Category: Great Britain

MIL-OSI: Western New England Bancorp, Inc. Reports Results for Three and Six Months Ended June 30, 2025 and Declares Quarterly Cash Dividend

Source: GlobeNewswire (MIL-OSI)

WESTFIELD, Mass., July 22, 2025 (GLOBE NEWSWIRE) — Western New England Bancorp, Inc. (the “Company” or “WNEB”) (NasdaqGS: WNEB), the holding company for Westfield Bank (the “Bank”), announced today the unaudited results of operations for the three and six months ended June 30, 2025. For the three months ended June 30, 2025, the Company reported net income of $4.6 million, or $0.23 per diluted share, compared to net income of $3.5 million, or $0.17 per diluted share, for the three months ended June 30, 2024. On a linked quarter basis, net income was $4.6 million, or $0.23 per diluted share, as compared to net income of $2.3 million, or $0.11 per diluted share, for the three months ended March 31, 2025. For the six months ended June 30, 2025, net income was $6.9 million, or $0.34 per diluted share, compared to net income of $6.5 million, or $0.31 per diluted share, for the six months ended June 30, 2024.

The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.07 per share on the Company’s common stock. The dividend will be payable on or about August 20, 2025 to shareholders of record on August 6, 2025.

James C. Hagan, President and Chief Executive Officer, commented, “We are pleased to report solid earnings for the second quarter of 2025, along with strong overall loan growth and core deposit growth. Core deposits increased $81.4 million, or 5.2%, since year-end, which will be beneficial as we continue to lower deposit costs and reduce our reliance on time deposits. We are also pleased to report that our commercial and industrial loan portfolio increased $22.8 million, or 10.8%, during the six months ended June 30, 2025, and our residential real estate portfolio increased $29.7 million, or 3.8%, during the same period. Growth in commercial and industrial loans is a strategic priority for the Company as we remain focused on meeting the needs of our business and commercial customers.

We believe our balance sheet structure will continue to have a positive impact on earnings in the current interest rate environment. Net interest income increased $2.1 million, or 13.6%, from the three months ended March 31, 2025 to the three months ended June 30, 2025, while the net interest margin increased 31 basis points from 2.49% to 2.80% during the same period. Our loan growth and disciplined approach to managing funding costs have allowed us to expand our net interest margin as we continue to decrease the cost of interest-bearing liabilities and our reliance on time deposits. Our asset quality remains solid, with nonperforming assets to total assets of 0.21%, and total delinquency as a percentage of total loans of 0.18%.”

Hagan concluded, “Our capital position continues to remain strong, and the Company is considered to be well-capitalized as defined by the regulators. We remain disciplined in our capital management strategies and during the six months ended June 30, 2025, we repurchased 497,318 shares of common stock with an average price per share of $9.31. We continue to believe that buying back shares, at current prices, represents a prudent use of the Company’s capital. On April 22, 2025, we announced a new repurchase plan (the “2025 Plan”) which commenced upon the completion of the 2024 Repurchase Plan (the “2024 Plan”). On June 3, 2025, we announced the completion of the 2024 Plan, under which the Company repurchased a total of 1.0 million shares at an average price per share of $8.79. We are pleased with our second quarter results and are committed to delivering long-term value to shareholders through capital management strategies, which include continued loan growth, share repurchases and quarterly cash dividends.”

Key Highlights:

Loans and Deposits

Total gross loans increased $22.1 million, or 1.1%, from $2.1 billion, or 77.9% of total assets, at December 31, 2024 to $2.1 billion, or 77.1% of total assets, at June 30, 2025. The increase in total gross loans was primarily driven by an increase in residential real estate loans, including home equity loans, of $29.7 million, or 3.8%, and an increase in commercial and industrial loans of $22.8 million, or 10.8%. These increases were partially offset by a decrease in commercial real estate loans of $29.5 million, or 2.7%, and a decrease in consumer loans of $879,000, or 20.0%.

At June 30, 2025, total deposits of $2.3 billion increased $67.5 million, or 3.0%, from December 31, 2024. Core deposits, which the Company defines as all deposits except time deposits, increased $81.4 million, or 5.2%, from $1.6 billion, or 68.9% of total deposits, at December 31, 2024, to $1.6 billion, or 70.4% of total deposits, at June 30, 2025. Time deposits decreased $13.9 million, or 2.0%, from $703.6 million at December 31, 2024 to $689.7 million at June 30, 2025. Brokered time deposits, which are included in time deposits, totaled $1.7 million at December 31, 2024. The Company did not have brokered time deposits at June 30, 2025. The loan-to-deposit ratio decreased from 91.5% at December 31, 2024 to 89.8% at June 30, 2025.

Allowance for Loan Losses and Credit Quality

At June 30, 2025, the allowance for credit losses was $19.7 million, or 0.94% of total loans, compared to $19.5 million, or 0.94% of total loans, at December 31, 2024. The allowance for loan losses, as a percentage of nonaccrual loans, was 343.1% and 362.9% at June 30, 2025 and December 31, 2024, respectively. At June 30, 2025, nonaccrual loans totaled $5.8 million, or 0.27% of total loans, compared to $5.4 million, or 0.26% of total loans, at December 31, 2024. Total delinquent loans decreased from $5.0 million, or 0.24% of total loans, at December 31, 2024 to $3.9 million, or 0.18% of total loans, at June 30, 2025. At June 30, 2025 and December 31, 2024, the Company did not have any other real estate owned.

Net Interest Margin

The net interest margin increased 31 basis points, from 2.49% for the three months ended March 31, 2025 to 2.80% for the three months ended June 30, 2025. The net interest margin, on a tax-equivalent basis, increased 31 basis points from 2.51% for the three months ended March 31, 2025 to 2.82%, for the three months ended June 30, 2025.

Stock Repurchase Program

On April 22, 2025, the Board of Directors authorized the 2025 Plan, pursuant to which the Company may repurchase up to 1.0 million shares of its common stock, or approximately 4.8%, of the Company’s then-outstanding shares of common stock, upon the completion of the 2024 Plan. On June 3, 2025, the Company announced the completion of its 2024 Plan under which the Company repurchased a total of 1.0 million shares at an average price per share of $8.79.

During the three months ended June 30, 2025, the Company repurchased 290,609 shares of its common stock at an average price per share of $9.45. During the six months ended June 30, 2025, the Company repurchased 497,318 shares of its common stock at an average price per share of $9.31. As of June 30, 2025, there were 975,000 shares of common stock available for repurchase under the 2025 Plan.

The repurchase of shares under our 2025 Plan is administered through an independent broker. The shares of common stock repurchased under the 2025 Plan have been and will continue to be purchased from time to time at prevailing market prices, through open market or privately negotiated transactions, or otherwise, depending upon market conditions. There is no guarantee as to the exact number, or value, of shares that will be repurchased by the Company, and the Company may discontinue repurchases at any time that the Company’s management (“Management”) determines additional repurchases are not warranted. The timing and amount of additional share repurchases under the 2025 Plan will depend on a number of factors, including the Company’s stock price performance, ongoing capital planning considerations, general market conditions, and applicable legal requirements.

Book Value and Tangible Book Value

The Company’s book value per share was $11.68 at June 30, 2025 compared to $11.30 at December 31, 2024, while tangible book value per share, a non-GAAP financial measure, increased $0.38, or 3.6%, from $10.63 at December 31, 2024 to $11.01 at June 30, 2025. See pages 19-21 for the related tangible book value calculation and a reconciliation of GAAP to non-GAAP financial measures.

Net Income for the Three Months Ended June 30, 2025 Compared to the Three Months Ended March 31, 2025

For the three months ended June 30, 2025, the Company reported an increase in net income of $2.3 million, or 99.3%, from $2.3 million, or $0.11 per diluted share, for the three months ended March 31, 2025, to $4.6 million, or $0.23 per diluted share. Net interest income increased $2.1 million, or 13.6%, the provision for credit losses decreased $757,000, non-interest income increased $652,000, or 23.6%, and non-interest expense increased $472,000, or 3.1%. Return on average assets and return on average equity were 0.69% and 7.76%, respectively, for the three months ended June 30, 2025, compared to 0.35% and 3.94%, respectively, for the three months ended March 31, 2025.

Net Interest Income and Net Interest Margin

On a sequential quarter basis, net interest income, our primary driver of revenues, increased $2.1 million, or 13.6%, to $17.6 million for the three months ended June 30, 2025, from $15.5 million for the three months ended March 31, 2025. The increase in net interest income was primarily due to an increase in interest income of $1.2 million, or 4.1%, and a decrease in interest expense of $933,000, or 7.2%. During the three months ended June 30, 2025, the Company recorded $425,000 in prepayment penalties related to payoffs in the commercial portfolio. The $933,000, or 7.2%, decrease in interest expense was primarily due to a decrease in average rates paid on interest-bearing deposits during the three months ended June 30, 2025, compared to the three months ended March 31, 2025.

The net interest margin was 2.80% for the three months ended June 30, 2025, compared to 2.49% for the three months ended March 31, 2025. The net interest margin, on a tax-equivalent basis, was 2.82% for the three months ended June 30, 2025, compared to 2.51% for the three months ended March 31, 2025. Excluding the prepayment penalties discussed above, the net interest margin increased 24 basis points from 2.49% for the three months ended March 31, 2025 to 2.73% for the three months ended June 30, 2025. The increase in the net interest margin was primarily due to an increase in the yield on average interest-earning assets and a decrease in the average cost of interest-bearing liabilities.

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, increased 13 basis points from 4.56%, for the three months ended March 31, 2025 to 4.69% for the three months ended June 30, 2025. The average loan yield, without the impact of tax-equivalent adjustments, increased 16 basis points from 4.89%, for the three months ended March 31, 2025, to 5.05% for the three months ended June 30, 2025. During the same period, average loans increased $7.8 million, or 0.4%, and average securities increased $9.7 million, or 2.7%, while average short-term investments decreased $17.4 million, or 22.9%.

The average cost of total funds, including non-interest bearing accounts and borrowings, decreased 18 basis points from 2.16% for the three months ended March 31, 2025 to 1.98% for the three months ended June 30, 2025. The average cost of core deposits, which the Company defines as all deposits except time deposits, decreased seven basis points to 1.01% for the three months ended June 30, 2025, from 1.08% for the three months ended March 31, 2025. The average cost of time deposits decreased 42 basis points from 4.11% for the three months ended March 31, 2025, to 3.69% for the three months ended June 30, 2025. The average cost of borrowings, including subordinated debt, was 5.04% for the three months ended March 31, 2025 and for the three months ended June 30, 2025. Average demand deposits, an interest-free source of funds, increased $3.2 million, or 0.6%, from $569.6 million, or 24.8%, of total average deposits, for the three months ended March 31, 2025, to $572.8 million, or 24.9% of total average deposits, for the three months ended June 30, 2025.

(Reversal of) Provision for Credit Losses

During the three months ended June 30, 2025, the Company recorded a reversal of credit losses of $615,000, compared to a provision for credit losses of $142,000 during the three months ended March 31, 2025. The reversal of credit losses was a result of a recovery in the amount of $624,000 on a previously charged-off commercial relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc. As of June 30, 2025, the relationship has been paid in full and the Company does not expect to charge-off or recover any additional funds from the borrower. The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and Management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, tariffs, inflation and concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment.

During the three months ended June 30, 2025, the Company recorded net recoveries of $585,000 compared to net charge-offs of $29,000 for the three months ended March 31, 2025.

Non-Interest Income

On a sequential quarter basis, non-interest income increased $652,000, or 23.6%, to $3.4 million for the three months ended June 30, 2025, from $2.8 million for the three months ended March 31, 2025. During the three months ended June 30, 2025, service charges and fees on deposits increased $244,000, or 10.7%, to $2.5 million from the three months ended March 31, 2025. Income from bank-owned life insurance (“BOLI”) increased $43,000, or 9.1%, from the three months ended March 31, 2025 to $516,000 for the three months ended June 30, 2025.

During the three months ended June 30, 2025, the Company reported a gain of $4,000 from mortgage banking activities, compared to a gain of $7,000 during the three months ended March 31, 2025. During the three months ended June 30, 2025, the Company reported unrealized gains on marketable equity securities of $25,000, compared to unrealized losses of $5,000 during the three months ended March 31, 2025. During the three months ended June 30, 2025, the Company reported gains on non-marketable equity investments of $243,000 and did not have comparable income during the three months ended March 31, 2025. During the three months ended June 30, 2025, the Company reported $95,000 in other income from loan-level swap fees on commercial loans and did not have comparable income during the three months ended March 31, 2025.

Non-Interest Expense

For the three months ended June 30, 2025, non-interest expense increased $472,000, or 3.1%, to $15.7 million from $15.2 million for the three months ended March 31, 2025. Salaries and related benefits increased $418,000, or 5.0%, due to an increase in deferred compensation expense to reflect updated performance award estimates and a full quarter of annual salary merit increases. Debit card processing and ATM network costs increased $97,000, or 16.8%, professional fees increased $77,000, or 14.1%, data processing expense increased $51,000, or 5.8%, advertising expense increased $14,000, or 3.3%, furniture and equipment expense increased $4,000, or 0.8%, and other non-interest expense increased $4,000, or 0.3%. These increases were partially offset by a decrease in occupancy expense of $147,000, or 10.4%, primarily due to a decrease in snow removal costs of $140,000. FDIC insurance expense decreased $32,000, or 7.4%, and software related expenses decreased $14,000, or 2.1%.

For the three months ended June 30, 2025 and the three months ended March 31, 2025, the efficiency ratio was 74.4% and 83.0%, respectively. For the three months ended June 30, 2025, the adjusted efficiency ratio, a non-GAAP financial measure, was 75.3% compared to 83.0% for the three months ended March 31, 2025. The decreases in the efficiency ratio and the adjusted efficiency ratio were driven by higher revenues during the three months ended June 30, 2025 compared to the three months ended March 31, 2025. The Company’s detailed reconciliation between the non-GAAP measure and the comparable GAAP amount are included at the end of this document. See pages 19-21 for the related adjusted efficiency ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

Income Tax Provision

Income tax expense for the three months ended June 30, 2025 was $1.4 million, with an effective tax rate of 23.7%, compared to $664,000, with an effective tax rate of 22.4%, for the three months ended March 31, 2025. The increase in tax expense is due to higher projected pre-tax income for the twelve months ended December 31, 2025.

