Our Social Impact
Explore visual data of our social impact and stories of change from the charities and social enterprises we support. Build your understanding of the social value we’re helping to create.
Explore visual data of our social impact and stories of change from the charities and social enterprises we support. Build your understanding of the social value we’re helping to create.
Charity Bank is driven by social impact, and it is how we measure our success. By using the funds deposited by
individuals and organisations to provide loans to impactful organisations, we aim to create positive change and
address societal challenges.
Hover over the map below to see how much we’ve lent to charities and social enterprises in your region since 2002. Click on a region to see how much we’ve lent to organisations in each area.
£552,757,714
Total amount of money
1346
Total number of loans
| Region | Amount of money | Number of loans |
|---|---|---|
| East Midlands | £20,868,859 | 72 |
| Eastern | £44,601,806 | 123 |
| London | £158,353,297 | 223 |
| North East | £16,898,895 | 31 |
| North West | £40,306,765 | 123 |
| Northern Ireland | £6,215,027 | 11 |
| Scotland | £21,092,107 | 77 |
| South East | £86,718,968 | 211 |
| South West | £43,548,830 | 161 |
| Wales | £11,790,464 | 56 |
| West Midlands | £45,070,708 | 98 |
| Yorkshire & Humber | £57,291,988 | 160 |
£20,868,859
Total amount of money
72
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Derbyshire | £3,498,960 | 26 |
| Leicestershire | £7,669,634 | 15 |
| Lincolnshire | £461,000 | 7 |
| Northamptonshire | £1,910,265 | 8 |
| Nottinghamshire | £7,139,000 | 14 |
| Rutland | £190,000 | 2 |
£44,601,806
Total amount of money
123
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Bedfordshire | £2,545,800 | 10 |
| Cambridgeshire | £8,125,940 | 21 |
| Essex | £17,654,496 | 35 |
| Hertfordshire | £5,774,225 | 20 |
| Huntingdonshire | £530,750 | 1 |
| Norfolk | £4,343,653 | 19 |
| Peterborough | £2,700,000 | 1 |
| Suffolk | £2,926,942 | 16 |
£158,353,297
Total amount of money
223
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Barking and Dagenham | £4,005,000 | 7 |
| Barnet | £12,088,250 | 18 |
| Bermondsey | £812,500 | 1 |
| Bexley | £1,575,000 | 1 |
| Brent | £1,875,000 | 5 |
| Bromley | £1,451,043 | 3 |
| Camden | £14,686,270 | 13 |
| City of London | £11,577,395 | 12 |
| Croydon | £308,000 | 2 |
| Ealing | £4,028,598 | 7 |
| Enfield | £1,635,500 | 3 |
| Greenwich | £3,886,002 | 6 |
| Hackney | £8,353,098 | 11 |
| Hammersmith and Fulham | £5,952,400 | 7 |
| Haringey | £5,138,000 | 7 |
| Harrow | £5,306,891 | 9 |
| Havering | £271,891 | 2 |
| Hillingdon | £3,999,667 | 1 |
| Hounslow | £2,450,000 | 2 |
| Ilford | £1,375,000 | 2 |
| Islington | £4,933,935 | 18 |
| Kensington and Chelsea | £1,028,250 | 3 |
| Kingston Upon Thames | £1,646,250 | 5 |
| Lambeth | £6,412,000 | 13 |
| Lewisham | £7,203,371 | 3 |
| Merton | £117,000 | 2 |
| Middlesex | £182,000 | 1 |
| Newham | £8,412,069 | 9 |
| Richmond | £215,000 | 1 |
| Southwark | £2,010,995 | 14 |
| Tower Hamlets | £2,659,912 | 12 |
| Waltham Forest | £1,380,000 | 1 |
| Walthamstow | £1,267,500 | 1 |
| Wandsworth | £8,266,105 | 6 |
| Westminster | £17,843,405 | 14 |
| Wimbledon | £4,000,000 | 1 |
£16,898,895
Total amount of money
31
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Durham | £6,563,809 | 12 |
| Middlesbrough | £132,000 | 1 |
| Newcastle Upon Tyne | £435,000 | 2 |
| Northumberland | £1,770,000 | 7 |
| Tyne & Wear | £7,998,086 | 9 |
£40,306,765
Total amount of money
123
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Cheshire | £10,322,515 | 14 |
| Cumbria | £5,548,417 | 28 |
| Greater Manchester | £4,037,502 | 19 |
| Lancashire | £11,272,052 | 30 |
| Manchester | £490,750 | 1 |
| Merseyside | £8,635,529 | 31 |
£6,215,027
Total amount of money
11
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Antrim and Newtownabbey | £4,923,309 | 4 |
| Belfast | £472,000 | 3 |
| Derry City and Strabane District | £100,000 | 1 |
| Fermanagh and Omagh | £599,718 | 1 |
| Newry, Mourne and Down | £120,000 | 2 |
£21,092,107
Total amount of money
77
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Angus | £150,000 | 1 |
| Argyll & Bute | £1,074,117 | 15 |
| Aryshire | £284,840 | 3 |
| City of Edinburgh | £1,124,757 | 7 |
| Dumfries & Galloway | £241,000 | 3 |
| Dundee | £320,000 | 2 |
| Fife | £1,463,761 | 2 |
| Glasgow | £9,183,634 | 17 |
| Lanarkshire | £5,874,152 | 17 |
| Midlothian | £888,846 | 3 |
| Perthshire | £62,000 | 2 |
| Renfrewshire | £212,000 | 2 |
| West Dunbartonshire | £60,000 | 2 |
| West Lothian | £153,000 | 1 |
£86,718,968
Total amount of money
211
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Berkshire | £2,375,655 | 10 |
| Buckinghamshire | £7,374,435 | 19 |
| East Sussex | £12,243,951 | 30 |
| Hampshire | £11,050,642 | 31 |
| Kent | £17,511,773 | 52 |
| Oxfordshire | £7,230,205 | 14 |
| Surrey | £26,448,235 | 39 |
| West Sussex | £2,484,072 | 16 |
£43,548,830
Total amount of money
161
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Bristol | £3,603,250 | 4 |
| Cornwall | £7,653,444 | 16 |
| Devon | £9,201,904 | 37 |
| Dorset | £3,084,125 | 18 |
| Gloucestershire | £10,032,573 | 23 |
| Somerset | £6,950,620 | 34 |
| Wiltshire | £3,022,914 | 29 |
£11,790,464
Total amount of money
56
