58511 60362 2021 2022 2023 2024 2025
This next lable shows that, over time, the pattern of where we gel our food from has chang6d Markedly. Since 2022 w& have seen a progressive fall in donations from individuals which we assume is as a result of the same cost of living pressurès that are impactlng our clients. W& have compensated for this by buying in stock and working with the famers and corporate donors mentioned above. Howev8r, our deteriorating financial prospects meant that, as 2025 developed, we cut back on stock purchases wher6ver possibl&. /• of Total Donated B Su ermarkels Church05 and other Grou Individuals and Schools Purchased other Total 2022 2023 2024 2025 28,4 22.9 29.3 24.4 28.1 27.7 26.6 21.8 23.3 12.7 12.6 21.0 100.0 16.0 28.4 100.0 24.7 100.0 25.1 100.0 However, it is imwrtant to note onè final point. Even the food shown here as donated by 'Sup&rmarkets' and 'Churches and Other Groups, represents food that has been purchased or donated by an individual- the reality is that as a Foodbank we aro almosl entirely reliant on the generosity of individuals and groups within our local community forthe food we supply.
Financial Review R6vi&w of th6 charity's financial position al the end of the period Para 1.21 2025 proved lo b& a v8ry difficult financial year for the Foodbank. After having reported small financial surpluses in 2023 and 2024, in 2025 the following accounts show a material d6fi¢lt of almost £79,000. This deficil was not un&xpected and was the result of the fall in Granl income of almost £90,000= it was noted in the 2024 accounts that th6 Outlook for grant support from Trussell was particularly unclear. Qnce that fall became fully apparant in Spring 2025 and b8ing mindful of th8 ne@d to maintain our vital SQNice and support for as long as posslble, the Trustees took tha difficult decision to reduce costs wherever possible. Consequently, stock purchases were restricted, cheaper premises were (and continue to bel sought and, sadly, a small number of paid staff wher6 the grant funding for Ih8ir role was ending were released. Additional regular donors were sought and thè search for new grantfundlng support was redoubl8d. Whllst the Foodbank is financially sound at the end of 2025, it should be noted that in the opening months of 2026 the Foodbank remains in flnancial deficit, alb6il thal these deficils have been greatly reduc8d due to the difficult decisions taken last year. Statement explaining the politsy for holding reseNes sl8ting why they are held Par8 1.22 It is fortunate, given the current financial position, that the Foodbank has long maintained healthy reserv¥b to ensur& that Wg are able to continue to provide our support to what is proving to be a still growing number of people. These reserves are spltt between those restricted to spacific projects (all being funds donated by outsid8 bodies. notably Trussell} and unallocated funds. However, within unallocatèd funds we have designated funds for spe¢tfic, potential costs such as food loss, warehouse upkeep and van replacement. Amount of reseNes held Para 1.22 As our accounts show, as at 31st December, 2025 we held £223,282 in total funds, down almost £80,000 over the year. of whlch lust under 20QA (down from over 30 / ) were restricted. Reasons for holding zero reserves Not Applicable D&lails of fund materialty in deficit Not Applicable
Explanalion of any uncertainties about the charity contlnuing as a going conc6m Para Whilst for now th8 Trust is in sound finandal health, the outlook is rèmalns very uncertain. The demand for our support appgars to show no signs of abating. However, the fall in food donated by individuals appears to be continuing in 2026. This means thatfor Ihe food we supply we are ever-more reliant on Ihe goodwill and generosity of local farmers. supermarkets and orporate partners, as well as being dependent for financial help on our num8rous. kind, prwate donors. w8 also still occasionally have lo use our financial reserves to purchase food lo distribute. The outlook for grant support remains very unclear, whether from Trussell or any other source. The Trustees have cut those costs that can be easily contained.. others, most notably finding cheaper and small premises, are proving harder to restrict. As a result, we would expect another financial deficit in 2026 albeit not on the scale of Ihat of 2025. Additional Information (Optional) You may choose to include further statements where relevant about: The charitys pdnclpal sources of funds (including any fundraising) Para 1A7 Grants, from Trussell and others Regular and unsolicited cash donations from individuals Fund raising activities thal we undertake Investment policy and objectives induding any social investment policy adopted Para 1.46 Not applicabl8
A description of the principal risks facing tha charty Para As already mentloned, In 2022-25 we saw a fall in food donated by individuals. These shortfalls were partially made up by ourselves, purchasing food using our financial reserves, bul thi5 is now being limlted wherever possible. As a result, whilst we remain indebted to- and very reliant upon - thg goodwill and support of our local supermarkets and corporat6 partners. as well as the generosity of our donors, and whilst we would axpect there to be no risk of us not having anything lo distributg, periodic and specific 98ps in what we can provlde may well occur. This is happening as démand for our help rises. We assume that Ih8s8 two trends- of rising demand and falling donalions- are both merely a reflection of th& continuing cosl of living pressures faced by those who live in our oper8ting area. Given the contlnuing. uncertain oullook for Grant support, the finanrial pressures that result from these two trends mean that we expect that thè Foodbank will therefore see anolh@r d6ficit in 2026.
