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Lloyds Bank Foundation for England & Wales

93 /100

Clarity score

Exceptional

Charity accounts, evidence & financial rating

93/100 Clarity Score · 5 stars · Charity Commission filings · How we score

Register checked 4 October 2026 · latest accounts 2025

Official regulator data Give with confidence
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Quick answer

Is Lloyds Bank Foundation for England & Wales a good charity?

Lloyds Bank Foundation for England & Wales scores 93/100 (5 stars, Exceptional) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£30m total income, 100% cause spend, 3-yr avg). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown.

Income

£30m

Accounts 2025-12-31

Spending

£30m

Accounts 2025-12-31

Charitable activities

100%

3-yr avg · share of spending

Accounts filing

On time

Charity Commission

On this pageJump to a section
London · UK-wide · N1 9RL Reg 327114 Registered charity Official website Charity Commission register

What does Lloyds Bank Foundation for England & Wales do?

To be a leading grant maker supporting and working in partnership with recognised charitable organisations which help people, especially those who are disadvantaged or disabled, to play a fuller role in communities throughout England and Wales.

Activities reported by the charity on the official register · extract . This is separate from the accounts data used for its rating.

Lloyds Bank Foundation for England & Wales hasn't added a description directly to CharityCompare yet. Work here? Add it free →

How much does Lloyds Bank Foundation for England & Wales raise and spend?

Accounts period 2025-01-01 to 2025-12-31 · Source: Charity Commission filings

Lloyds Bank Foundation for England & Wales revenue and expenses for 2025
Category Amount % of spend
Total income £30m —
Total expenditure £30m —
Charitable activities £30m 100%
Fundraising £20k 0%
Reported governance £126k 0%

Governance can already be allocated within other expenditure categories. It is not a separate measure of all administration costs; do not add these rows without checking the accounts notes.

What changed in Lloyds Bank Foundation for England & Wales’s latest accounts?

Reported totals for 2025 compared with 2024. Changes can reflect the accounting period, restricted grants or restructuring as well as the charity’s work.

Income change
+6.6%
£28m → £30m
Spending change
+21.8%
£25m → £30m
Charitable activities share
+0.0 pp
100% → 100% · percentage points

These are annual figures. The Clarity Score may use averages across several disclosed years. Source: official accounts.

100%On charitable activities

Where does the money go?

Latest accounts (2025) · £30m spent

  • Charitable activities100%
  • Fundraising0%

Charities usually allocate governance costs across their other spending categories, and these reported figures add up to more than total spending, so governance is not drawn as a separate slice. The accounts table shows it separately.

From the annual return

What does Lloyds Bank Foundation for England & Wales pay its staff, and where does its money come from?

Answers Lloyds Bank Foundation for England & Wales gave in its annual return to the Charity Commission for the year ending 31 December 2025, plus its register entry. These are the charity's own disclosures, not part of the Clarity Score.

How much are Lloyds Bank Foundation for England & Wales's highest-paid staff paid?

Lloyds Bank Foundation for England & Wales's annual return for the year ending 31 December 2025 reports 9 employees paid more than £60,000, including 3 employees paid more than £100,000. The highest reported pay band is £140,001–£150,000 (1 employee).

Lloyds Bank Foundation for England & Wales employees paid over £60,000, by salary band
Salary bandEmployees
£140,001–£150,000 1
£110,001–£120,000 1
£100,001–£110,000 1
£90,001–£100,000 1
£70,001–£80,000 1
£60,001–£70,000 4

The register reports headcounts in salary bands, not names. The chief executive's pay is normally disclosed in the remuneration note of the trustees' annual report.

Where does Lloyds Bank Foundation for England & Wales's money come from?

Lloyds Bank Foundation for England & Wales reported £30m total income for the year ending 31 December 2025. The largest sources were donations and legacies £28m (94%), investments £1.6m (5%), other income £124k (0%).

  • Donations and legacies £28m · 94%
  • Investments £1.6m · 5%
  • Other income £124k · 0%

Cash at year end: £695k · unrestricted funds: £26m · restricted funds: £663k. Restricted funds can only be spent on purposes set by the donor.

Can I claim Gift Aid, and are the trustees paid?

The register does not record Lloyds Bank Foundation for England & Wales as registered with HMRC for Gift Aid. Ask the charity before assuming a donation can be Gift Aided.

