LLOYDS BANK FOUNDATION FOR THE CHANNEL ISLANDS

Registered charity 327113 · accounts filings on the Charity Commission register · also known as LLOYDS TSB FOUNDATION FOR THE CHANNEL ISLANDS

The Lloyds TSB Foundation for the Channel Islands is established to do anything which is a charitable purpose according to the laws of England and Wales from time to time principally in, but not limited to, the Channel Islands.

Objects

A) TO ADVANCE EDUCATION AND TRAINING IN ALL ASPECTS OF KNOWLEDGE BY MEANS OF (BUT NOT LIMITED TO) THE MAKINGS OF GRANTS, INCLUDING THE ESTABLISHMENT OF SCHOLARSHIPS AND PRIZES, AND OTHER LIKE AWARDS. B) TO ADVANCE SCIENTIFIC OR MEDICAL RESEARCH, OF THE CONDITION THAT ALL USEFUL RESULTS OF SUCH SCIENTIFIC OR MEDICAL RESEARCH ARE PUBLISHED AND EDUCATION IN SCIENTIFIC OR MEDICAL RESEARCH BY MEANS OF (BUT NOT LIMITED TO) THE MAKING OF GRANTS, INCLUDING THE ESTABLISHMENT OF SCHOLARSHIPS AND PRIZES, AND OTHER LIKE AWARDS. (FOR FURTHER DETAILS SEE CLAUSE 3 OF THE MEMORANDUM AND ARTICLES OF ASSOCIATION).

Area of benefit: PRINCIPALLY IN BUT NOT LIMITED TO THE CHANNEL ISLANDS

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: General Charitable Purposes · Education/training · The Advancement Of Health Or Saving Of Lives · Disability · The Prevention Or Relief Of Poverty · Grant history (this charity is a funder) · website · Get email alerts

Latest income
£1.3m
Latest spending
£1.5m
Registered
1986
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that unrestricted reserves were £1,368,542, which is above the trustees' stated target of approximately £900,000. The charity reported a net deficit of £148,642 for the year, primarily due to increased charitable expenditure exceeding income, but maintains sufficient liquid resources to continue operations until at least March 2027.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Highest-paid employee band: £70,001 - £80,000 — above the median for charities its size (£70k)
“This employee’s emoluments fell between the band £70,001 - £80,000.”
Per its FY2025 accounts as filed with the Charity Commission.
Employees paid over £60,000: 1
“One employee received employee remuneration of more than £60,000, (excluding employer pension costs) during the year (2024: One).” — page 34
Per its FY2025 accounts as filed with the Charity Commission.
Largest income source: Lloyds Banking Group (96% of income)
“Donations from Lloyds Banking Group - Covenant income 1,036,064”
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: in the region of £900,000 (reserves figure: £1.4m)
“The Trustees have decided that the reserves for emergency or creative grant giving should be £500,000 and that the amount required for operating costs is estimated at £400,000 making the total reserve requirement in the region of £900,000.” — page 14
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Payment to connected foundation for administration services
“The Foundation paid £9,840 (2024: £9,590) to Lloyds Bank Foundation for England & Wales (LBFEW) in respect of time spent by that Foundation’s staff for administration of the Foundation for the Channel Islands.” — page 36
“Trustees Adele Bohlen and Andrew Corbett (until September 2025) were employed by Lloyds Banking Group plc in 2025.” — page 37
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Trustee employed by related company
“The Foundation paid £9,840 (2024: £9,590) to Lloyds Bank Foundation for England & Wales (LBFEW) in respect of time spent by that Foundation’s staff for administration of the Foundation for the Channel Islands.” — page 36
“Trustees Adele Bohlen and Andrew Corbett (until September 2025) were employed by Lloyds Banking Group plc in 2025.” — page 37
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Grant awarded to employer of new trustee
“The Foundation paid £9,840 (2024: £9,590) to Lloyds Bank Foundation for England & Wales (LBFEW) in respect of time spent by that Foundation’s staff for administration of the Foundation for the Channel Islands.” — page 36
“Trustees Adele Bohlen and Andrew Corbett (until September 2025) were employed by Lloyds Banking Group plc in 2025.” — page 37
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Deloitte LLP. Discloses 6 of 6 completeness components.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

From the charity’s annual return (Part A, self-declared)

Answers and figures the charity gave in Part A of its annual return to the Charity Commission. They are self-declared: not verified by the Commission or by this site. Only positive answers and figures are listed; items not listed are simply not shown.

Self-declared on the annual return for the financial year ending 31/12/2025

  • Volunteers: 12
  • Employees paid over £60,000: 1 (£60,001–£70,000: 1)
  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2024

  • Volunteers: 10
  • Employees paid over £60,000: 1 (£60,001–£70,000: 1)
  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2023

  • Volunteers: 10
  • Grant-making is its main activity

Source: this charity’s annual returns on the Charity Commission register.

Leadership, per the charity’s website

Listed on the charity’s own website when we last crawled it; roles may have changed. Pay-band disclosures above are anonymous statutory disclosures and are not attributed to any named individual.

Public profiles (found on the charity’s own website): facebook

Structured financials (annual return, FY ending 31/12/2025)

Total income
£1.3m
Total spending
£1.5m
Cost of raising funds
£4k
Reserves (reported)
£1.4m
Employees
1

Reported reserves equal ~10.9 months of spending — in the top quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (96% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.3% of total income — below the median for charities its size (5.3%) (benchmarks).

Trustees · trustee networks

Trustee list from the Charity Commission register (current, not historical).

Operates in: Guernsey · Jersey · Northern Ireland · Scotland

Income and spending

Financial year endIncomeSpending
31/12/2025£1.3m£1.5m
31/12/2024£1.3m£1.2m
31/12/2023£901k£975k
31/12/2022£803k£834k
31/12/2021£892k£1.2m

Common questions

Is LLOYDS BANK FOUNDATION FOR THE CHANNEL ISLANDS financially healthy?

Per its FY2025 accounts: The accounts state that unrestricted reserves were £1,368,542, which is above the trustees' stated target of approximately £900,000. The charity reported a net deficit of £148,642 for the year, primarily due to increased charitable expenditure exceeding income, but maintains sufficient liquid resources to continue operations until at least March 2027. Its FY2025 accounts were audited by Deloitte LLP.

What does the highest-paid employee of LLOYDS BANK FOUNDATION FOR THE CHANNEL ISLANDS earn?

Per its FY2025 accounts, the highest-paid employee was in the £70,001 - £80,000 band, and 1 employees earned over £60,000.

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with LLOYDS BANK FOUNDATION FOR ENGLAND & WALES.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
LLOYDS BANK FOUNDATION FOR THE CHANNEL ISLANDS£1.3m£70,001 - £80,0001unclear—no doubt
LLOYDS BANK FOUNDATION FOR ENGLAND & WALES FY2025£29.6m——above—no doubt
Lloyd's of London Foundation FY2025£7.3m—0above—no doubt
THE LAKE FOUNDATION CHARITABLE TRUST FY2026£125k—0unclear—no doubt
CdLS Foundation UK & Ireland FY2025£54k—0above—no doubt
WATES FOUNDATION LIMITED FY2025£584k——unclear—no doubt

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.