structure, Governance and Management D&scription of chariws trusts: Type of governing document (e.g trust deed. roy81 charter) Para 1.25 CIO Foundatlon. r8gistered 13 May 2019. It is based on the Charity Commission Model Constitulion. How is ihe charity constituled? (e.g unincorporated association, Clo} Para 1.26 CIO Foundation Trustee selection methods including details of any constitutional provisions e.g. election lo post or name of any p&rson or body entided to appoint on8 or morg trustees Para 1.25 Th& appointment of a Trustee requires both a nominee and someone to second a nomination. Applicants undergo a structured intervi6w prior to their appointment. carried out according lo Trussell guidance, and they must provide two references, at least one of which must be independent, all referenS being chécked. Addltlonal Inforniation (optional) You ma choose to includ8 further statements where r618vant about". PoliGieS and prolUreS adopted for the induction and tralning of trustees Par8 1.51 Tlie Foodbtiiik li¢lb InduGllon Pack for new trustees whlch is revised annually. The charity's organisational struclure and any wider network with which the charity works The Foodbank oporates underthe 'umbrella' organisation Trussell Trust. The Foodbank therefore follows Trussell's operations and procedures as laid out in their Operating Manual. Para 1.51 Relationship with any related parties As the Foodbank operates under the Trussell 'umbrella' it reiVeS financial support from Trussell, but only for speafic prolects relating to relieving hardship. Para 1.51
Reference and Administrative Details Chari name other name the chari uses ister8d charit number Charity's principal address Liskeard & Looe Foodbank 1183375 21 Dean Street Liskeard Cornwall PL14 4AB
Names of the Trustees Who Manage the Charity Trustee name Offlce Ilf any) Dates actod If not for whol8 yBar Namo of porson lor body) &ntitled lo appolnt trustee Ilf an Judlth AnnBIIs Chair Becky Lear Safeguarding and Vice Chair Alan Hartridgè Andrew Fowler Katherine White Tr8asurer Secretary Appointed 3113125 Appointed 3113125 Resigned 2313126 Appointed 2313126 Appointed 2313126 William Stuart-while Michael Brock-cook Julia Lawrence James Kitson Corporate trustees- names of the directors at the date the report was approved Dlrector name Name of trus16&s holding tille to prop8rty belonging lo the charity Truxt&# nar DatèA ActrÈd if nrjt fnr whol• •ar
Funds Held as Custodian Trustees on Behalf of Others Description of the assets held in this capacity. Not applicabl6 Name and oblects of the charity on whose behalf the assets are held and how Ihi5 falls wlhin the custodian charity's objectives. Not applicab16 Details of arrangements for safe custody and segregation of such assets from the charity's own assets. Not applicable Additional Information (Optional) Names and addresses of advisers {Optlonal inforniationl Type of Name Address adviser Name of chief executive or names of senlor stsff members (Optlonal Infom)ation) Sarah Davies, Strategic Manager Exemptlons from disclosure Reason for non-disclosure of key personnel details other Optional information
Declarations The trustees declare that they have approved the trustees, rèport above. Signed on behalf of the charity's trustees Slgnatur8(s) Full name(s) Position (eg Secretary. Chair, etc) Dato