Lloyds Bank Foundation for England & Wales's annual return for the year ending 31 December 2025 reports that no trustee received remuneration or other benefits from the charity.

Registration details

Registered as a charity
Company number
01971242 (Companies House)
Also known as
Lloyds Bank Foundation
Previous names on the register
Lloyds Tsb Foundation for England and Wales
Where it says it operates
Throughout England and Wales

Source: Charity Commission register and annual return data, Open Government Licence v3.0. A blank answer in the return is shown as not reported, never as “no”.

How have Lloyds Bank Foundation for England & Wales's finances changed over five years?

Income rose 53% from £19m in 2021 to £30m in 2025; spending was £30m in 2025.

£0 £10m £20m £30m £40m 2021 2022 2023 2024 2025 Income 2021: £19m Spending 2021: £20m Cause spend 2021: £20m Income 2022: £16m Spending 2022: £20m Cause spend 2022: £20m Income 2023: £19m Spending 2023: £24m Cause spend 2023: £24m Income 2024: £28m Spending 2024: £25m Cause spend 2024: £25m Income 2025: £30m Spending 2025: £30m Cause spend 2025: £30m
  • Income
  • Spending
  • Cause spend
Lloyds Bank Foundation for England & Wales income and spending by accounts year
Year Income Spending Charitable activities
2025 £30m £30m £30m
2024 £28m £25m £25m
2023 £19m £24m £24m
2022 £16m £20m £20m
2021 £19m £20m £20m

Cause spend is plotted only when the filing discloses a split · Source: Charity Commission filings

Financial context

How do its finances compare with similar charities?

Compare Lloyds Bank Foundation for England & Wales with 92 other poverty relief charities in our detailed dataset: the same regulator, £10m+ income band and accounts ending in 2025. Each period covers 50–54 weeks. These are reference points, not targets or a ranking of impact.

Swipe across the table to see the peer median and coverage.

Latest annual figures, accounts ending 2025-12-31. Peer medians exclude this charity; the median is the middle value.
MeasureThis charityPeer medianPeer coverage
Annual income £30m £19m 92 of 92
Annual spending £30m £21m 92 of 92
Charitable activities share 99.9% 92.4% 90 of 92

The annual spending share can differ from the multi-year average shown elsewhere. Missing disclosures are excluded, never counted as zero. We show a median only with at least ten peer disclosures. Different year-end months, restricted funding and delivery models can still limit comparisons.

How does Lloyds Bank Foundation for England & Wales compare?

The share of each group scoring at or below Lloyds Bank Foundation for England & Wales, including tied scores. A group matched on cause, income band and accounts year appears when at least ten records qualify. Broader groups below may mix reporting periods and operating models. Groups include this charity; percentiles measure our financial rating, not impact.

Same cause, income band and accounts year (2025) 96thpercentile

Scores at or above 96% of 95 charities with the same primary cause, income band and latest accounts year · 93/100 vs 75 peer average.

Income band (£10m+) 95thpercentile

Scores at or above 95% of 930 charities in its income band · 93/100 vs 77 peer average.

Poverty relief charities 89thpercentile

Scores at or above 89% of 1,486 charities in this cause · 93/100 vs 76 peer average.

Where Lloyds Bank Foundation for England & Wales sits

The causes this charity is classified under, and other charities working nearby.

Similar poverty relief charities

Top-rated peers by CharityCompare score

Evidence and interpretation

What the evidence says about Lloyds Bank Foundation for England & Wales

In 2025, reported income was £29,594,475 and expenditure was £30,156,347. Expenditure exceeded income by £561,872. This annual balance is not the charity’s available cash or unrestricted reserves.

More financial context

Income rose 6.6% compared with 2024. Read the accounts notes for restricted grants, legacies and one-off receipts before treating the movement as a trend.

Calculated from our dated accounts dataset, refreshed 2026-09-06. This is not an audit or a manual review of every filing. Original register and accounts · How calculations work.

Find the right support

Who it supports and how to access its work

Reported beneficiaries: Other Charities Or Voluntary Bodies.

How it works: Makes Grants To Organisations.

Use the official contact details to check eligibility, referrals, waiting lists and current service coverage. Broad register classifications and a contact address do not confirm that a particular service is available to you.