Net Income for the Three Months Ended June 30, 2025 Compared to the Three Months Ended June 30, 2024

The Company reported an increase in net income of $1.1 million, or 30.7%, from $3.5 million, or $0.17 per diluted share, for the three months ended June 30, 2024 to $4.6 million, or $0.23 per diluted share, for the three months ended June 30, 2025. Net interest income increased $3.2 million, or 21.9%, provision for credit losses decreased $321,000, non-interest income decreased $423,000, or 11.0%, and non-interest expense increased $1.3 million, or 9.4%, during the same period. Return on average assets and return on average equity were 0.69% and 7.76%, respectively, for the three months ended June 30, 2025, compared to 0.55% and 6.03%, respectively, for the three months ended June 30, 2024.

Net Interest Income and Net Interest Margin

Net interest income increased $3.2 million, or 21.9%, to $17.6 million, for the three months ended June 30, 2025, from $14.5 million for the three months ended June 30, 2024. The increase in net interest income was due to an increase in interest and dividend income of $2.8 million, or 10.5%, and a decrease in interest expense of $362,000, or 2.9%. During the three months ended June 30, 2025, the Company recorded $425,000 in prepayment penalties related to payoffs in the commercial portfolio. The increase in interest income was primarily due to a $129.4 million, or 5.4%, increase in average interest-earning assets and a 20 basis point increase in the average yield on interest-earning assets, from the three months ended June 30, 2024 to the three months ended June 30, 2025.

The net interest margin increased 38 basis points from 2.42% for the three months ended June 30, 2024 to 2.80% for the three months ended June 30, 2025. The net interest margin, on a tax-equivalent basis, was 2.82% for the three months ended June 30, 2025, compared to 2.44% for the three months ended June 30, 2024. Excluding the prepayment penalties discussed above, the net interest margin increased 31 basis points from 2.42%, for the three months ended June 30, 2024 to 2.73%, for the three months ended June 30, 2025. The increase in the net interest margin was primarily due to an increase in the average yield on interest-earning assets and a decrease in the average cost of interest-bearing liabilities.

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, increased 20 basis points from 4.49% for the three months ended June 30, 2024 to 4.69%, for the three months ended June 30, 2025. The average loan yield, without the impact of tax-equivalent adjustments, increased 20 basis points from 4.85% for the three months ended June 30, 2024 to 5.05%, for the three months ended June 30, 2025. During the three months ended June 30, 2025, average interest-earning assets increased $129.4 million, or 5.4% to $2.5 billion, primarily due to an increase in average loans of $64.2 million, or 3.2%, an increase in average short-term investments, consisting of cash and cash equivalents, of $44.3 million, or 309.1%, and an increase in average securities of $20.2 million, or 5.7%.

The average cost of total funds, including non-interest bearing accounts and borrowings, decreased 18 basis points from 2.16% for the three months ended June 30, 2024 to 1.98% for the three months ended June 30, 2025. The average cost of core deposits, which the Company defines as all deposits except time deposits, increased 14 basis points from 0.87% for the three months ended June 30, 2024 to 1.01% for the three months ended June 30, 2025. The average cost of time deposits decreased 70 basis points from 4.39% for the three months ended June 30, 2024 to 3.69% for the three months ended June 30, 2025. The average cost of borrowings, including subordinated debt, increased four basis points from 5.00% for the three months ended June 30, 2024 to 5.04%, for the three months ended June 30, 2025. Average demand deposits, an interest-free source of funds, increased $24.1 million, or 4.4%, from $548.8 million, or 25.7% of total average deposits, for the three months ended June 30, 2024, to $572.8 million, or 24.9% of total average deposits, for the three months ended June 30, 2025.

Reversal of Credit Losses

During the three months ended June, 30, 2025, the Company recorded a reversal of credit losses of $615,000, compared to a reversal of credit losses of $294,000 during the three months ended June 30, 2024. The reversal of credit losses recorded during the three months ended June 30, 2025 was a result of a recovery in the amount of $624,000 on a previously charged-off commercial relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc. As of June 30, 2025, the relationship has been paid in full and the Company does not expect to charge-off or recover any additional funds from the borrower. The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and Management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, tariffs, inflation and concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment.

The Company recorded net recoveries of $585,000 for the three months ended June 30, 2025, as compared to net charge-offs of $10,000 for the three months ended June 30, 2024.

Non-Interest Income

Non-interest income decreased $423,000, or 11.0%, to $3.4 million for the three months ended June 30, 2025, from $3.8 million for the three months ended June 30, 2024. During the three months ended June 30, 2025, service charges and fees on deposits increased $187,000, or 8.0%, income from BOLI increased $14,000, or 2.8%, from $502,000 for the three months ended June 30, 2024 to $516,000 for the three months ended June 30, 2025.

During the three months ended June 30, 2025, the Company reported an unrealized gain on marketable equity securities of $25,000, compared to unrealized gain on marketable equity securities of $4,000 during the three months ended June 30, 2024. During the three months ended June 30, 2025, the Company reported a gain of $243,000 on non-marketable equity investments, compared to a gain of $987,000 on non-marketable equity investments during the three months ended June 30, 2024. During the three months ended June 30, 2025, the Company reported $95,000 in other income from loan-level swap fees on commercial loans and did not have comparable income during the three months ended June 30, 2024. During the three months ended June 30, 2025, the Company reported $4,000 in gains from mortgage banking activities and did not have comparable income during the three months ended June 30, 2024.

Non-Interest Expense

For the three months ended June 30, 2025, non-interest expense increased $1.3 million, or 9.4%, to $15.7 million from $14.3 million for the three months ended June 30, 2024. The increase in non-interest expense was due to an increase in salaries and benefits of $930,000, or 11.8%, an increase in advertising and marketing expense of $104,000, or 30.7%, an increase in data processing expense of $87,000, or 10.3%, an increase in software related expense of $79,000, or 14.0%, an increase in FDIC insurance expense of $76,000, or 23.5%, an increase in occupancy expense of $47,000, or 3.9%, an increase in professional fees of $42,000, or 7.2%, an increase in debit card and ATM processing fees of $31,000, or 4.8%, an increase in furniture and equipment expense of $8,000, or 1.7%, and a decrease in other non-interest expense of $62,000, or 4.4%.

For the three months ended June 30, 2025, the efficiency ratio was 74.4%, compared to 78.2% for the three months ended June 30, 2024. For the three months ended June 30, 2025, the adjusted efficiency ratio, a non-GAAP financial measure, was 75.3% compared to 82.7% for the three months ended June 30, 2024. The decreases in the efficiency ratio and the adjusted efficiency ratio were driven by an increase in total revenues, defined as the sum of net interest income and non-interest income, during the three months ended June 30, 2025, compared to the three months ended June 30, 2024. See pages 19-21 for the related ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

Income Tax Provision

Income tax expense for the three months ended June 30, 2025 was $1.4 million, or an effective tax rate of 23.7%, compared to $771,000, or an effective tax rate of 18.0%, for the three months ended June 30, 2024. The increase is due to higher projected pre-tax income for the twelve months ended December 31, 2025.

Net Income for the Six Months Ended June 30, 2025 Compared to the Six Months Ended June 30, 2024

For the six months ended June 30, 2025, the Company reported net income of $6.9 million, or $0.34 per diluted share, compared to $6.5 million, or $0.31 per diluted share, for the six months ended June 30, 2024. Return on average assets and return on average equity were 0.52% and 5.87% for the six months ended June 30, 2025, respectively, compared to 0.51% and 5.53% for the six months ended June 30, 2024, respectively.

Net Interest Income and Net Interest Margin

During the six months ended June 30, 2025, net interest income increased $3.4 million, or 11.3%, to $33.2 million, compared to $29.8 million for the six months ended June 30, 2024. The increase in net interest income was due to an increase in interest income of $4.6 million, or 8.7%, partially offset by an increase in interest expense of $1.3 million, or 5.4%.

For the six months ended June 30, 2025, the net interest margin increased 14 basis points from 2.50% for the six months ended June 30, 2024 to 2.64%. The net interest margin, on a tax-equivalent basis, was 2.66% for the six months ended June 30, 2025, compared to 2.52% for the six months ended June 30, 2024. During the six months ended June 30, 2025 and the six months ended June 30, 2024, the Company recorded $425,000 and $8,000, respectively, in prepayment penalties related to payoffs in the commercial portfolio. Excluding the prepayment penalties, the net interest margin increased 11 basis points from 2.50% for the six months ended June 30, 2024 to 2.61% for the six months ended June 30, 2025.

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, was 4.63% for the six months ended June 30, 2025, compared to 4.47% for the six months ended June 30, 2024. The average loan yield, without the impact of tax-equivalent adjustments, was 4.97% for the six months ended June 30, 2025, compared to 4.84% for the six months ended June 30, 2024. During the six months ended June 30, 2025, average interest-earning assets increased $128.0 million, or 5.3%, to $2.5 billion, from the same period in 2024. The increase was primarily due to an increase in average loans of $58.0 million, or 2.9%, an increase in average short-term investments, consisting of cash and cash equivalents, of $55.4 million, or 467.4%, and an increase in average securities of $13.1 million, or 3.7%.

The average cost of total funds, including non-interest bearing accounts and borrowings, was 2.07% for each of the six months ended June 30, 2025 and June 30, 2024. The average cost of core deposits, which the Company defines as all deposits except time deposits, increased 23 basis points to 1.05% for the six months ended June 30, 2025, from 0.82% for the six months ended June 30, 2024. The average cost of time deposits decreased 36 basis points from 4.26% for the six months ended June 30, 2024 to 3.90% for the six months ended June 30, 2025. The average cost of borrowings, including subordinated debt, increased eight basis points from 4.96% for the six months ended June 30, 2024 to 5.04% for the six months ended June 30, 2025. Average demand deposits, an interest-free source of funds, increased $18.0 million, or 3.3%, from $553.2 million, or 25.9% of total average deposits, for the six months ended June 30, 2024 to $571.2 million, or 24.8% of total average deposits, for the six months ended June 30, 2025.

Reversal of Credit Losses

During the six months ended June 30, 2025, the Company recorded a reversal of credit losses of $473,000, compared to a reversal of credit losses of $844,000 during the six months ended June 30, 2024. The decrease was primarily due to changes in the loan mix as well as economic environment and related adjustments to the quantitative components of the CECL methodology. The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and Management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, tariffs, inflation and concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment.

The Company recorded net recoveries of $556,000 for the six months ended June 30, 2025, as compared to net recoveries of $57,000 for the six months ended June 30, 2024. During the six months ended June 30, 2025, the Company recorded a recovery of $624,000 on a previously charged-off commercial relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc. As of June 30, 2025, the relationship has been paid in full and the Company does not expect to charge-off or recover any additional funds from the borrower.

Non-Interest Income

For the six months ended June 30, 2025, non-interest income decreased $338,000, or 5.2%, from $6.5 million during the six months ended June 30, 2024 to $6.2 million. During the same period, service charges and fees on deposits increased $252,000, or 5.5%, and income from BOLI increased $34,000, or 3.6%. During the six months ended June 30, 2025, the Company reported a gain of $243,000 on non-marketable equity investments, compared to a gain of $987,000 during the six months ended June 30, 2024. During the six months ended June 30, 2025, the Company reported $95,000 in other income from loan-level swap fees on commercial loans and did not have comparable income during the six months ended June 30, 2024. During the six months ended June 30, 2025, the Company reported unrealized gains on marketable equity securities of $20,000, compared to unrealized gains on marketable equity securities of $12,000 during the six months ended June 30, 2024. Gains and losses from the investment portfolio vary from quarter to quarter based on market conditions, as well as the related yield curve and valuation changes. During the six months ended June 30, 2025, the Company reported $11,000 in gains from mortgage banking activities and did not have comparable gains or losses during the six months ended June 30, 2024. In addition, during the six months ended June 30, 2024, the Company reported a loss on the disposal of premises and equipment of $6,000 and did not have a comparable gain or loss during the six months ended June 30, 2025.

Non-Interest Expense

For the six months ended June 30, 2025, non-interest expense increased $1.7 million, or 6.0%, to $30.8 million, compared to $29.1 million for the six months ended June 30, 2024. The increase in non-interest expense was primarily due to an increase in salaries and employee benefits of $1.1 million, or 6.8%, due to an increase in deferred compensation expense to reflect updated performance award estimates. Advertising expense increased $184,000, or 26.7%, data processing increased $107,000, or 6.3%, FDIC insurance expense increased $97,000, or 13.2%, occupancy expense increased $96,000, or 3.7%, debit card and ATM processing fees increased $56,000, or 4.7%, software related expenses increased $39,000, or 3.1%, professional fees increased $19,000, or 1.7%, furniture and equipment expense increased $11,000, or 1.1%, and other non-interest expense increased $36,000, or 1.4%.

For the six months ended June 30, 2025, the efficiency ratio was 78.4%, compared to 80.1% for the six months ended June 30, 2024. For the six months ended June 30, 2025, the adjusted efficiency ratio, a non-GAAP financial measure, was 78.9%, compared to 82.4% for the six months ended June 30, 2024. The decreases in the efficiency ratio and the adjusted efficiency ratio were driven by higher revenues, defined as the sum of net interest income and non-interest income, during the six months ended June 30, 2025, compared to the six months ended June 30, 2024. The adjusted efficiency ratio is a non-GAAP measure. See pages 19-21 for the related efficiency ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

Income Tax Provision

Income tax expense for the six months ended June 30, 2025 was $2.1 million, representing an effective tax rate of 23.2%, compared to $1.6 million, representing an effective tax rate of 19.8%, for six months ended June 30, 2024. The increase is due to higher projected pre-tax income for the twelve months ended December 31, 2025.

Balance Sheet

At June 30, 2025, total assets were $2.7 billion, an increase of $58.1 million, or 2.2%, from December 31, 2024. The increase in total assets was primarily due to an increase in total gross loans of $22.1 million, or 1.1%, an increase in cash and cash equivalents of $26.9 million, or 40.4%, and an increase in investment securities of $10.8 million, or 2.9%.

Investments

At June 30, 2025, the investment securities portfolio totaled $376.9 million, or 13.9% of total assets, compared to $366.1 million, or 13.8% of total assets, at December 31, 2024. At June 30, 2025, the Company’s available-for-sale securities portfolio, recorded at fair market value, increased $18.1 million, or 11.3%, from $160.7 million at December 31, 2024 to $178.8 million. The held-to-maturity securities portfolio, recorded at amortized cost, decreased $7.4 million, or 3.6%, from $205.0 million at December 31, 2024 to $197.7 million at June 30, 2025.

At June 30, 2025, the Company reported unrealized losses on the available-for-sale securities portfolio of $26.6 million, or 12.9% of the amortized cost basis of the available-for-sale securities portfolio, compared to unrealized losses of $31.2 million, or 16.2% of the amortized cost basis of the available-for-sale securities at December 31, 2024. At June 30, 2025, the Company reported unrealized losses on the held-to-maturity securities portfolio of $35.4 million, or 17.8% of the amortized cost basis of the held-to-maturity securities portfolio, compared to $39.4 million, or 19.2% of the amortized cost basis of the held-to-maturity securities portfolio at December 31, 2024.

