Financial resilience and the role of small charities
- July 2025
- Research
This report presents joint research by Lloyds Banking Group and its four charitable Foundations – Lloyds Bank Foundation for the Channel Islands, Lloyds Bank Foundation for England and Wales, Bank of Scotland Foundation and Halifax Foundation for Northern Ireland – to mark 40 years of supporting communities across the UK and Channel Islands.
Together, we set out to better understand the role small charities play in supporting financially vulnerable people, and how we can strengthen that support. This research explores the experiences of those who turn to charities when facing financial challenges, identifies barriers charities face in delivering services, and highlights opportunities for deeper collaboration.
Who we spoke to:
- Consumer survey:
Potentially financially vulnerable consumers (900 online survey, 100 telephone survey) are defined within this research as individuals with household incomes of less than £50,000 and less than three months of essential spending saved.
- Small charity survey:
Small charities are defined within this research as those with annual incomes under £500,000 and those that support individuals’ financial wellbeing, regardless of their primary mission.