Explore source-checked support routes

Classifications supplied to the register; extract 2026-10-04. Register contact and activity details · Website listed for this charity

Look beyond the score

Results and impact evidence

We have not added a source-checked programme outcome for this charity. That is a gap in this profile, not evidence that the charity has no impact. Its annual report may contain results that have not been assessed here.

Reported grants to institutions: £24,390,583 (2025-12-31). This is spending reported in the annual return, not a measure of beneficiary outcomes or an open grant opportunity. It may already be included in charitable expenditure. Check the source accounts.

What these results can tell you

Counts of services delivered describe activity. They do not by themselves establish lasting change, what would have happened without the programme, or cost-effectiveness. Results with different definitions, populations or years should not be ranked against each other.

How to judge charity impact evidence

What is Lloyds Bank Foundation for England & Wales's Beacon report?

Detailed accountability and finance metrics from UK regulator filings — structured for transparency in our four-beacon report.

Accountability & Transparency

Baseline trust from filing discipline, board oversight, and declared governance policies.

93/100

Accountability & Transparency metrics for Lloyds Bank Foundation for England & Wales
Metric Score Value
Filing history (5 years)

No recorded lateness in available history = 15 pts · one late filing = 5 pts · two or more or unknown status = 0 pts. Missing data is not proof of late filing.

100% 15/15 pts
Trustee oversight

Three or more trustees on the register = 15 pts, scaled down for fewer (governance red flag below three).

100% 11 trustees · 15/15 pts
Declared policies

Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return.

70% 7/10 pts

Financial Health

Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.

87/100

Financial Health metrics for Lloyds Bank Foundation for England & Wales
Metric Score Value
Reserves (months of expenditure)

3–24 months = full marks, tapering on both sides · 0 months or 4+ years = 0 pts. Reserves are not necessarily cash; needs vary by operating model.

100% 12 months · 15/15 pts
Income stability / growth

+20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between.

100% 10/10 pts · 3-year average
Liabilities to assets

0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt.

20% 45% · 1/5 pts

Financial Efficiency

How efficiently funds reach the cause — program spend and fundraising cost ratios.

100/100

Financial Efficiency metrics for Lloyds Bank Foundation for England & Wales
Metric Score Value
Program expense ratio

90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below.

100% 100% · 10/10 pts (3-year average)
Fundraising efficiency

≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income).

100% 0p per £1 income · 10/10 pts (3-year average, disclosed years)

Community Support

Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.

100/100

Community Support metrics for Lloyds Bank Foundation for England & Wales
Metric Score Value
Volunteer-to-staff ratio

Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between.

100% 521 volunteers / 53 staff · 10/10 pts

How we calculate beacon scores →

What trust indicators does Lloyds Bank Foundation for England & Wales have?

Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.

  • Accounts filed on time

    up to date · last filing

  • Trustee board size (3–12)

    11 trustees on the Charity Commission register

  • Workforce on register

    53 employees · 521 volunteers (10:1 volunteer-to-staff)

Fundraising Regulator

Status not yet checked

Separate from our financial scores. Registration records a commitment to the Code of Fundraising Practice; it does not certify every fundraising activity.

Check Fundraising Regulator →

Official register

Reg 327114

Full trustee list, accounts, and regulatory history on the Charity Commission.

View on Charity Commission →

Trustees & officers

  • Bushra Anoud Ahmed since 2022
  • Claud Leon George Williams since 2023
  • Cherrie Bija since 2023
  • Sarah Catherine Legg since 2021
  • Ajneet Jassey since 2024
  • Laura Needham since 2024
  • Miles John Ravenhill since 2025
  • Enver Solomon since 2025
  • Baroness Ruth Elizabeth Hunt since 2026
  • Clara Louise Berry since 2026
  • Mark Patrick Barrow since 2026

How reliable is Lloyds Bank Foundation for England & Wales's data?

Source
Charity Commission (England & Wales)
Accounts year
2025
Filing date
Data refreshed

High confidence — complete filing data

Scores reflect the accounts in our dated data extract. The live register may contain newer filings. Clarity Score measures how clearly the charity accounts for money in those filings — not programme impact.

Check the current register entry · Report a data correction

Financial source extract: 2026-09-06. Organisation identifier: 327114. Method version: 1.1. View method changes.