The securities in which the Company may invest are limited by regulation. Federally chartered savings banks have authority to invest in various types of assets, including U.S. Treasury obligations, securities of various government-sponsored enterprises, mortgage-backed securities, certain certificates of deposit of insured financial institutions, repurchase agreements, overnight and short-term loans to other banks, corporate debt instruments and marketable equity securities. The securities, with the exception of $8.7 million in corporate bonds, are issued by the United States government or government-sponsored enterprises and are therefore either explicitly or implicitly guaranteed as to the timely payment of contractual principal and interest. These positions are deemed to have no credit impairment, therefore, the disclosed unrealized losses with the securities portfolio relate primarily to changes in prevailing interest rates. In all cases, price improvement in future periods will be realized as the issuances approach maturity.

Management regularly reviews the portfolio for securities in an unrealized loss position. At June 30, 2025 and December 31, 2024, the Company did not record any credit impairment charges on its securities portfolio and attributed the unrealized losses primarily due to fluctuations in general interest rates or changes in expected prepayments and not due to credit quality. The primary objective of the Company’s investment portfolio is to provide liquidity and to secure municipal deposit accounts while preserving the safety of principal. The available-for-sale and held-to-maturity portfolios are both eligible for pledging to the Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) as collateral for borrowings. The portfolios are comprised of high-credit quality investments and both portfolios generated cash flows monthly from interest, principal amortization and payoffs, which support’s the Bank’s objective to provide liquidity.

Total Loans

Total gross loans increased $22.1 million, or 1.1%, from $2.1 billion, or 77.9% of total assets, at December 31, 2024 to $2.1 billion, or 77.1% of total assets, at June 30, 2025. The increase in total gross loans was primarily driven by an increase in residential real estate loans, including home equity loans, of $29.7 million, or 3.8%, and an increase in commercial and industrial loans of $22.8 million, or 10.8%. The increase in commercial and industrial loans was partially due to an increase in line of credit utilization, from 21.9% at December 31, 2024 to 26.1% at June 30, 2025. These increases were partially offset by a decrease in commercial real estate loans of $29.5 million, or 2.7%, and a decrease in consumer loans of $879,000, or 20.0%.

The following table presents a summary of the loan portfolio by the major classification of loans at the periods indicated:

	June 30, 2025		December 31, 2024
	(Dollars in thousands)

Commercial real estate loans:
Non-owner occupied	$	859,162	$	880,828
Owner occupied		187,043		194,904
Total commercial real estate loans		1,046,205		1,075,732

Residential real estate loans:
Residential		677,356		653,802
Home equity		128,003		121,857
Total residential real estate loans		805,359		775,659

Commercial and industrial loans		234,505		211,656

Consumer loans		3,512		4,391
Total gross loans		2,089,581		2,067,438
Unamortized premiums and net deferred loans fees and costs		3,050		2,751
Total loans	$	2,092,631	$	2,070,189

Credit Quality

Management continues to closely monitor the loan portfolio for any signs of deterioration in borrowers’ financial condition and also in light of speculation that commercial real estate values may deteriorate as the market continues to adjust to higher vacancies and interest rates. We continue to proactively take steps to mitigate risk in our loan portfolio.

Total delinquency was $3.9 million, or 0.18% of total loans, at June 30, 2025, compared to $5.0 million, or 0.24% of total loans at December 31, 2024. At June 30, 2025, nonaccrual loans totaled $5.8 million, or 0.27% of total loans, compared to $5.4 million, or 0.26% of total loans, at December 31, 2024. At June 30, 2025 and December 31, 2024, there were no loans 90 or more days past due and still accruing interest. Total nonaccrual assets totaled $5.8 million, or 0.21% of total assets, at June 30, 2025, compared to $5.4 million, or 0.20% of total assets, at December 31, 2024. At June 30, 2025 and December 31, 2024, the Company did not have any other real estate owned.

At June 30, 2025, the allowance for credit losses was $19.7 million, or 0.94% of total loans and 343.1% of nonaccrual loans, compared to $19.5 million, or 0.94% of total loans and 362.9% of nonaccrual loans, at December 31, 2024. Total criticized loans, defined as special mention and substandard loans, decreased $12.3 million, or 32.0%, from $38.4 million, or 1.9% of total loans, at December 31, 2024 to $26.1 million, or 1.2% of total gross loans, at June 30, 2025.

Our commercial real estate portfolio is comprised of diversified property types and primarily within our geographic footprint. At June 30, 2025, the commercial real estate portfolio totaled $1.0 billion, and represented 50.1% of total gross loans. Of the $1.0 billion, $859.2 million, or 82.1%, was categorized as non-owner occupied commercial real estate and represented 316.9% of the Bank’s total risk-based capital. More details on the diversification of the loan portfolio are available in the supplementary earnings presentation.

Deposits

At June 30, 2025, total deposits were $2.3 billion and increased $67.5 million, or 3.0%, from December 31, 2024. Core deposits, which the Company defines as all deposits except time deposits, increased $81.4 million, or 5.2%, from $1.6 billion, or 68.9% of total deposits, at December 31, 2024, to $1.6 billion, or 70.4% of total deposits, at June 30, 2025. Non-interest-bearing deposits increased $29.6 million, or 5.2%, to $595.3 million, and represent 25.5% of total deposits, money market accounts increased $25.3 million, or 3.8%, to $686.8 million, interest-bearing checking accounts increased $18.3 million, or 12.2%, to $168.7 million, and savings accounts increased $8.1 million, or 4.5%, to $189.7 million.

Time deposits decreased $13.9 million, or 2.0%, from $703.6 million at December 31, 2024 to $689.7 million at June 30, 2025. Brokered time deposits, which are included in time deposits, totaled $1.7 million at December 31, 2024. The Company did not have brokered time deposits at June 30, 2025. We continue our disciplined and focused approach to core relationship management and customer outreach to meet funding requirements and liquidity needs, with an emphasis on retaining a long-term core customer relationship base by competing for and retaining deposits in our local market. At June 30, 2025, the Bank’s uninsured deposits totaled $688.4 million, or 29.5% of total deposits, compared to $643.6 million, or 28.4% of total deposits, at December 31, 2024.

The table below is a summary of our deposit balances for the periods noted:


	June 30, 2025		December 31, 2024		June 30, 2024
	(Dollars in thousands)
Core Deposits:
Demand accounts	$	595,263	$	565,620	$	553,329
Interest-bearing accounts		168,679		150,348		149,100
Savings accounts		189,716		181,618		186,171
Money market accounts		686,774		661,478		611,501
Total Core Deposits	$	1,640,432	$	1,559,064	$	1,500,101
Time Deposits:		689,681		703,583		671,708
Total Deposits:	$	2,330,113	$	2,262,647	$	2,171,809

FHLB and Subordinated Debt

At June 30, 2025, total borrowings decreased $1.3 million, or 1.1%, from $123.1 million at December 31, 2024 to $121.8 million. At June 30, 2025, short-term borrowings decreased $1.4 million, or 25.1%, to $4.0 million, compared to $5.4 million at December 31, 2024. Long-term borrowings were $98.0 million at June 30, 2025 and December 31, 2024. At June 30, 2025 and December 31, 2024, borrowings also consisted of $19.8 million in fixed-to-floating rate subordinated notes.

As of June 30, 2025, the Company had $452.7 million of additional borrowing capacity at the FHLB, $383.8 million of additional borrowing capacity under the FRB Discount Window and $25.0 million of other unsecured lines of credit with correspondent banks.

Capital

At June 30, 2025, shareholders’ equity was $239.4 million, or 8.8% of total assets, compared to $235.9 million, or 8.9% of total assets, at December 31, 2024. The change was primarily attributable to a decrease in accumulated other comprehensive loss of $3.5 million, cash dividends paid of $2.9 million, repurchase of shares at a cost of $4.7 million, partially offset by net income of $6.9 million. At June 30, 2025, total shares outstanding were 20,494,501. The Company’s regulatory capital ratios continue to be strong and in excess of regulatory minimum requirements to be considered well-capitalized as defined by regulators and internal Company targets.

	June 30, 2025				December 31, 2024
	Company		Bank		Company		Bank
Total Capital (to Risk Weighted Assets)	14.42	%	13.69	%	14.38	%	13.65	%
Tier 1 Capital (to Risk Weighted Assets)	12.40	%	12.67	%	12.37	%	12.64	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)	12.40	%	12.67	%	12.37	%	12.64	%
Tier 1 Leverage Ratio (to Adjusted Average Assets)	9.10	%	9.29	%	9.14	%	9.34	%

Dividends

Although the Company has historically paid quarterly dividends on its common stock and currently intends to continue to pay such dividends, the Company’s ability to pay such dividends depends on a number of factors, including restrictions under federal laws and regulations on the Company’s ability to pay dividends, and as a result, there can be no assurance that dividends will continue to be paid in the future.

About Western New England Bancorp, Inc.

Western New England Bancorp, Inc. is a Massachusetts-chartered stock holding company and the parent company of Westfield Bank, CSB Colts, Inc., Elm Street Securities Corporation, WFD Securities, Inc. and WB Real Estate Holdings, LLC. Western New England Bancorp, Inc. and its subsidiaries are headquartered in Westfield, Massachusetts and operate 25 banking offices throughout western Massachusetts and northern Connecticut. To learn more, visit our website at www.westfieldbank.com.

Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to the Company’s financial condition, liquidity, results of operations, future performance, and business. Forward-looking statements may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” and “potential.” Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include, but are not limited to:

unpredictable changes in general economic or political conditions, financial markets, fiscal, monetary and regulatory policies, including actual or potential stress in the banking industry;
unstable political and economic conditions, including changes in tariff policies, which could materially impact credit quality trends and the ability to generate loans and gather deposits;
inflation and governmental responses to inflation, including recent sustained increases and potential future increases in interest rates that reduce margins;
the effect on our operations of governmental legislation and regulation, including changes in accounting regulation or standards, the nature and timing of the adoption and effectiveness of new requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, Basel guidelines, capital requirements and other applicable laws and regulations;
significant changes in accounting, tax or regulatory practices or requirements;
new legal obligations or liabilities or unfavorable resolutions of litigation;
disruptive technologies in payment systems and other services traditionally provided by banks;
the highly competitive industry and market area in which we operate;
operational risks or risk management failures by us or critical third parties, including without limitation with respect to data processing, information systems, cybersecurity, technological changes, vendor issues, business interruption, and fraud risks;
failure or circumvention of our internal controls or procedures;
changes in the securities markets which affect investment management revenues;
increases in Federal Deposit Insurance Corporation deposit insurance premiums and assessments;
the soundness of other financial services institutions which may adversely affect our credit risk;
certain of our intangible assets may become impaired in the future;
the duration and scope of potential pandemics, including the emergence of new variants and the response thereto;
new lines of business or new products and services, which may subject us to additional risks;
changes in key management personnel which may adversely impact our operations;
severe weather, natural disasters, acts of war or terrorism and other external events which could significantly impact our business; and
other risk factors detailed from time to time in our SEC filings.

Although we believe that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from the results discussed in these forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. We do not undertake any obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except to the extent required by law.

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES Consolidated Statements of Net Income and Other Data (Dollars in thousands, except per share data) (Unaudited)
	Three Months Ended															Six Months Ended
	June 30,			March 31,			December 31,			September 30,			June 30,			June 30,
		2025			2025			2024			2024			2024			2025			2024
INTEREST AND DIVIDEND INCOME:
Loans	$	26,214		$	24,984		$	25,183		$	25,134		$	24,340		$	51,198		$	48,581
Securities		2,588			2,422			2,273			2,121			2,141			5,010			4,255
Other investments		169			191			214			189			148			360			284
Short-term investments		641			840			916			396			173			1,481			286
Total interest and dividend income		29,612			28,437			28,586			27,840			26,802			58,049			53,406

INTEREST EXPENSE:
Deposits		10,437			11,376			11,443			11,165			10,335			21,813			19,628
Short-term borrowings		47			54			60			71			186			101			469
Long-term debt		1,232			1,219			1,557			1,622			1,557			2,451			2,985
Subordinated debt		254			254			253			254			254			508			508
Total interest expense		11,970			12,903			13,313			13,112			12,332			24,873			23,590

Net interest and dividend income		17,642			15,534			15,273			14,728			14,470			33,176			29,816

(REVERSAL OF) PROVISION FOR CREDIT LOSSES		(615	)		142			(762	)		941			(294	)		(473	)		(844	)

Net interest and dividend income after (reversal of) provision for credit losses		18,257			15,392			16,035			13,787			14,764			33,649			30,660

NON-INTEREST INCOME:
Service charges and fees on deposits		2,528			2,284			2,301			2,341			2,341			4,812			4,560
Income from bank-owned life insurance		516			473			486			470			502			989			955
Unrealized gain (loss) on marketable equity securities		25			(5	)		(9	)		10			4			20			12
Gain (loss) on sale of mortgages		4			7			(11	)		246			–			11			–
Gain on non-marketable equity investments		243			–			300			–			987			243			987
Loss on disposal of premises and equipment		–			–			–			–			–			–			(6	)
Other income		95			–			187			74			–			95			–
Total non-interest income		3,411			2,759			3,254			3,141			3,834			6,170			6,508

NON-INTEREST EXPENSE:
Salaries and employees benefits		8,831			8,413			8,429			8,112			7,901			17,244			16,145
Occupancy		1,265			1,412			1,256			1,217			1,218			2,677			2,581
Furniture and equipment		491			487			505			483			483			978			967
Data processing		933			882			900			869			846			1,815			1,708
Software		645			659			642			612			566			1,304			1,265
Debit/ATM card processing expense		674			577			593			649			643			1,251			1,195
Professional fees		623			546			471			540			581			1,169			1,150
FDIC insurance		399			431			389			338			323			830			733
Advertising		443			429			310			271			339			872			688
Other		1,352			1,348			1,431			1,315			1,414			2,700			2,664
Total non-interest expense		15,656			15,184			14,926			14,406			14,314			30,840			29,096

INCOME BEFORE INCOME TAXES		6,012			2,967			4,363			2,522			4,284			8,979			8,072

INCOME TAX PROVISION		1,422			664			1,075			618			771			2,086			1,598
NET INCOME	$	4,590		$	2,303		$	3,288		$	1,904		$	3,513		$	6,893		$	6,474

Basic earnings per share	$	0.23		$	0.11		$	0.16		$	0.09		$	0.17		$	0.34		$	0.31
Weighted average shares outstanding		20,210,650			20,385,481			20,561,749			20,804,162			21,056,173			20,297,582			21,118,571
Diluted earnings per share	$	0.23		$	0.11		$	0.16		$	0.09		$	0.17		$	0.34		$	0.31
Weighted average diluted shares outstanding		20,312,881			20,514,098			20,701,276			20,933,833			21,163,762			20,413,006			21,217,543

Other Data:
Return on average assets (1)		0.69	%		0.35	%		0.49	%		0.29	%		0.55	%		0.52	%		0.51	%
Return on average equity (1)		7.76	%		3.94	%		5.48	%		3.19	%		6.03	%		5.87	%		5.53	%
Efficiency ratio		74.36	%		83.00	%		80.56	%		80.62	%		78.20	%		78.38	%		80.10	%
Adjusted efficiency ratio (2)		75.32	%		82.98	%		81.85	%		80.67	%		82.68	%		78.91	%		82.35	%
Net interest margin		2.80	%		2.49	%		2.41	%		2.40	%		2.42	%		2.64	%		2.50	%
Net interest margin, on a fully tax-equivalent basis		2.82	%		2.51	%		2.43	%		2.42	%		2.44	%		2.66	%		2.52	%
(1) Annualized.
(2) The adjusted efficiency ratio (non-GAAP) represents the ratio of operating expenses divided by the sum of net interest and dividend income and non-interest income, excluding realized and unrealized gains and losses on securities, gain on non-marketable equity investments, and loss on disposal of premises and equipment.