CHARITY COMMISSION FOR ENGLAND AND WALES Independent examiner's report on the accounts Section A Independent Examiner's Report Report to the trusteesl members of Liskeard & Looe Foodbank On accounts for the year ended 31 December 2025 Charity no (if any) 1183375 Set out on pagès 16-20 I report to the trustees on my examination of the accounts of the above charity l.the Trus1"} for the year ended 3111212025. Responslbllltlos and As the charity trustees of the Trust, you are responsible for the preparation basis of roport of the accounts in accordance with the requirements of the Charities Act 2011 {'th8 Act.). I report in respect of my examination of the Trusvs awounts carried out under section 145 of the 2011 Act and in carying out my examination, I have followed the applicable Directions given by the Charity Commission under section 145(5}(b) of the Act. I have completed my examinatK)n. I confirn that no material matters have come to my attention in connection with the examination which gives me cause to believe that in, any rnaterial respect.. accounting records w8r8 not kept in accordanc& with section 130 of the Act or the accounts do not accord with the accounting records Independent examiner's statsment I have no concerns and have come across no other matters in connection wilh the examination to which attenlion should be drawn in order to enable a proper understanding of the accounts to be reached. Slgned: Dat9: Name: Gary Randall Relevant professional qualificatlon(sl or body lif any): ACA Prydls Accounts Ltd The Parade Liskeard Comwall PL14 6AF Address:
Liskeard & Looe Foodbank Financial Statements 0110112025 Forth0 porlod from 3111212025 To Section A Receipts and payments Unrestrlcted funds Deslgnated funds Re$trlct9d fund$ A1 Récolpts Total funds Last yaar 2D25 2024 to thè neamt to tho nearé8t£ to thè noavest£ to thè nèarest£ to the llB4f98t e DonAtlons Value ol stock Ilonalgd Friends Donation Other sourc&8 GrftAid rathi Grants Fundraisin Interest Received 188 720 188.720 23,860 3,25 3,061 3,061 80,279 14931D 1,296 104 215,526 Sub total 282,027 53,529 335 556 A2 Asset and investment sales Sub total 282,027 53,529 335.556 215,526 A3Pa ments Admlnl<lrallnn Accountln Lo Pa Governance Client Purchases CAB Staff Su ort P[niseS Value ol Stock Dlstri Stock Movement 2.088 1.080 1.803 87,850 1,351 42,301 59,110 30,339 167,205 21.515 414.442 1,429_ 600 6,181 93,692 21,688 24,612 28.970 29,360 1,080 1,803 55,294 1,351 19,554 32.356 22,747 59,110 9,328 21,011 167,205 21.515 290,901 Sub total 123.541 206,525 A4 A¥s&t and Investment purchases Purchage of a&%èt8 Sub total 290,901 123,541 414,442 206.525 Net of re¢eipts/(payments) A5 Transfers between funds A6 Cash funds last year end Cash funds thls year 8nd 8,874 70.012 78,886 9,001 21,223 12,349 170,000 170.000 110,945 40,933 302,168 223,282 293,167 302,168
Unrastrlctad funds Deslgnated funds Rastricted funds B1 Cash funds Total funds Last year 2024 2025 Lloyds Currant Accrwnt HSBC Currant Account 8,822 s,000 13,822 71,467 1.698 1,698 70,351 Hampshtre Tru$l Bank Saffron Waldèn Bulldlng Soclety 1.979 20,000 40,933 61912 80,000 2,774 80,000 B2,774 Bath Building Society Petty Cash 1,Y42 60,000 61,742 80,104 334 334 246 rotal cash funds 17,349 165,OOQ 40,933 223,282 302,168 B2 Other monetary assets Unreslrlcted lunds Dèslgnat9d lunds Restrl¢ted funds Total funds Last year 2025 2024 to ngare&t t to nearest£ tv neargstg to negrest£ to nèarè5t£ Dec 2023 GiRArd (Recefved Feb 251 Dec 2024 GiftA Rè¢ekvod Feb 25 4,916 3,918 D¢¢ 2025 Gwt AKI Claimsd 3,477 3,477 3,477 3.477 8,834 B3 Investment assets Fund to whlch ass•t bolon Unrestricl8d Cost Curyont valu