Contains public sector information licensed under the Open Government Licence v3.0. Sources: Charity Commission for England and Wales, Office of the Scottish Charity Regulator and Charity Commission for Northern Ireland. Open Government Licence v3.0 .

Your donation decision

What should you check before donating to Lloyds Bank Foundation for England & Wales?

  1. 1. Match the name and charity number

    Check 327114 on the official register. A real charity number alone does not prove that a fundraiser or appeal is authentic.

    Verify the registration →
  2. 2. Read the accounts in context

    Our latest accounts data covers 2025. Compare the accounts period, spending and reserves. An administration cost ratio alone cannot tell you how effective a charity is.

    Explore the financial evidence →
  3. 3. Look for evidence of results

    Read the trustees’ annual report for activities, outcomes and limitations. The Clarity Score measures public reporting; it does not establish the impact of a donation.

    How to read charity accounts →
  4. 4. Compare charities serving your cause

    Compare up to four charities, check the dates behind their figures, and decide which work you want to support. Complete your donation through a verified charity channel.

    Start a comparison with Lloyds Bank Foundation for England & Wales →
How we score charities +

The Clarity Score is a 100-point rating from UK regulator filings (Charity Commission for England and Wales, OSCR and CCNI). Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10) — each scored on a continuous scale, not pass/fail cutoffs. A statutory inquiry sets the score to 0 automatically.

Full methodology →

Accountability & Transparency

Scored from filings

40 points — filing history (15), trustee oversight (15, scaling up to a board of three or more), declared policies (10).

Financial Health

Scored from filings

30 points — reserves (15, full marks 3–24 months, tapering on both sides), income stability (10), liabilities to assets (5, scaling down as debt rises).

Financial Efficiency

Scored from filings

20 points — program expense ratio and fundraising cost, each on a graduated scale (not a single cutoff). Kept at 20% of the total: financial-ratio scoring alone is not a reliable effectiveness signal (see "why not just an overhead ratio?" below).

Community Support

Scored from filings

10 points — volunteer-to-staff ratio from Charity Commission workforce data, scaling continuously up to a 2:1 ratio.

Overall score

Sum of all pillar points. Display stars use the same bands as the labels: 90–100 → 5★ Exceptional; 75–89 → 4★ Good; 60–74 → 3★ Needs improvement; 1–59 → 2★ Poor; 0 → not rated.

How can you share Lloyds Bank Foundation for England & Wales's rating?

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How do you add Lloyds Bank Foundation for England & Wales's rating to your site?

Free to use — a lightweight HTML badge or an embeddable score widget, each linking back to this independent profile and our methodology.

Frequently asked questions

Common questions about Lloyds Bank Foundation for England & Wales's rating, finances, and Charity Commission status.

Is Lloyds Bank Foundation for England & Wales a good charity? +

Lloyds Bank Foundation for England & Wales scores 93 out of 100 (5 stars — Exceptional) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 100% of its spending goes to charitable activities (3-yr avg) and its accounts are up to date. That reflects how transparent and financially healthy it looks on paper — it does not measure the real-world impact of its work, so treat it as one factor alongside the cause you care about. CharityCompare never tells you where to donate.

Is Lloyds Bank Foundation for England & Wales a legitimate charity? +

The register data used for this profile lists Lloyds Bank Foundation for England & Wales as a registered charity (charity number 327114). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/charity-details/?regId=327114&subId=0. Check the current entry and the identity of anyone requesting money. Registration does not verify a particular appeal; Clarity Score summarises filing transparency, not programme impact.

What is Lloyds Bank Foundation for England & Wales's charity number? +

Lloyds Bank Foundation for England & Wales's charity number is 327114. Check that number on the official register (Charity Commission, OSCR or CCNI) or this CharityCompare profile before you donate — scammers sometimes reuse real numbers on fake appeals.

What is Lloyds Bank Foundation for England & Wales's charity rating? +

Lloyds Bank Foundation for England & Wales scores 93 out of 100 on CharityCompare (5 stars — Exceptional). The Clarity Score (method v1.1) sums four pillars from UK regulator filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10). Stars use the same bands as those labels — 90+ is 5★ Exceptional. It is not an impact ranking.