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES Consolidated Balance Sheets (Dollars in thousands) (Unaudited)
	June 30,			March 31,			December 31,			September 30,			June 30,
		2025			2025			2024			2024			2024
Cash and cash equivalents	$	93,308		$	110,579		$	66,450		$	72,802		$	53,458
Securities available-for-sale, at fair value		178,785			167,800			160,704			155,889			135,089
Securities held to maturity, at amortized cost		197,671			201,557			205,036			213,266			217,632
Marketable equity securities, at fair value		444			414			397			252			233
Federal Home Loan Bank of Boston and other restricted stock – at cost		5,818			5,818			5,818			7,143			7,143

Loans		2,092,631			2,079,561			2,070,189			2,049,002			2,026,226
Allowance for credit losses		(19,733	)		(19,669	)		(19,529	)		(19,955	)		(19,444	)
Net loans		2,072,898			2,059,892			2,050,660			2,029,047			2,006,782

Bank-owned life insurance		78,045			77,529			77,056			76,570			76,100
Goodwill		12,487			12,487			12,487			12,487			12,487
Core deposit intangible		1,250			1,344			1,438			1,531			1,625
Other assets		70,443			71,864			73,044			71,492			75,521
TOTAL ASSETS	$	2,711,149		$	2,709,284		$	2,653,090		$	2,640,479		$	2,586,070

Total deposits	$	2,330,113		$	2,328,593		$	2,262,647		$	2,224,206		$	2,171,809
Short-term borrowings		4,040			4,520			5,390			4,390			6,570
Long-term debt		98,000			98,000			98,000			128,277			128,277
Subordinated debt		19,771			19,761			19,751			19,741			19,731
Securities pending settlement		–			2,093			8,622			2,513			102
Other liabilities		19,797			18,641			22,770			20,697			23,104
TOTAL LIABILITIES		2,471,721			2,471,608			2,417,180			2,399,824			2,349,593

TOTAL SHAREHOLDERS’ EQUITY		239,428			237,676			235,910			240,655			236,477
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	2,711,149		$	2,709,284		$	2,653,090		$	2,640,479		$	2,586,070

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES Other Data (Dollars in thousands, except per share data) (Unaudited)
	Three Months Ended
	June 30,		March 31,		December 31,		September 30,		June 30,
	2025		2025		2024		2024		2024
Shares outstanding at end of period	20,494,501		20,774,319		20,875,713		21,113,408		21,357,849

Operating results:
Net interest income	$	17,642	$	15,534	$	15,273	$	14,728	$	14,470
(Reversal of) provision for credit losses	(615)		142		(762)		941		(294)
Non-interest income	3,411		2,759		3,254		3,141		3,834
Non-interest expense	15,656		15,184		14,926		14,406		14,314
Income before income provision for income taxes	6,012		2,967		4,363		2,522		4,284
Income tax provision	1,422		664		1,075		618		771
Net income	4,590		2,303		3,288		1,904		3,513

Performance Ratios:
Net interest margin	2.80%		2.49%		2.41%		2.40%		2.42%
Net interest margin, on a fully tax-equivalent basis	2.82%		2.51%		2.43%		2.42%		2.44%
Interest rate spread	2.10%		1.74%		1.63%		1.60%		1.66%
Interest rate spread, on a fully tax-equivalent basis	2.12%		1.76%		1.65%		1.62%		1.67%
Return on average assets	0.69%		0.35%		0.49%		0.29%		0.55%
Return on average equity	7.76%		3.94%		5.48%		3.19%		6.03%
Efficiency ratio (GAAP)	74.36%		83.00%		80.56%		80.62%		78.20%
Adjusted efficiency ratio (non-GAAP) ⁽¹⁾	75.32%		82.98%		81.85%		80.67%		82.68%

Per Common Share Data:
Basic earnings per share	$	0.23	$	0.11	$	0.16	$	0.09	$	0.17
Earnings per diluted share	0.23		0.11		0.16		0.09		0.17
Cash dividend declared	0.07		0.07		0.07		0.07		0.07
Book value per share	11.68		11.44		11.30		11.40		11.07
Tangible book value per share (non-GAAP) ⁽²⁾	11.01		10.78		10.63		10.73		10.41

Asset Quality:
30-89 day delinquent loans	$	2,525	$	2,459	$	3,694	$	3,059	$	3,270
90 days or more delinquent loans	1,328		2,027		1,301		1,253		2,280
Total delinquent loans	3,853		4,486		4,995		4,312		5,550
Total delinquent loans as a percentage of total loans	0.18%		0.22%		0.24%		0.21%		0.27%
Nonaccrual loans	$	5,752	$	6,014	$	5,381	$	4,873	$	5,845
Nonaccrual loans as a percentage of total loans	0.27%		0.29%		0.26%		0.24%		0.29%
Nonaccrual assets as a percentage of total assets	0.21%		0.22%		0.20%		0.18%		0.23%
Allowance for credit losses as a percentage of nonaccrual loans	343.06%		327.05%		362.93%		409.50%		332.66%
Allowance for credit losses as a percentage of total loans	0.94%		0.95%		0.94%		0.97%		0.96%
Net loan (recoveries) charge-offs	$	(585)	$	29	$	(128)	$	98	$	10
Net loan (recoveries) charge-offs as a percentage of average loans	(0.03)%		0.00%		(0.01)%		0.00%		0.00%
(1) The adjusted efficiency ratio (non-GAAP) represents the ratio of operating expenses divided by the sum of net interest and dividend income and non-interest income, excluding realized and unrealized gains and losses on securities, gains on non-marketable equity investments, and loss on disposal of premises and equipment.
(2) Tangible book value per share (non-GAAP) represents the value of the Company’s tangible assets divided by its current outstanding shares.

The following table sets forth the information relating to our average balances and net interest income for the three months ended June 30, 2025, March 31, 2025 and June 30, 2024 and reflects the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated.

	Three Months Ended
	June 30, 2025								March 31, 2025							June 30, 2024
	Average						Average Yield/		Average					Average Yield/		Average					Average Yield/
	Balance		Interest				Cost⁽⁸⁾		Balance		Interest			Cost⁽⁸⁾		Balance		Interest			Cost⁽⁸⁾
	(Dollars in thousands)
ASSETS:
Interest-earning assets
Loans(1)(2)	$	2,081,319		$	26,335		5.08	%	$	2,073,486	$	25,105		4.91	%	$	2,017,127	$	24,454		4.88	%
Securities(2)		375,074			2,588		2.77			365,371		2,422		2.69			354,850		2,141		2.43
Other investments		15,062			169		4.50			14,819		191		5.23			14,328		148		4.15
Short-term investments(3)		58,622			641		4.39			76,039		840		4.48			14,328		173		4.86
Total interest-earning assets		2,530,077			29,733		4.71			2,529,715		28,558		4.58			2,400,633		26,916		4.51
Total non-interest-earning assets		156,247								156,733							156,701
Total assets	$	2,686,324							$	2,686,448						$	2,557,334

LIABILITIES AND EQUITY:
Interest-bearing liabilities
Interest-bearing checking accounts	$	165,329			424		1.03		$	140,960		250		0.72		$	131,449		253		0.77
Savings accounts		188,498			55		0.12			183,869		40		0.09			185,690		51		0.11
Money market accounts		687,621			3,600		2.10			704,215		3,968		2.29			622,062		2,930		1.89
Time deposit accounts		690,555			6,358		3.69			702,748		7,118		4.11			650,054		7,101		4.39
Total interest-bearing deposits		1,732,003			10,437		2.42			1,731,792		11,376		2.66			1,589,255		10,335		2.62
Borrowings		122,070			1,533		5.04			122,786		1,527		5.04			160,484		1,997		5.00
Interest-bearing liabilities		1,854,073			11,970		2.59			1,854,578		12,903		2.82			1,749,739		12,332		2.83
Non-interest-bearing deposits		572,833								569,638							548,781
Other non-interest-bearing liabilities		22,207								25,464							24,453
Total non-interest-bearing liabilities		595,040								595,102							573,234
Total liabilities		2,449,113								2,449,680							2,322,973
Total equity		237,211								236,768							234,361
Total liabilities and equity	$	2,686,324							$	2,686,448						$	2,557,334
Less: Tax-equivalent adjustment(2)					(121	)						(121	)						(114	)
Net interest and dividend income				$	17,642						$	15,534						$	14,470
Net interest rate spread(4)							2.10	%						1.74	%						1.66	%
Net interest rate spread, on a tax-equivalent basis(5)							2.12	%						1.76	%						1.67	%
Net interest margin(6)							2.80	%						2.49	%						2.42	%
Net interest margin, on a tax-equivalent basis(7)							2.82	%						2.51	%						2.44	%
Ratio of average interest-earning assets to average interest-bearing liabilities							136.46	%						136.40	%						137.20	%

The following tables set forth the information relating to our average balances and net interest income for the six months ended June 30, 2025 and 2024 and reflect the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated.

	Six Months Ended June 30,
		2025							2024
	Average Balance		Interest			Average Yield/ Cost⁽⁸⁾		Average Balance		Interest			Average Yield/ Cost⁽⁸⁾
	Average Balance		Interest			Average Yield/ Cost⁽⁸⁾		Average Balance		Interest			Average Yield/ Cost⁽⁸⁾
	(Dollars in thousands)
ASSETS:
Interest-earning assets
Loans(1)(2)	$	2,077,424	$	51,440		4.99	%	$	2,019,420	$	48,805		4.86	%
Securities(2)		370,249		5,010		2.73			357,171		4,255		2.40
Other investments		14,941		360		4.86			13,411		284		4.26
Short-term investments(3)		67,282		1,481		4.44			11,857		286		4.85
Total interest-earning assets		2,529,896		58,291		4.65			2,401,859		53,630		4.49
Total non-interest-earning assets		156,489							155,555
Total assets	$	2,686,385						$	2,557,414

LIABILITIES AND EQUITY:
Interest-bearing liabilities
Interest-bearing checking accounts	$	153,212		674		0.89	%	$	133,504		488		0.74	%
Savings accounts		186,196		95		0.10			185,907		90		0.10
Money market accounts		695,872		7,569		2.19			624,164		5,517		1.78
Time deposit accounts		696,618		13,475		3.90			638,970		13,533		4.26
Total interest-bearing deposits		1,731,898		21,813		2.54			1,582,545		19,628		2.49
Short-term borrowings and long-term debt		122,426		3,060		5.04			160,643		3,962		4.96
Total interest-bearing liabilities		1,854,324		24,873		2.70			1,743,188		23,590		2.72
Non-interest-bearing deposits		571,245							553,246
Other non-interest-bearing liabilities		23,826							25,672
Total non-interest-bearing liabilities		595,071							578,918

Total liabilities		2,449,395							2,322,106
Total equity		236,990							235,308
Total liabilities and equity	$	2,686,385						$	2,557,414
Less: Tax-equivalent adjustment (2)				(242	)						(224	)
Net interest and dividend income			$	33,176						$	29,816
Net interest rate spread (4)						1.92	%						1.75	%
Net interest rate spread, on a tax-equivalent basis (5)						1.95	%						1.77	%
Net interest margin (6)						2.64	%						2.50	%
Net interest margin, on a tax-equivalent basis (7)						2.66	%						2.52	%
Ratio of average interest-earning assets to average interest-bearing liabilities						136.43	%						137.79	%

(1) Loans, including nonaccrual loans, are net of deferred loan origination costs and unadvanced funds.
(2) Loan and securities income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest and dividend income to agree to the amount reported on the consolidated statements of net income.
(3) Short-term investments include federal funds sold.
(4) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(5) Net interest rate spread, on a tax-equivalent basis, represents the difference between the tax-equivalent weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(6) Net interest margin represents net interest and dividend income as a percentage of average interest-earning assets.
(7) Net interest margin, on a tax-equivalent basis, represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets.
(8) Annualized.

Reconciliation of Non-GAAP to GAAP Financial Measures

The Company believes that certain non-GAAP financial measures provide information to investors that is useful in understanding its results of operations and financial condition. Because not all companies use the same calculation, this presentation may not be comparable to other similarly titled measures calculated by other companies. A reconciliation of these non-GAAP financial measures is provided below.