Desktop Cofflpulers and Printer Laptop Conwuters and Prinlor Mobilg Phone5 x J Warehouse Ilewn5 IDollies, CBges. Crales elcl HeJ)ry Va¢uurn Publicity It8ms Van 2,500 800 1,200 Unrestricted 300 Unrestricted 700 175 Unrestsl¢ted 13,000 6,500 Unr8stri¢tsd 150 25 Unrestrfcied 500 175 Unr8$lricted 18,000 4,000 Frfdges. Fr8ezer5 and Microwav8 Unreslrieted 4,50D 1,175 Total 40,150 13,550 B4 Sto¢k Fund to whlch a&Èet bèlo Unrestricted 2025 2024 Food stock 38.425 16,912 13,872 Kgs 81£2.77 per Kg Total 38,425 16,912 Signature Print Name Date or roval Signgd ty one or two truste88 On behalf of all Ihg 29
Section C Notes on the accounts 2025 Restricted funds 2024 Unr6stricl8d Restricted funds funds to thè n&arest lo the near03t Unrestrictèd funds C1 Source of money to the nearest £ to the nearest £ Donallons Value of stock donated Other Gmnls Fundraisin Interest rècelved GMAid 66,763 188 720 62.856 3,256 5,129 6,750 144,181 7,323 8,114 282,027 104 SubTotal Total 53,529 71,345 144,181 C2 Restricted Grants Fund Balan¢9 blf Recelvod In th8 Spènt In thg year yoar fo the neamst to tho nearest Balance CM to the neara5t lo thp nearest£ Facililios Grant Trevecca Rent 1.336 1,338 Pathfinder- Trussell Trust strateglc Manager T Trust Volunteer Development T Trust Flnanclal Incluslon GAB T Trust Food Purchase Developments ot this FB 825 8,529 9,280 74 Jolnl grant wlth WadebrSdg8 FB 5,539 5.539 Grant for Debt pay., Specialist staff from GAB To buy food 37,602 45,QOO 64, 1111 17,821 19 19 Rural Hub Co-ord & Project Costs Bennelong Rural dellvery of food 26,423 20,640 5.783 For schools to develop cooknng skills of pupils and parents For the rural project 2.255 2,047 208 Rural 1,537 3,789 Smile Centre To buy food 2,272 241 2,031 CCF Crisis Fund £1,000 received in 2021 220 220 CCF SuNlvlng Winter £1000 received in 2020.£250 spent in previous ears To extend the reach and profile of FB support lo rural communities through activ8 engagement with schools lo develop cooking skills of pupils and parents 1.918 1,918 T Trust School Engagem@nt Offic8r 27,210 18,121 9.089 C3 Debtors Grfl Ald of £3,477 for 2025 has now been clalmed. C4 Fundraislng In 2025 funds were recelved from Blngo and Llskeard Llons.
C5 Payments Breakdowns Cate 2025 2024 to the nBare8t lo the neamst Administration Tele honelBroadband Stsllone & Posla Adminlslratlon Officg E ul ment 358 1,377 87 266 2,088 30 1.112 235 1,422 Premise8 OFfica- Dean Street Warehouse- Trevecca Office - Tor Office Rent utllllles, rates and re 7,763 16,000 1.560 7,763 16,000 4,200 alrs 5,016 30,339 1,397 29,360 LogistlC8 Warehouse consumable8 Van Trans orvmilea Volunteer E nses 1,036 352 415 1,803 4,564 1,617 6,181 Payroll Sala TaxJNI Penslon Pension services Pa n)11 servlces 71,147 10,983 5,124 180 216 87,650 77.361 11.861 3,843 288 340 93,692 st£k Value of stock dlstributed Stock Movement 167,205 21,515 188.720 Client Purchases Food I Client Ex Grant Schedule endlture 8,018 34,283 42,301 11,924 41,658 53,582 CAB Staff Su orl CAB Staff Su ort 59,110 59,110 AoGounlln Examinallon fees 1.080 1.080 600 Governance Insurance Franchis& f88 Data Protection Le al Fees Bank Char other Char 1,050 1,185 38Q 35 20.Otx) 47 es 90 164 1,351 es 108 21,688 Payments totsl ' IlfjJ)'.*YS,
C6 D?$lgnated funds The follow1 deslgnated funds were held at thg end of the year Fund 2025 2024 to the neara#t to the nearest Food securfty Vehicles Warehouse & eMIseS, Storaga, Fitments Bullding Re8erve 40,000 25,000 20,000 80,000 20,000 50,000 20,000 80,000 Total