Does Lloyds Bank Foundation for England & Wales have reviews and complaints? +

CharityCompare does not host public user reviews for Lloyds Bank Foundation for England & Wales. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (none flagged on this profile). For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate.

How much of my donation reaches Lloyds Bank Foundation for England & Wales? +

Across the recent disclosed accounts used for this score, 100% of Lloyds Bank Foundation for England & Wales's total spending went to charitable activities (3-yr avg across disclosed years). That is the closest official figure to "how much of your donation reaches the cause" — it is an average across all spending in the filing, not a pound-by-pound breakdown of an individual gift.

What are Lloyds Bank Foundation for England & Wales's overheads? +

Across the recent disclosed accounts used for this score, fundraising costs were about 0% of total expenditure and fundraising plus separately reported governance figures amount to about 0% of expenditure (2023–2025, disclosed years); these categories can overlap, so this is not a distinct total of all administration costs at Lloyds Bank Foundation for England & Wales. Lloyds Bank Foundation for England & Wales's annual return for the year ending 31 December 2025 reports 9 employees paid more than £60,000, including 3 employees paid more than £100,000. The highest reported pay band is £140,001–£150,000 (1 employee). Individual salaries, including the chief executive's, are disclosed in the trustees' annual report rather than on the register.

How much income does Lloyds Bank Foundation for England & Wales receive? +

Lloyds Bank Foundation for England & Wales reported £30m total income in its 2025 accounts, based on UK regulator filings. Five-year trend: growing.

Are Lloyds Bank Foundation for England & Wales's accounts up to date? +

Filing status: up to date (last filing 2026-07-28). CharityCompare flags late or missing accounts separately from the financial score.

Where is Lloyds Bank Foundation for England & Wales based? +

Lloyds Bank Foundation for England & Wales's registered contact address is in London (N1 9RL). It tells the regulator it operates in England and Wales, with a focus on poverty relief.

How much is Lloyds Bank Foundation for England & Wales's chief executive paid? +

The Charity Commission register does not name individual salaries. Lloyds Bank Foundation for England & Wales's annual return for the year ending 31 December 2025 reports 9 employees paid more than £60,000, including 3 employees paid more than £100,000. The highest reported pay band is £140,001–£150,000 (1 employee). Charities normally disclose the chief executive's pay, or the pay of their highest-paid staff, in the remuneration note of the trustees' annual report and accounts.

Where does Lloyds Bank Foundation for England & Wales's money come from? +

Lloyds Bank Foundation for England & Wales reported £30m total income for the year ending 31 December 2025. The largest sources were donations and legacies £28m (94%), investments £1.6m (5%), other income £124k (0%).

Can I claim Gift Aid on a donation to Lloyds Bank Foundation for England & Wales? +

The register does not record Lloyds Bank Foundation for England & Wales as registered with HMRC for Gift Aid. Ask the charity before assuming a donation can be Gift Aided.

Are Lloyds Bank Foundation for England & Wales's trustees paid? +

Lloyds Bank Foundation for England & Wales's annual return for the year ending 31 December 2025 reports that no trustee received remuneration or other benefits from the charity.

What was Lloyds Bank Foundation for England & Wales previously called? +

The register lists this previous name for Lloyds Bank Foundation for England & Wales: Lloyds Tsb Foundation for England and Wales.

When was Lloyds Bank Foundation for England & Wales registered as a charity? +

Lloyds Bank Foundation for England & Wales was entered on the register on 13 May 1986. It is also a company registered at Companies House (company number 01971242).

How does CharityCompare score Lloyds Bank Foundation for England & Wales? +

We calculate a Clarity Score of 0–100 from four pillars in Lloyds Bank Foundation for England & Wales's regulator filings: Accountability & Transparency (40 points — filing history, trustees, policies), Financial Health (30 — reserves, income trend, debt), Financial Efficiency (20 — cause spend and fundraising cost, on a graduated scale) and Community Support (10 — volunteer-to-staff ratio). An open statutory inquiry scores 0. The score measures reporting on paper, not programme impact. CharityCompare is free for donors, takes no commission on donations, and scores cannot be bought.

How often is this page updated? +

This profile was last updated on 6 September 2026 from the latest UK regulator data available to CharityCompare, and Lloyds Bank Foundation for England & Wales's most recent accounts cover 2025. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.