	For the quarter ended
	6/30/2025			3/31/2025			12/31/2024			9/30/2024			6/30/2024
	(Dollars in thousands, except per share data)

Loan interest (no tax adjustment)	$	26,214		$	24,984		$	25,183		$	25,134		$	24,340
Tax-equivalent adjustment		121			121			128			119			114
Loan interest (tax-equivalent basis)	$	26,335		$	25,105		$	25,311		$	25,253		$	24,454

Net interest income (no tax adjustment)	$	17,642		$	15,534		$	15,273		$	14,728		$	14,470
Tax equivalent adjustment		121			121			128			119			114
Net interest income (tax-equivalent basis)	$	17,763		$	15,655		$	15,401		$	14,847		$	14,584

Net interest income (no tax adjustment)	$	17,642		$	15,534		$	15,273		$	14,728		$	14,470
Less:
Prepayment penalties and fees		425			–			–			–			8
Adjusted net interest income (non-GAAP)	$	17,217		$	15,534		$	15,273		$	14,728		$	14,462

Average interest-earning assets	$	2,530,077		$	2,529,715		$	2,517,017		$	2,441,236		$	2,400,633
Net interest margin (no tax adjustment)		2.80	%		2.49	%		2.41	%		2.40	%		2.42	%
Net interest margin, tax-equivalent		2.82	%		2.51	%		2.43	%		2.42	%		2.44	%
Net interest margin, excluding prepayment penalties and fees (non-GAAP)		2.73	%		2.49	%		2.41	%		2.40	%		2.42	%

Book Value per Share (GAAP)	$	11.68		$	11.44		$	11.30		$	11.40		$	11.07
Non-GAAP adjustments:
Goodwill		(0.61	)		(0.60	)		(0.60	)		(0.59	)		(0.58	)
Core deposit intangible		(0.06	)		(0.06	)		(0.07	)		(0.08	)		(0.08	)
Tangible Book Value per Share (non-GAAP)	$	11.01		$	10.78		$	10.63		$	10.73		$	10.41

	For the quarter ended
	6/30/2025			3/31/2025			12/31/2024			9/30/2024			6/30/2024
	(Dollars in thousands)

Efficiency Ratio:
Non-interest Expense (GAAP)	$	15,656		$	15,184		$	14,926		$	14,406		$	14,314

Net Interest Income (GAAP)	$	17,642		$	15,534		$	15,273		$	14,728		$	14,470

Non-interest Income (GAAP)	$	3,411		$	2,759		$	3,254		$	3,141		$	3,834
Non-GAAP adjustments:
Unrealized (gains) losses on marketable equity securities		(25	)		5			9			(10	)		(4	)
Gain on non-marketable equity investments		(243	)		–			(300	)		–			(987	)
Non-interest Income for Adjusted Efficiency Ratio (non-GAAP)	$	3,143		$	2,764		$	2,963		$	3,131		$	2,843
Total Revenue for Adjusted Efficiency Ratio (non-GAAP)	$	20,785		$	18,298		$	18,236		$	17,859		$	17,313

Efficiency Ratio (GAAP)		74.36	%		83.00	%		80.56	%		80.62	%		78.20	%

Adjusted Efficiency Ratio (Non-interest Expense (GAAP)/Total Revenue for Adjusted Efficiency Ratio (non-GAAP))		75.32	%		82.98	%		81.85	%		80.67	%		82.68	%

	For the six months ended
	6/30/2025	6/30/2024
	(Dollars in thousands)

Loan income (no tax adjustment)	$ 51,198	$ 48,581
Tax-equivalent adjustment	242	224
Loan income (tax-equivalent basis)	$ 51,440	$ 48,805

Net interest income (no tax adjustment)	$ 33,176	$ 29,816
Tax equivalent adjustment	242	224
Net interest income (tax-equivalent basis)	$ 33,418	$ 30,040

Net interest income (no tax adjustment)	$ 33,176	$ 29,816
Less:
Prepayment penalties and fees	425	8
Adjusted net interest income (non-GAAP)	$ 32,751	$ 29,808

Average interest-earning assets	$ 2,529,896	$ 2,401,859
Net interest margin (no tax adjustment)	2.64%	2.50%
Net interest margin, tax-equivalent	2.66%	2.52%
Net interest margin, excluding prepayment penalties and fees (non-GAAP)	2.61%	2.50%

Adjusted Efficiency Ratio:
Non-interest Expense (GAAP)	$ 30,840	$ 29,096

Net Interest Income (GAAP)	$ 33,176	$ 29,816

Non-interest Income (GAAP)	$ 6,170	$ 6,508
Non-GAAP adjustments:
Unrealized gains on marketable equity securities	(20)	(12)
Loss on disposal of premises and equipment, net	–	6
Gain on non-marketable equity investments	(243)	(987)
Non-interest Income for Adjusted Efficiency Ratio (non-GAAP)	$ 5,907	$ 5,515
Total Revenue for Adjusted Efficiency Ratio (non-GAAP)	$ 39,083	$ 35,331

Efficiency Ratio (GAAP)	78.38%	80.10%

Adjusted Efficiency Ratio (Non-interest Expense (GAAP)/Total Revenue for Adjusted Efficiency Ratio (non-GAAP))	78.91%	82.35%

For further information contact:
James C. Hagan, President and CEO
Guida R. Sajdak, Executive Vice President and CFO
Meghan Hibner, First Vice President and Investor Relations Officer
413-568-1911

The MIL Network –

July 23, 2025

MIL-OSI NGOs: Scotland: First Minister must reject Trump’s anti-rights agenda

Source: Amnesty International –

Amnesty says meeting with President Trump is a ‘major test’ of the Scottish Government’s commitment to global justice and equality

Call to protect protest rights amid concerns over heavy-handed policing of Pro-Palestinian demonstrations

‘In a moment of global crisis for these values, the question is whether the First Minister will rise to the occasion or remain silent in the face of authoritarian practices’ – Liz Thomson

In a critical moment for global human rights, Amnesty International has called on First Minister John Swinney to stand firm against authoritarian practices and defend the principles of universal human rights and international justice during his meeting with President Donald Trump.

Amnesty has warned that the meeting will be a serious test of the Scottish Government’s stated commitment to human rights – both at home and internationally.

In a letter sent to the First Minister, Amnesty wrote:

‘This meeting will be a major test of the Scottish Government’s commitment to global justice, one which [you must] meet with a resolve to defend universal human rights and to stand against the authoritarian practices of the Trump Administration.’

Amnesty noted that the Trump Administration’s sweeping attacks on civic space, refugee and migrant rights, the rule of law, women’s rights, racial justice, and LGBTI protections have fuelled human rights crises and emboldened anti-rights leaders and movements and said the First Minister must be prepared to challenge those practices when the two meet. The letter continued with:

‘You have said in recent days that it is in Scotland’s interest for you meet with the President. It is in Scotland’s interest that political leaders reject the President’s anti-rights agenda and stand firm against authoritarian practices.’

Amnesty also called on the Scottish Government to ensure Police Scotland and other forces involved in policing the President’s visit uphold the right to peaceful protest– amid growing concern over recent reports of heavy-handed responses to pro-Palestinian demonstrations.

Liz Thomson, Amnesty International’s Scotland Programme Director said:

“President Trump’s administration has fully embraced authoritarian tactics while furthering an anti-rights agenda – no UK leader should be rolling out the red carpet to welcome him.

“If the Scottish Government wants to be seen as a principled global actor, warm words on human rights must translate into action – especially in high-stakes moments like this.

“The First Minister’s priority during his visit should be to directly challenge the serious human rights violations the Trump administration is responsible for, and to ensure that those who wish o peacefully protest are fully able to without fear of heavy-handed policing.

“This meeting will be a major test of the First Minister’s commitment to human rights and international justice. In a moment of global crisis for these values, the question is whether he will rise to the occasion or remain silent in the face of authoritarian practices.”

MIL OSI NGO –

July 23, 2025
MIL-OSI Analysis: No wonder England’s water needs cleaning up – most sewage discharges aren’t even classified as pollution incidents

Source: The Conversation – UK – By Alex Ford, Professor of Biology, University of Portsmouth

oneSHUTTER oneMEMORY/Shutterstock

England’s privatised water industry may one day be considered a textbook case study of failed corporate responsibility, regulation and governance. The Cunliffe review, the recent report into England’s privatised water industry, concluded that the financial regulator, OfWat, needs to be disbanded and a new water regulator will be introduced.

For that to work effectively, better pollution monitoring and more clearly defined pollution incident criteria are essential. While politicians and water companies have claimed to be reducing pollution incidences, they might not strictly be tackling sources of pollution, so communications must be carefully scrutinised for disinformation.

The UK’s environment minister Steve Reed MP has described the water industry as “broken”. The public have rising water bills. Water companies owe over £60 billion in debts and have left the country with uncertain water security in the face of climate change.

The Environment Agency (EA) in England recently announced that serious pollution incidents in 2024 rose by 60% to 75 from 47 in the previous year. The EA classifies pollution incidents using a four-point scale called the common incident classification scheme. Trained EA officers consider the evidence reported via their incident hotline to assess its credibility and severity.

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Category 1 is for major incidents, 2 for significant, 3 for minor incidents and 4 for no impact. Category 1 and 2 typically involve visible signs of dead fish floating. For salmon, if more than 10 adult or 100 young fish are dead, this is category 1. With fewer than ten adult and 100 young fish dead, it’s category 2.

No dead fish, no serious problem? The EA can also record damage on protected habitats as “pollution incidents” but these are harder to substantiate without investigative research that takes time and money.

Last year, more than 450,000 sewage discharges were recorded by event duration monitors. These are devices fitted to the end of overflow pipes that indicate when and for how long they have been discharging.

These discharges represent 3.6 million hours of untreated sewage going into our rivers and coasts. These contain chemical contaminants including pharmaceuticals, detergents and human pathogens. Only 75 incidents were recorded as serious or significant in 2024. Another 2,726 were classed as minor.

So lots of sewage discharges are not being classified as pollution incidents, despite containing pollutants. The EA advises its investigating officers to “record substantiated incidents that result in no environmental impact, or where the impact cannot be confirmed, as a category 4”.

The EA has been criticised for turning up late to 74% of category 1 and 2 pollution incidents and for being pressured to ignore low-level pollution – all claims that they have denied. However, they admit they are constrained by finances. Any new regulator must be adequately resourced and independent.

Pollution isn’t always classified as an official pollution incident.
YueStock/Shutterstock

In their recent report into pollution incidences, the EA states that they respond to all category 1 and 2 (serious and significant) water industry incidents and will be increasing their attendance at category 3 (minor) incidents. They highlight that more inspections will identify more issues. This shows some acceptance that the more incidents they attend, the more would be substantiated or recorded appropriately.

Most sewage discharges would not have been reported to, or recorded by, the EA as pollution incidents because they were permitted discharges from combined stormwater overflows. Water companies are allowed to discharge untreated wastewater under exceptional rainfall or snowfall conditions to prevent sewage backing up through the pipes.

Extra water flow in rivers from rainfall is meant to dilute chemical contaminants in wastewater. However, some discharges can last days or weeks. The EA is currently investigating whether water companies have been breaching their permits and discharging untreated wastewater when there is low or even no rainfall.

What counts as pollution?

The UN classifies pollution as “presence of substances and energy (for example, light and heat) in environmental media (air, water, land) whose nature, location, or quantity produces undesirable environmental effects”. This definition differs markedly from the EA’s working definition of pollution incidents.

Many sewage discharges containing low concentrations of pollutants won’t kill fish but might still be harmful to fish larvae or small insects, for example.

However, the broad picture from EA data is that invertebrate communities at least are in a better state than they were three decades ago before wastewater treatment plants were upgraded following the EU’s Urban Wastewater Directive.

Some pollutants bioaccumulate through the food chain, so they become concentrated in top predators such as orcas. Some chemicals mimic reproductive hormones even in low concentrations and can feminise fish, for example. High levels of nutrients from agriculture and sewage in rivers can cause fungal diseases in seagrass meadows.

Other families of chemicals build up in wildlife and people, such as persistent “forever chemicals”, much of which comes from wastewater discharges. Continued discharges of antibiotics into waterways might not be classified as pollution incidents but still pose a substantial risk to human and ecosystem health through bacteria developing antibiotic resistance.

The government has just committed to cut sewage pollution by 50% by December 2029 based on 2024 data. But it’s not yet clear whether these involve cutting the frequency of discharges, the duration or both.

This data could also be manipulated so that a large number of small discharges can be consolidated into one official discharge event. Currently, the volume of discharges from stormwater overflows isn’t known. Without this vital data we can’t ascertain the risk posed by their contaminants.

Don’t have time to read about climate change as much as you’d like?

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Alex Ford receives funding from the Natural Environment Research Council (NERC), EU, charities and industry including water companies.

– ref. No wonder England’s water needs cleaning up – most sewage discharges aren’t even classified as pollution incidents – https://theconversation.com/no-wonder-englands-water-needs-cleaning-up-most-sewage-discharges-arent-even-classified-as-pollution-incidents-261502

MIL OSI Analysis –

July 23, 2025
MIL-OSI Analysis: Farewell to summer? ‘Haze’ and ‘trash’ among Earth’s new seasons as climate change and pollution play havoc

Source: The Conversation – UK – By Felicia Liu, Lecturer (Assistant Professor) in Sustainability, University of York

Throughout history, people have viewed seasons as relatively stable, recurrent blocks of time that neatly align farming, cultural celebrations and routines with nature’s cycles. But the seasons as we know them are changing. Human activity is rapidly transforming the Earth, and once reliable seasonal patterns are becoming unfamiliar.

In our recent study, we argue that new seasons are surfacing. These emergent seasons are entirely novel and anthropogenic (in other words, made by humans).

Examples include “haze seasons” in the northern and equatorial nations of south-east Asia, when the sky is filled with smoke for several weeks. This is caused by widespread burning of vegetation to clear forests and make way for agriculture during particularly dry times of year.

Or there is the annual “trash season”, during which tidal patterns bring plastic to the shores of Bali, Indonesia, between November and March.

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At the same time, some seasons are disappearing altogether, with profound consequences for ecosystems and cultures. These extinct seasons can encompass drastically altered or terminated migratory animal behaviour, such as the decline of seabird breeding seasons in northern England.

Climate change is also calling time on traditional winter sport seasons by making snow scarcer in alpine regions.

Nature’s new rhythms

Perhaps more common are “syncopated seasons”. The changes are akin to new emphases on beats or off-beats in familiar music that capture the listener’s attention.

Syncopated seasons include hotter summers and milder winters in temperate climates, with increasingly frequent and severe extreme weather that exposes more people and ecosystems to stress.

The timings of key seasonal events, like when leaves fall or certain migratory species arrive, are becoming more unpredictable. We coined the term “arrhythmic seasons”, a concept borrowed from cardiology, to refer to abnormal rhythms which include earlier springs or breeding seasons, longer summers or growing seasons, and shorter winters or hibernating seasons.

Changing seasonal patterns throw the interdependent life cycles of plants and animals out of sync with each other, and disrupt the communities that are economically, socially and culturally dependent on them.

In northern Thailand, human activity has reshaped nature’s rhythms and affected the supply of water and food in turn. Communities along the Mekong river’s tributaries have relied on the seasonal flow of rivers to fish and farm for generations.

At first, upstream dams disrupted these cycles by blocking fish migration and preventing the accumulation of sediment that farms need for soil. More recently, climate change has shifted rainfall patterns and made dry seasons longer and rainy seasons shorter but more intense, bringing fires and further uncertainty to farmers.

Let’s rethink time

How we react to changing seasonal patterns can either worsen or improve environmental conditions. In south-east Asia, public awareness of the “haze season” has led to better forecasting, the installation of air filters in homes and the establishment of public health initiatives.

These efforts help communities adapt. But if society only uses adaptive fixes like these, it can make the haze worse over time by failing to tackle its root causes. By recognising this new season, societies might normalise the recurrence of haze and isolate anyone who demands the government and businesses deal with deforestation and burning.