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Anglesey | £20,000 | 1 |
| Cardiff | £4,425,957 | 11 |
| Carmarthenshire | £369,800 | 4 |
| Ceredigion | £1,213,872 | 8 |
| Conwy | £20,000 | 1 |
| Denbighshire | £127,175 | 1 |
| Gwynedd | £1,994,100 | 11 |
| Monmouthshire | £130,000 | 2 |
| Pembrokeshire | £480,000 | 4 |
| Powys | £637,000 | 3 |
| Rhondda Cynon Taff | £920,000 | 6 |
| Torfaen | £1,196,921 | 1 |
| Vale of Glamorgan | £95,200 | 1 |
| Wrexham | £160,439 | 2 |
£45,070,708
Total amount of money
98
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| Birmingham | £9,344,190 | 9 |
| Herefordshire | £500,000 | 2 |
| Shropshire | £1,542,500 | 8 |
| Staffordshire | £7,518,881 | 28 |
| Warwickshire | £838,666 | 4 |
| West Midlands | £23,736,471 | 40 |
| Worcestershire | £1,590,000 | 7 |
£57,291,988
Total amount of money
160
Total number of loans
| County | Amount of money | Number of loans |
|---|---|---|
| East Riding of Yorkshire | £1,350,006 | 7 |
| Hull | £649,845 | 3 |
| Leeds | £520,000 | 1 |
| Lincolnshire | £3,474,532 | 6 |
| North East Lincolnshire | £4,214,600 | 3 |
| North Yorkshire | £17,397,171 | 49 |
| South Yorkshire | £15,167,984 | 51 |
| West Yorkshire | £14,517,850 | 40 |
We lend to a range of sectors, focusing on creating positive social impact. Here are some of the key sectors we support:
60%
Helped projects go ahead
60% of our borrowers said that their project would not have gone ahead without their Charity Bank loan.
78%
Improved services or facilities
78% of our borrowers said that their loan helped to improve the quality of their services or facilities.
66%
Increased resilience
66% of our borrowers said that their resilience had increased as a result of their Charity Bank loan.
Charity Bank is driven by social impact, and it is how we measure our success. For every loan, we consider both the creditworthiness of the borrower and the social impact that the organisation delivers. Our strategy is targeted and specific about the impact we aim to achieve.
We seek positive impact on three levels:
Customer: Continually improve customer service to remain the lender of choice for UK impact-driven organisations. Additionality: Fill gaps in the provision of finance with appropriate funding solutions for social sector organisations. Strengthen: Build resilience and capacity to help our borrowers better deliver their mission.
We are committed to extending our outreach to systematically underfunded groups and prioritising organisations that serve the most vulnerable, underserved, and marginalised. We are thoughtful and deliberate about our lending activity in complex housing needs and are building our ‘green lending’ portfolio.
We strive to create an inclusive and positive employee experience by promoting policies and ways of working that provide equal opportunity, attract and develop diverse talent, and enhance growth. Our culture reflects our commitment to making a positive impact.
We direct our savers’ and investors’ money towards organisations dedicated to improving lives, communities and the environment across the UK. Here are our four steps to positive social impact.
Step 1: Need for finance
Organisations are increasingly moving away from reliance on grants and developing innovative business modules to tackle social problems. This includes seeking loans to increase their social impact and ensure financial stability.
Loan need:
Step 2: Contact Charity Bank
Ready for a loan: A regional manager is assigned and works with the organisation to make a loan application
What if you’re not ready for a loan:
Step 3: Loans to address social needs
We target and prioritise organisations that address the most challenging needs in our society. In 2022, 72% of our loans (£38.5 million) are dedicated to supporting organisations that primarily focus on distinct groups or common needs. Many of these groups face marginalisation and vulnerability, underscoring our commitment to address pressing social issues.
Step 4: The impact of a loan
Loans help our borrowers improve their financial position, the quality and reach of their services, and their ability to deliver their mission
Impact on people
Our loans help charities and social enterprises grow and develop so that they can continue to provide support to people who need it most. This support can help people rebuild their lives, achieve their goals, and build a better future for themselves and their family.
Impact on communities
In 2023, 46% of our lending was directed towards organisations operating in the most disadvantaged areas of the country.
Impact on the planet
We support organisations directly seeking to combat climate change, as well as those who want to reduce their carbon footprint. In 2024, 70% of borrower survey respondents said reducing their carbon footprint was a priority, and 49% said their organisation had a plan for reducing their greenhouse gas emissions.
72%
Increased services
72% of our borrowers reported that their Charity Bank loan increased what they could offer to beneficiaries.
66%
Reduced costs
33% of our borrowers said that their Charity Bank loan helped to reduce costs for their organisation.
96%
Supported mission
96% of our borrowers agreed that their Charity Bank loan contributed towards delivering their mission.
Sources of statistics: Management information and 2024 borrower survey.