Powerful institutions like these shape narratives about seasonal crises to minimise their responsibility and shift blame elsewhere. Understanding these dynamics is crucial to fostering accountability and ensuring fair responses.

The shifting seasons require us to rethink our relationship with time and the environment. Today, most of us think about time in terms of days, hours and minutes, which is a globalised standard used everywhere from smartphones to train timetables. But this way of keeping time forgets older and more local ways of understanding time – those that are shaped by natural rhythms, such as the arrival of the rainy season, or solar and lunar cycles, rooted in the lives and cultures of different communities.

Diverse perspectives, especially those from Indigenous knowledge systems, can enhance our ability to respond to environmental changes. Integrating alternative time-keeping methods into mainstream practices could foster fairer and more effective solutions to environmental problems.

Seasons are more than just divisions of time – they connect us with nature. Finding synchrony with changing seasonal rhythms is essential for building a sustainable future.

Don’t have time to read about climate change as much as you’d like?

Get a weekly roundup in your inbox instead. Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. Join the 45,000+ readers who’ve subscribed so far.

The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

– ref. Farewell to summer? ‘Haze’ and ‘trash’ among Earth’s new seasons as climate change and pollution play havoc – https://theconversation.com/farewell-to-summer-haze-and-trash-among-earths-new-seasons-as-climate-change-and-pollution-play-havoc-260765

MIL OSI Analysis –

July 23, 2025
MIL-OSI United Kingdom: Lord Chancellor letter to the Chair of the SSRB: July 2025

Source: United Kingdom – Executive Government & Departments 3

Correspondence

Lord Chancellor letter to the Chair of the SSRB: July 2025

The Lord Chancellor writes to the Chair of the Senior Salaries Review Body (SSRB) about the annual judicial pay review 2026 to 2027.

Applies to England and Wales

Documents

Lord Chancellor letter to the Chair of the SSRB: July 2025

PDF, 106 KB, 2 pages

Details

This letter to the Chair of the SSRB sets out the remit issued by the Lord Chancellor for the 2026 to 2027 annual pay review.

Updates to this page

Published 22 July 2025

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MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: Remit letter for the PSPRB 2026 England and Wales pay round

Source: United Kingdom – Executive Government & Departments 3

Correspondence

Remit letter for the PSPRB 2026 England and Wales pay round

Remit letter from the Minister of State for Prisons and Probation to the Chair of the Prison Service Pay Review Body (PSPRB).

Applies to England and Wales

Documents

PSPRB remit letter 2026 to 2027

PDF, 137 KB, 2 pages

This file may not be suitable for users of assistive technology.

Request an accessible format.

If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email web.comments@justice.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

Details

This letter sets out the remit for the 2026 to 2027 pay round for operational prison staff in the England and Wales prison service.

The UK government determines when it will respond to and publish the PSPRB’s report.

Updates to this page

Published 22 July 2025

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MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: School Teachers’ Review Body remit letter for 2026 and 2027

Source: United Kingdom – Government Statements

Correspondence

School Teachers’ Review Body remit letter for 2026 and 2027

The Secretary of State’s letter to the School Teachers’ Review Body asking for recommendations on teachers’ pay and conditions for 2026 to 2027 and 2027 to 2028.

Applies to England

Documents

Letter from Bridget Phillipson to Dr Mike Aldred

PDF, 173 KB, 4 pages

Details

Secretary of State for Education Bridget Phillipson’s letter to Dr Mike Aldred, Chair of the School Teachers’ Review Body (STRB).

Updates to this page

Published 22 July 2025

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MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: First report on babies born following pioneering licensed IVF technique to reduce the risk of mitochondrial diseases

Source: United Kingdom – Executive Government & Departments

July 16, 2025

The first published research findings from the Newcastle team on the children born following pioneering licensed IVF technique to reduce the risk of mitochondrial diseases.

The research papers, published in New England Journal of Medicine (NEJM) by the team based at Newcastle University and the Newcastle Fertility Centre at Newcastle Hospitals NHS Foundation Trust describe the reproductive and clinical outcomes of pronuclear transfer treatments performed to date.

In the absence of a cure for mitochondrial DNA diseases, attention has focussed on IVF-based technologies to reduce the risk of disease by limiting transmission of disease-causing mitochondrial DNA mutations from mother to child.

The UK was the first country to approve laws to allow the use of the ground-breaking IVF-based mitochondrial donation technology, pronuclear transfer, in 2015. The technique is designed to reduce the risk of mitochondrial DNA disease in children born to women who carry high levels of disease-causing mitochondrial DNA mutations.

Journalists came to this press briefing to hear from clinicians, scientists and embryologists caring for the mothers affected by mitochondrial disease about the first babies, the science, the methods and the data, and to ask their questions.

Speakers included:

Professor Sir Doug Turnbull, Emeritus Professor of Neurology, Newcastle University

Professor Mary Herbert, Professor of Reproductive Biology, Newcastle University and Monash University

Professor Bobby McFarland, Director of the NHS Highly Specialised Service for Rare Mitochondrial Disorders (Newcastle Hospitals NHS Foundation Trust) and Professor of Paediatric Mitochondrial Medicine at Newcastle University

Dr Louise Hyslop, Consultant Embryologist, Newcastle Fertility Centre, Newcastle Hospitals NHS Foundation Trust

This Briefing was accompanied by an SMC Roundup of comments.

MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: Community efforts lead to Green Flags for Perth park’s gardens

Source: Scotland – City of Perth

In the run up to the national Love Parks Week (26 July to 3 August 2025) which highlights the vital role green spaces play in boosting the health and wellbeing of residents and communities, local ‘in bloom’ charity Beautiful Perth and Perth and Kinross Council will be marking the achievement of two Green Flag Community Awards* from Keep Scotland Beautiful (KSB) for the Heather Garden and Compassionate Friends Garden, both in Bellwood Riverside Park on the banks of the River Tay in Perth.

The Heather Garden has been a real partnership project between Beautiful Perth and the Council, with discussions beginning in 2011 and work getting underway on site in 2012 to transform and refresh a previously overgrown and less appealing area of the park. The garden now comprises 15 beds containing 600 varieties and over 16,000 heather plants, all maintained and managed by Beautiful Perth, providing year-round colour for visitors and a haven for insect pollinators. The charity was also in 2022 awarded the National Collection of Erica carnea heathers by Plant Heritage. This follows on from the unique achievement of Riverside Park winning Best Park in the UK in the RHS Britain in Bloom Awards in both 2018 and 2019.

The Compassionate Friends Garden was developed to create a picturesque, peaceful garden for reflection and contemplation following a request from the Compassionate Friends UK, a charity that supports bereaved parents, siblings and grandparents. In 2012 remedial work done by the Council and Beautiful Perth uncovered a small round turreted stone building dating back to the 1800’s on site. The building forms the focal point of the garden, with further work uncovering a waterway and wells. The space was then transformed with sustainable pollinator plants for all year colour and interest by Beautiful Perth volunteers as well as the planting of rowan and snakeskin maple trees with marker stones and a sculpture of a robin. In 2018, Compassionate Friends held their annual gathering in Perth and unveiled a new bench for visitors and at the entrance to the garden, a beautiful carved commemorative stone.

Volunteers from Beautiful Perth, staff and elected members from Perth and Kinross Council and representatives from Compassionate Friends UK and Kilmac at Bellwood Park marking the Green Flag Awards for the Heather Garden and Compassionate Friends Garden in the park

Vice-Convener of Climate Change and Sustainability, Councillor Liz Barrett said: “As we head towards Love Parks Week, the fantastic achievement of Green Flag Awards for these two very different but equally beautiful gardens reflects how vital parks and open spaces are for our health and wellbeing as places to relax, exercise, appreciate the outdoors and nature and much more.

“I’d like to thank Beautiful Perth, and volunteer groups in other parts of Perth and Kinross, for their key role in maintaining and developing green spaces that benefit us all and contribute to improving our environment and biodiversity. Everyone can help, whether by volunteering locally or simply taking a few minutes to feedback to our Community Greenspace team about biodiversity in your local park.”

Chair of Beautiful Perth, Gordon Lindsay commented: “Our volunteers over many years have taken a genuine pride in cultivating and maintaining the Compassionate Friends and Heather Gardens to a high standard.

“Both gardens exhibit a unique horticultural skill level appreciated by the many visitors and tourists to Riverside Park and importantly provide an ideal haven for bees, butterflies and other wildlife.

“The Green Flag Awards are the “icing on the cake” for the ‘Beautiful Perth’ volunteers acknowledging their tireless work and efforts in a special corner of Perth. We would also like to acknowledge and thank our supporters, Perth and Kinross Council, The Gannochy Trust, the Heather Society and Kilmac.”

Jamie Ormiston, Training and Accreditation Coordinator at Keep Scotland Beautiful, said: “Parks across Scotland are vital spaces for people of all ages to reconnect with nature and I’m delighted we once again have Green Flag Award winners all over the country – including plenty of new areas – for people to enjoy during the summer months.

“The Heather Garden and Compassionate Friends Garden are two of our new Community Award winners and their awards show the dedication, care and commitment of all involved in maintaining and improving Riverside Park.

“Our stalwart winners have a brilliant history of commitment to environmental excellence and a desire to offer visitors a safe and enjoyable place to visit.

“Our new winners have shown a similar desire and their journey is only just beginning but I look forward to many more wins in the future.”

*The Green Flag Awards are awarded to parks and green spaces that can demonstrate excellent management and environmental standards. Further information on the Awards can be found at Keep Scotland Beautiful’s website.

MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: UK Carrier Strike Group contributes to Exercise Talisman Sabre
Source: United Kingdom – Executive Government & Departments 3

News story

UK Carrier Strike Group contributes to Exercise Talisman Sabre

The UK Carrier Strike Group has led a major British contribution to the large multinational exercise in Australia.
Crown copyright

More than 3,000 British forces are taking part in the largest military exercise Australia has ever hosted, as the UK’s Carrier Strike Group (CSG25) demonstrates Britain’s unwavering commitment to Indo-Pacific security.

The Carrier Strike Group is in Australia as part of Operation Highmast, the major global deployment that demonstrates Britain’s strategic commitment to the Indo-Pacific.

From British Gurkhas to US Marines to Australian Defence Force amphibious specialists, Exercise Talisman Sabre 25 serves as one of the deployment’s key moments, bringing together multinational forces to strengthen and test how nations can work together to safeguard global trade routes and maintain regional stability.

Spanning across a vast area in Western Australia, the Northern Territory, Queensland, and New South Wales, the Australian-US led biennial exercise is bigger than ever, involving over 35,000 military personnel from 19 nations – making Talisman Sabre the largest exercise of the CSG’s deployment and one of the largest military exercises in the world this year. For the first time, offshore activities will also be conducted in Papua New Guinea.

Defence Secretary John Healey said:

The historic bonds between Britain and Australia run deep, and through AUKUS and exercises like Talisman Sabre we are strengthening these ties for the challenges of tomorrow.

Our commitment to the Indo-Pacific is unwavering, as this huge military exercise demonstrates. The unprecedented scale showcases the growing importance of cooperation in addressing shared challenges. We will continue to work alongside our closest allies to maintain the security and stability that underpins global prosperity.

Commodore James Blackmore said:

This is a real demonstration of the UK and our partners’ warfighting capabilities.

As the first UK-led multinational Carrier Strike Group to Talisman Sabre this is a powerful demonstration of our commitment to the Indo-Pacific region.

Exercise Talisman Sabre is also an opportunity for the UK to develop new levels of integration between systems and capabilities with the US, Australia, and other partners, enhancing our interoperability even further and to unprecedented levels.

All three branches of the UK Armed Forces are engaged, with the Royal Marines playing a central role throughout the exercise alongside a Ranger Battalion from the Army and RAF Voyager aircraft.

The exercise strengthens operational cooperation with international partners, ensuring our collective ability to maintain the rules-based international order that underpins global trade and security.

The Royal Navy, alongside its AUKUS partners, is testing cutting-edge sub-sea and seabed warfare capabilities, showcasing interoperability across our navies. Additionally, for the first time, AUKUS nations will demonstrate the ability to remotely control Extra Large Uncrewed Underwater Vehicles (XL-UUVs) from a remote operating centre.

Through DSTL via the Resilience Autonomy and AI Technology collaboration, nations tested autonomy-enabled systems able to find and strike an advancing adversary. This experimentation provided a realistic combat environment for AUKUS to operate as an AI-enabled, integrated force, exploiting cutting-edge technology to ensure strategic advantage against a range of simulated adversaries.

The CSG25 deployment reinforces the government’s Plan for Change by strengthening international partnerships that underpin economic growth and national security, keeping Britain secure at home and strong abroad. Operation Highmast occurs against the backdrop of the government’s landmark commitment to increasing defence spending to 2.6% of GDP.

This historic investment underpins the government’s mission-led approach to securing Britain’s future, providing the economic stability necessary for growth whilst ensuring the UK maintains cutting-edge capabilities such as the Carrier Strike Group to meet emerging global threats.

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Published 22 July 2025
MIL OSI United Kingdom –
July 23, 2025
MIL-OSI United Kingdom: New Forensic Science Regulator appointed for England and Wales
Source: United Kingdom – Government Statements

News story

New Forensic Science Regulator appointed for England and Wales

The regulator ensures that the highest standards in forensic science are met across the criminal justice system.
Dr Marc Bailey has been appointed as the Forensic Science Regulator for England and Wales.

Dr Bailey is a scientist who has significant regulatory experience. He has held multiple roles within the Medicines and Healthcare products Regulatory Agency (MHRA) and led international research in quality systems and standardisation, including whilst working at the National Physical Laboratory.

The Forensic Science Regulator is responsible for ensuring that the provision of forensic science services across England and Wales meet the highest standards of quality and integrity. This includes assessing compliance, providing advice to ministers, setting quality standards and ensuring that all forensic science providers adhere to these standards.

Dr Bailey will work closely with the police, forensic science providers and the legal profession to ensure that forensic science in England and Wales remains at the forefront of innovation and reliability.

Dr Bailey will officially assume his duties after Gary Pugh’s term concludes on 25 July 2025.

Crime and Policing Minister Dame Diana Johnson said:

Dr Bailey is going to bring a wealth of experience and expertise as the new Forensic Science Regulator.

This pivotal role is essential in ensuring the highest standards of forensic science are upheld.

By setting rigorous standards and providing robust oversight, the Forensic Science Regulator will continue to ensure that forensic science supports the work of the police, allowing them to investigate crimes and bring justice for victims.

I’d like to thank Gary Pugh for his previous work in this role.

Dr Bailey said:

I am delighted to be appointed to the post of Forensic Science Regulator.

I look forward to enacting and developing the regulation of Forensic Science and working with the team that support my role to ensure that the criminal justice system has full confidence in forensic science evidence.

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Published 22 July 2025
MIL OSI United Kingdom –
July 23, 2025
MIL-OSI Submissions: Dog thefts: what really happened during the COVID pandemic

Source: The Conversation – UK – By Daniel Allen, Animal Geographer, Keele University

smrm1977/Shutterstock

Dog theft can be a devastating crime. During the COVID pandemic, newspapers suggested there was an epidemic of “dognapping” in the UK. If you have a dog, the reports may have alarmed you at a time when there were already many reasons to feel afraid.

There are mixed views on whether or not lockdown triggered an increase in dog ownership. Animal welfare charity Battersea attributed a 53% increase in dog adoption to lockdown, and online pet adoption service Pets4Homes said in their 2022 report that demand for puppies rose 104% at the peak of lockdown in May 2020.

But animal charity PDSA said its survey data pointed to a gradual increase in dog ownership since 2011 rather than a dramatic surge during lockdown. However, we do know lockdown saw inflated prices for dogs, with some fashionable breeds going for £9,000.

In terms of criminal activity, social distancing restrictions seemed to lead to a decline in some forms of crime, including shoplifting and burglary. But many media outlets reported the number of dog thefts had increased up to 250% during the pandemic.

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We wanted to explore if the data supported claims of a dognapping epidemic and whether patterns in dog theft could suggest ways to help reduce it. Our recent study found new insights into dog theft patterns and showed the situation was more complicated than it seemed at first glance.

Under the Theft Act 1968, dog theft is not a specific offence. It comes under other theft offences, such as burglary or theft from a person.

This means police records on dog theft were not included in crime statistics. The only way to access such information is through Freedom of Information (FOI) requests to individual police forces. There are 45 territorial and three special police forces in the UK, and each has its own reporting and recording practices.

Although police FOI data for dog theft must be approached with caution, it is useful. Previous studies exploring police FOI data found an upward trend in recorded dog thefts in England and Wales: rising nearly 20% from 2015 (1,545) to 2018 (1,849) for 41 police forces combined; and up 3.5% year on year from 2019 (1,452) to 2020 (1,504) for 33 police forces.

DogLost, a UK online community for reuniting lost and stolen dogs with their owners, reported a 170% increase in stolen dogs (with Crime Reference Numbers) registered on their website in 2020 (465), compared to 2019 (172). This figure was widely quoted as a national increase “since lockdown started” by the media.

The 250% increase figure first quoted in December 2020 was actually a comparison of two seven-month periods (January-July 2019 and 2020) for only one police force.

Patterns and trends

Our study found the data for the period covering the COVID pandemic is also incomplete. Data was provided by 32 forces (71%) for 2020, by 27 forces (60%) for 2021, and 23 forces (51%) for 2022.

Patterns and trends do, however, emerge. Between 2020 and 2022, the available data shows a 3.7% rise in dog thefts in the UK, from 1,573 to 1,631. When making adjustments for the number of police forces providing data (which decreased over the period), the estimated national figures suggest there may have been more significant rise of up to 44.2%.

While we cannot assume that the forces who supplied data are representative of all 45 regional forces, if this were the case, it would equate to 2,212 recorded dog thefts in 2020, 2,645 in 2021, and 3,191 in 2022.

There was a lot of variation between different areas. For example, Cambridgeshire, Gwent and Northumbria police forces experienced increases of 36%, 49% and 80% respectively in the number of recorded dog thefts between 2020 and 2021.

Monthly analysis of data from regional police forces and DogLost, show that the number of reports of stolen dogs started to go up when the UK entered its first national lockdown and again during part of the third lockdown. But the average number of police-recorded dog thefts was actually slightly higher outside of lockdown periods than during them between 2020 and 2022.

However, in contrast with police trends, DogLost data shows a 65.2% drop in dogs reported stolen on DogLost’s website in 2022 compared to 2020. Lower DogLost numbers may reflect limited visibility or presence of their networks, the use of alternative lost and stolen dog services, or reluctance to share personal details online due to scams targeting dog theft victims.

Dogs are often stolen from inside their own homes.
GoodFocused/Shutterstock

Our study found that, overall, there probably was an increase in dog theft from
2020 to 2022, following already identified increases in the preceding years. This rise was probably driven by a combination of opportunity (more dogs, higher value) and situational factors (accessibility, dogs unattended in gardens while owners were inside).

Our evidence does not support the notion of a widespread epidemic as portrayed by the media. However, increased media interest probably amplified awareness of the issue, and influenced the creation of the Pet Theft Taskforce, a UK government initiative set up in May 2021 to investigate and tackle dog thefts.

New research appears to confirm the idea that dog abduction has significant welfare effects on both dogs and their owners. We also know that few dog thefts are successfully resolved, with under a quarter of stolen dogs likely to be returned and around 1%-5% of reported dog thefts result in someone being charged.

However, there is potential good news. Our ongoing research suggests the number of police-recorded dog thefts decreased slightly in 2023, and again in 2024. This is supported by research from pet insurer Direct Line, which has estimated a 21% decrease in the number of stolen dogs from 2,290 in 2023 to 1,808 in 2024 in the UK.

Daniel Allen is founder of Pet Theft Reform and patron of the Stolen and Missing Pets Alliance (Sampa).

Melanie Flynn is a member of the Research Advisory Committee of the Vegan Society (UK).

John Walliss does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. Dog thefts: what really happened during the COVID pandemic – https://theconversation.com/dog-thefts-what-really-happened-during-the-covid-pandemic-252061

MIL OSI –

July 23, 2025
MIL-OSI Submissions: What are education and health care plans and why are parents worried about them being scrapped?

Source: The Conversation – UK – By Jonathan Glazzard, Rosalind Hollis Professor of Education for Social Justice, University of Hull

Drazen Zigic/Shutterstock

For children in England with special educational needs and disabilities, an education and health care plan (EHCP) is a central pillar of support. The government is due to set out its educational strategy for children with special educational needs and disabilities in the autumn, though, and has not ruled out scrapping ECHPs. Their removal would signal radical change in how the system works in England.

ECHPs are individualised plans that set out the needs of a particular child and the support they should receive – from education, health services and social care – in order have the best opportunity to thrive. But demand for ECHPs is soaring and providing support is proving financially catastrophic for local authorities.

One of the criticisms of EHCPs is that they prioritise providing children with individual models of support, rather than developing inclusive cultures within schools and within the broader education system. Education secretary Bridget Phillipson has outlined a vision of building a system where more children with special educational needs and disabilities can attend mainstream schools.

But removing ECHPs leads to the possibility of children who need more specialist support missing out.

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To secure an ECHP, local authorities carry out a statutory assessment to determine whether a child’s needs warrant additional support. An assessment does not always lead to an EHCP, but if one is issued, it must outline how the child’s needs will be met and the additional resources needed to do so.

These resources might include funding to provide a child with a teaching assistant, funding for equipment and transport to school, or funding to go to a specialist school. This system of support helps school leaders ensure that children and young people have the right support, at the right time.

According to a report published earlier this year, the demand for EHCPs has risen by 140% since 2015. Recent data shows that there are 482,640 children and young people in England with an EHCP.

Many more children have special educational needs, but do not have an ECHP. These pupils are classed as receiving special educational needs support. The percentage of pupils with an EHCP has increased to 5.3%, from 4.8% in 2024. The percentage of pupils with special educational needs support has increased to 14.2%, from 13.6% in 2024.

Despite government investment of £10.7 billion to local authorities in 2024-25, a House of Commons committee report outlines that long waiting times for assessments, as well as to access support such as speech and language therapy, has led to parents losing confidence in the system.

Support may include equipment or additional sessions.
ABO PHOTOGRAPHY/Shutterstock

Funding is allocated to each local authority from central government to fund provision in their areas. It is for local authorities, in consultation with their schools, to determine the individual allocation to schools. However, local authorities are struggling to meet the increased demand for EHCPs. Even when funding is allocated through EHCPs, it is not always sufficient to address the needs of those with complex needs.

And funding is not sufficient to meet demand. Local authorities have accumulated huge deficits due to spending exceeding funding, placing some at risk of going bankrupt.

Future plans

Bridget Phillipson has refused to be drawn on whether EHCPs will be axed. “What I can say very clearly,” she has said, “is that we will strengthen and put in place better support for children.”

Building more inclusive schools is obviously one way of achieving this vision. If scrapping EHCPs means less funding for children for special educational needs and disabilities, though, this cannot be the answer. Children need more support, not less, to enable them to thrive.

The solution is for the government to work out what models of inclusion work well in mainstream schools and to decide how these can be resourced and evaluated. Clarity is also needed on inclusion in mainstream schools can be measured in order to assess whether it is working.

Making more support in mainstream schools work also requires an adequate supply of knowledgeable, well-trained teachers. The government is prioritising this through revision to initial teacher education courses, with an emphasis on all teachers being teachers of special educational needs.

If the government doesn’t get this right, the result may be poorer educational and long-term outcomes for pupils with special educational needs and disabilities. It may also lead to issues with teacher recruitment and retention in mainstream schools, particularly if teachers feel that they do not have the level of support in place that they need to meet the needs of their pupils.

Jonathan Glazzard does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. What are education and health care plans and why are parents worried about them being scrapped? – https://theconversation.com/what-are-education-and-health-care-plans-and-why-are-parents-worried-about-them-being-scrapped-260622

MIL OSI –

July 23, 2025
MIL-OSI: LanzaTech Awarded Significant Grant by UK Government to Propel Sustainable Aviation Fuel Production

Source: GlobeNewswire (MIL-OSI)

LONDON, July 22, 2025 (GLOBE NEWSWIRE) — LanzaTech Global, Inc. (NASDAQ: LNZA) (“LanzaTech” or the “Company”) a leader in carbon management solutions, announced it has received a grant of £6.4 million from the UK government’s Advanced Fuels Fund (AFF), operated by the Department for Transport (DfT).

The grant will accelerate the development of LanzaTech’s innovative DRAGON 1 & 2 projects, each playing a crucial role in the production of sustainable aviation fuel (SAF) in the UK. Project DRAGON stands for Decarbonizing and Reimagining Aviation for the Goal Of Netzero.

The DRAGON 1 project is LanzaTech’s existing UK SAF project that will convert recycled carbon fuel ethanol (including ethanol from LanzaTech’s gas fermentation process) into Advanced SAF in Port Talbot, South Wales, using the LanzaJet® Alcohol-to-Jet (AtJ) process.

The DRAGON 2 project is a Power-to-Liquid (PtL) facility that will convert waste carbon dioxide and green hydrogen into ethanol for subsequent conversion into PtL SAF at an adjacent facility using the LanzaJet® Alcohol-to-Jet (AtJ) process. The location for DRAGON 2 in the UK will be determined during this grant-funded project.

Integrating LanzaTech’s gas fermentation process with LanzaJet’s AtJ technology gives this approach a distinctive edge. By turning regional waste resources into valuable SAF, LanzaTech facilitates the production of low Carbon Intensity (CI) fuels, contributing positively to the UK’s SAF Mandate and supporting economic growth and job creation in industrial zones in the UK.

“The future of aviation fuel is ethanol-to-SAF and LanzaTech is at the forefront,” said Dr. Jennifer Holmgren, CEO of LanzaTech. “Our commitment to enabling cleaner jet fuel is bolstered by the UK government’s continued support and confidence in LanzaTech as a leader in the sector. This funding not only affirms the value of our unique technology and feedstock approach but also propels our mission to integrate air travel into a circular carbon economy. DRAGON 1 & 2 are set to drive the global SAF market forward and exemplify the UK’s commitment to leading SAF innovation on the global stage.”

The UK government’s significant investment in these projects underscores their confidence in LanzaTech’s proven, commercial-scale technology and its potential to substantially boost the UK’s SAF production. This endorsement not only solidifies LanzaTech’s reputation as a leader in advancing global clean energy initiatives but also emphasizes the crucial role of feedstock providers. By leveraging low-cost, sustainable inputs for SAF production, LanzaTech is poised to play a key role in aiding the aviation sector’s pursuit of its net-zero commitments.

Separately, Project Speedbird by LanzaJet, in which LanzaTech holds a 36% ownership stake, also received recognition and £10 million in funding from the Advanced Fuels Fund, further testament to the government’s trust in the Lanza technology portfolio. In 2024, LanzaTech and LanzaJet partnered to create CirculAir™, that transforms nearly any form of waste carbon (including CO₂, MSW, agri residues) into SAF, combining the groundbreaking technologies of both companies to provide the aviation industry with a solution to produce waste-based SAF on a global scale.

Today’s allocation boosts total government contributions through the Advanced Fuels Fund (AFF) to £198 million, aimed at expanding cleaner aviation technologies. This strategic investment is a testament to the UK government’s comprehensive approach to environmental strategies, aligning with initiatives like the recently enacted SAF Mandate. This funding round notably supports a broad spectrum of pathways and feedstocks for SAF production—an inclusive move by the UK government that recognizes the need for varied solutions in the pursuit of net-zero aviation.

LanzaTech is committed to continuing its collaborative efforts with the UK government, industry partners, and the global community to scale solutions that can transform waste carbon into an opportunity for sustainable growth. We are proud to be recognized as part of the diverse array of solutions required to achieve a sustainable future for aviation.

About LanzaTech

LanzaTech Global, Inc. (NASDAQ: LNZA) is a carbon management solutions company that transforms industrial emissions, gasified solid waste and carbon dioxide into recycled carbon ethanol via proprietary bio-fermentation technology. Ethanol is a crucial building block in the world – a key feedstock for Sustainable Aviation Fuel (SAF) and other downstream chemical derivatives. Operating commercially at six assets today, the expanding project pipeline is set to meet growing SAF demand on a global scale in the coming years. LanzaTech’s technology unlocks value across the supply chain, reducing the carbon footprint of hard-to-abate sectors while shepherding recycled carbon fuels and products to the world, building a circular carbon economy.

Investor Relations
John Ragozzino
Lanzatech@icrinc.com

Public Relations
Matt Dallas
Lanzatech@icrinc.com

The MIL Network –

July 23, 2025
MIL-OSI United Kingdom: Reaction to Sizewell C deal: too expensive, too slow

Source: Green Party of England and Wales

22 July 2025 by Green Party

Commenting on news that the Government has struck a deal with private investors to progress the Sizewell C nuclear power plant in Suffolk – a deal in which the government will have a 45% stake – co-leader of the Green Party and Waveney Valley MP, Adrian Ramsay, said:

“The tax-payer will pick up nearly half of the estimated £38bn bill for Sizewell C but see not a single watt of electricity from it for at least a decade. Bill-payers will also have to stump up the cash for this plant through an increase in their energy bills by around £12 a year.

“New nuclear is a vastly more expensive way to produce electricity than renewables, with electricity from Sizewell C estimated to cost around £170 per megawatt hour compared to offshore wind at around £89/MWh. Hinkley C has also shown how the costs of developing nuclear power plants mushroom and are beset by endless delays.

“The billions of our money being squandered on this nuclear gamble would be far better spent on insulating and retrofitting millions of homes, which would bringing down energy bills and keep people warm in winter and cool in summer. We should also be investing in genuinely green power such as fitting millions of solar panels to roofs, and in innovative technologies like tidal power. All this would create many more jobs than nuclear ever will and deliver clean electricity much more quickly.”

MIL OSI United Kingdom –

July 23, 2025
MIL-OSI United Kingdom: Government publishes plan to address presence of chemicals from pet flea and tick treatments in UK waterways
Source: United Kingdom – Executive Government & Departments

Press release

Government publishes plan to address presence of chemicals from pet flea and tick treatments in UK waterways

New plans to address the presence of chemicals from flea and tick treatments in rivers and streams across the UK have been unveiled today
New plans to address the presence of chemicals from flea and tick treatments in rivers and streams across the UK have been unveiled today (Tuesday 22 July).

The initiative by the Cross-Government Pharmaceuticals in the Environment (PiE) Group focuses primarily on two chemicals – fipronil and imidacloprid – commonly used in topical parasite treatments for pets. These medicines play an essential role in protecting both animal and human health against fleas and ticks, however there are growing concerns around the amount of fipronil and imidacloprid finding its way into UK rivers and lakes .

The new roadmap outlines key actions to reduce levels of flea and tick treatments in the environment while protecting animal welfare – which includes commissioning research to better understand this issue and using this evidence to support an international review of environmental risk assessment guidelines . The three key stages of the roadmap are:

Communication and Education (Short Term):
The Veterinary Medicines Directorate (VMD) will collaborate with veterinary professionals and industry stakeholders to improve pet owner awareness about the appropriate use and disposal of flea and tick treatments.

Evidence Gathering (Medium Term):
The group will build a comprehensive understanding of the environmental impacts of these chemicals, alongside evaluating potential consequences of changing use patterns on animal and human health. The VMD has commissioned scientific research investigating how these substances enter rivers and streams and is working closely with the Environment Agency to assess the environmental risks they pose.

Regulatory Actions (Long Term):
Based on the evidence collected, the PiE Group will support a review of international environmental risk assessment guidelines and consider future regulatory approaches to mitigate environmental risks.

Defra Biosecurity Minister, Baroness Hayman said:

This Government is absolutely committed to restoring nature and reducing harms posed by chemicals in the environment.

Our new Roadmap will develop a better understanding of the impact of flea and tick treatments on the environment, while recognising these treatments play a vital role in pet and human health.

Abigail Seager, Chief Executive Officer of the Veterinary Medicines Directorate (VMD), said:

This roadmap represents an important step forward in ensuring that the benefits of effective parasite control are maintained while taking necessary actions to reduce environmental risks.

It reflects our commitment to an evidence-based approach, working closely with partners across government to protect both animal health and the environment.

Kelly Short, Environment Agency Chemicals Manager said:

The launch of this roadmap is an important step in tackling the presence of harmful chemicals like fipronil and imidacloprid in our rivers and streams.

By improving public awareness, building the evidence base, and working together to assess environmental risks, we can take meaningful action to protect our water environment and the wildlife that depends on it.

The PiE Group brings together key government bodies, including the Veterinary Medicines Directorate (VMD), Environment Agency (EA), Health and Safety Executive (HSE), Department for Environment, Food and Rural Affairs (Defra), Medicines and Healthcare products Regulatory Agency (MHRA), and representatives from devolved administrations in Wales, Scotland, and Northern Ireland.

This collaborative initiative aims to develop a coordinated strategy to reduce the environmental impact of pharmaceuticals from human, veterinary, agricultural, and non-agricultural sources.

ENDS

Notes to Editors:

The full roadmap is available at: Cross-government Pharmaceuticals in the Environment Group Roadmap – GOV.UK

All flea and tick treatments authorised in the UK have undergone an environmental risk assessment (ERA). This is a requirement for all veterinary pharmaceuticals authorised by the VMD. Currently, for pharmaceuticals for companion animals, the ERA is limited to an exposure assessment, known as a Phase I assessment. This is based on VICH (International Cooperation on Harmonisation of Technical Requirements for Registration of Veterinary Medicinal Products) guidelines. Due to environmental concerns, the VMD are supporting a call for a review of the process for assessing environmental risk from parasiticides for companion animals at an international level and are gathering evidence to inform future policy decisions.

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Published 22 July 2025
MIL OSI United Kingdom –
July 23, 2025

MIL-OSI: Grasping Solana’s bull market target of $6,000, GoldenMining launches cloud staking contracts

Source: GlobeNewswire (MIL-OSI)

London, England, July 22, 2025 (GLOBE NEWSWIRE) — As the volatility of the crypto market intensifies, many investors are hesitant about their positions: should they clear their positions or reduce their positions? Or look for a more stable investment method. GoldenMining launches Solana cloud staking contracts to help investors easily realize asset appreciation.

Solana’s technology and ecology are constantly improving, and the market is generally optimistic about its future growth potential, with a target price of around $6,000. The network activity and total locked value have grown steadily, showing strong momentum.

Solana uses a staking mechanism to support network security, and coin holders receive rewards through staking. After users purchase GoldenMining contracts, the platform manages the staking on their behalf, and the income is settled daily, without user operation, safe and stable.

Mining Solana: Popular Contract Recommendations

contract	Investment Amount	Contract Rewards	Total income
VOLCMINER D1 Lite	$15	$0.6	$15.6
Elphapex DG1+	$100	$3	$106
Bitmain S23 Hyd	$500	$32.5	$532.5
AntminerL916GH	$1000	$135	$1135
L917GH	$3000	$621	$3621
ElphaPex DG Hydro1	$5000	$1400	$6400
Elphapex DG2 – 25-Day	$8000	$2900	$10900
Elphapex DG2+ – 30-Day	$15000	$6750	$21750

A brief introduction: What is Solana staking contract

In actual operation, Solana’s staking is different from traditional “mining”. It is to participate in network consensus and obtain rewards by entrusting the SOL held to the verification node. In order to lower the technical threshold, GoldenMining has contracted this process and launched the Solana cloud staking contract. Users do not need to build nodes or configure wallets. After purchasing the contract, the platform will complete the staking on their behalf. The income is distributed daily and the process is transparent

How to participate in the Solana cloud staking contract

Visit the GoldenMining official website, complete the registration and activate the account. The system will automatically issue a $15 trial fund. You can try the SOL contract directly without recharging, and experience the income and platform operation first.

Flexible and convenient multi-currency recharge: The platform supports the recharge and withdrawal of multiple mainstream cryptocurrencies such as Solana (SOL), Bitcoin (BTC), Ethereum (ETH), XRP, Dogecoin (DOGE), etc., with simple operation and fast arrival, meeting the usage habits and capital needs of different users.

Choose a contract

According to the funds and needs, choose a suitable Solana staking contract, you can start the cloud miner, and the platform will automatically convert the funds and stake Solana on your behalf. After the contract is signed, the system will automatically settle the income into the account every day, and the income can be generated within 24 hours without manual operation by the user.

Daily income

After the contract is activated, the user will receive stable income every day, without manual operation, and support withdrawal or reinvestment at any time.

The user’s funds are safely stored in a first-tier bank, and all users’ personal information is protected by SSL encryption. The platform provides insurance for each investment, which is underwritten by AIG Insurance Company to ensure the safety of users’ funds

Looking forward to the future, win-win cooperation

With the continuous maturity of blockchain technology and Solana ecology, staking has become an important means of asset appreciation. GoldenMining keeps pace with the development of the industry and is committed to providing investors with safe and convenient staking services. Through professional management and continuous optimization, the platform helps users to obtain stable income and effectively reduce the risks brought by market fluctuations. In the future, GoldenMining will continue to pay attention to market trends, improve the service system, and help investors seize Solana’s growth opportunities and achieve steady wealth improvement.

For more information, please visit the official website: www.Goldenmining.com
For business cooperation, please contact the official email: info@Goldenmining.com

Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

The MIL Network –

July 23, 2025

MIL-OSI United Kingdom: Nigel Topping CMG appointed Chair of the Climate Change Committee
Source: United Kingdom – Government Statements

News story

Nigel Topping CMG appointed Chair of the Climate Change Committee

Nigel Topping CMG has been appointed as Chair of the Climate Change Committee.
Nigel Topping CMG has been appointed as Chair of the Climate Change Committee (CCC) by the UK and devolved governments today (22 July).

This follows the Secretary of State, Ed Miliband, and the Northern Irish, Welsh and Scottish devolved government Ministers selecting Nigel Topping as the preferred candidate for the role, as well as a successful pre-appointment hearing in front of the Energy Security and Net Zero and Environmental Audit Committees on Wednesday 16 July.

The Energy Secretary has written to Nigel Topping to confirm his appointment, welcoming him to the role and confirming his confidence in him to lead the Climate Change Committee. He has also written to Professor Piers Forster, to thank him for his leadership as interim Chair of the CCC following Lord Deben’s departure in 2023.

The Chair will play a key role in the committee’s work of advising government on the delivery of its carbon budgets, with a critical few years ahead as the government accelerates to net zero as part of its clean energy superpower mission.

Energy Secretary, Ed Miliband, said:

I want to congratulate Nigel Topping on his appointment as Chair of the Climate Change Committee.

We highly value the Climate Change Committee’s independent advice on how we can achieve net zero, so I am thrilled to have Nigel in this important role – as he brings extensive experience, including from his time serving as the UN High Level Climate Action Champion for COP26.

Net zero is the economic opportunity of the 21st century and Nigel’s business expertise will help us to maximise on this opportunity as we deliver our clean energy superpower mission – boosting energy security, creating good jobs, bringing down bills and tackling the climate crisis.

Nigel Topping, Chair of the Climate Change Committee, said:

It is an honour to be appointed Chair of the Climate Change Committee at this pivotal moment. The UK has an opportunity to deliver on its climate commitments in a way that reduces costs for households, powers our industries forward, and makes our economy more successful. It’s also important to ensure resilience against growing climate impacts and I look forward to working with Baroness Brown who leads our adaptation work.

I’d like to offer my sincere thanks to Professor Piers Forster, who has been our interim Chair since Lord Deben stepped down. He has led the Committee through an incredibly busy period overseeing advice on the UK’s Seventh Carbon Budget, three devolved carbon budgets, and a number of key progress reports to government.

I am committed to upholding the rigour and independent nature of the Committee’s advice, while harnessing our country’s wealth of scientific, financial and business talent.

Nigel Topping’s selection follows a competitive recruitment process in line with the Governance Code for Public Appointments.

Notes to Editors

The UK government, Scottish Government, Welsh Government, and Northern Ireland Executive agreed to appoint Nigel Topping. The decision-making Ministers were:

Ed Miliband MP, Secretary of State for Energy Security and Net Zero

Andrew Muir MLA, Minister of Agriculture, Environment, and Rural Affairs, Northern Ireland Executive

Gillian Martin MSP, Cabinet Secretary for Climate Action and Energy, Scottish Government

Huw Irranca-Davies MS, Deputy First Minister of Wales and Cabinet Secretary for Climate Change and Rural Affairs, Welsh Government

Nigel Topping’s term as Chair will begin on Wednesday 23 July.

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Published 22 July 2025
MIL OSI United Kingdom –
July 22, 2025
MIL-OSI United Kingdom: £1m investment to turn Portsmouth into a nature positive city

Source: City of Portsmouth

Nearly £1m of extra investment will help reinforce Portsmouth as a nature positive city.

Portsmouth City Council has been awarded Nature Towns and Cities funding after a successful bid to the National Lottery Heritage Fund.

The £895,818 will be spent on transforming the city’s green infrastructure over three years for the benefit of residents and nature, paving the way for Portsmouth to become an officially recognised Nature City. It will also be used to leverage in external funding for the city.

Cllr Kimberly Barrett, Portsmouth City Council Cabinet Member for Climate Change and Greening the City, said:

“As we approach 2026, Portsmouth’s Centenary Year, this funding will help us understand how we can work with residents and communities to achieve our bold ambition to make Portsmouth a nature positive city, where the benefits of nature can be enjoyed and support the health and wellbeing of residents.

“We can only achieve this by working in partnership, and the council is delighted to be working with Southern Water, Hampshire and Isle of Wight Wildlife Trust, Historic England and Shaping Portsmouth. We know facing the environmental challenges of the future requires strong collaboration.”

Because Portsmouth is a densely populated city, it means its vital green spaces are fragmented by roads and buildings. The funding will help connect these spaces by identifying opportunities for new green infrastructure such as rain gardens and trees, creating corridors for wildlife to travel between.

The funding will build on recommendations from a developing Urban Forest Master Plan and enable the council to work with residents, landowners and others across the city to develop a resilient treescape with diverse species resistant to a changing climate and pests and disease. This will help in the fight against climate change, by creating shade and cooling because trees release water vapour, and absorb rain water.

By working with local environmental groups, charities, communities and businesses the council will develop a shared understanding of how to become a well-adapted Portsmouth, resilient to the increasing climate hazards already being faced, whether heatwaves or intense rainfall bringing surface water flooding. Working in key areas of the city will drive investment for green infrastructure into places where it is needed most, therefore addressing inequalities.

Community groups will be supported through small grants, training and mentoring. Businesses will also be encouraged to participate in the project accessing support and advice.

The ambitious and transformative project will start in October 2025 when further details will be available.

Residents are also encouraged to help young trees thrive in the current heatwaves by watering those close to where they live or work.

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Leeds aquatics team success brings home international medals
Source: City of Leeds

Leeds City Council’s aquatic training scheme has brought home six medals from the European Junior Championships that took place earlier this month.
Five swimmers got selected from Leeds for the championship this year, more than from any other programme and the highest number Leeds has had selected since 2008.

The team brought home three gold, one silver and two bronze medals.

As a result of their great performances Daniel Ransom and Gabriel Shepherd have also been selected for the World Aquatics Junior Championships in August, where they will represent Great Britain amongst some of the strongest junior swimmers from across the world.

The aquatics scheme at John Charles Centre for Sport has cemented itself as the leading aquatics programme in Great Britain, providing more athletes to Great Britain’s world class programmes and the England national performance and talent programmes than any other aquatics programme.

Councillor Salma Arif, executive member for adult social care, active lifestyles, and culture, said: “I want to say congratulations to the whole team who competed in the European Junior Championships, what an achievement.

“We are very proud of our aquatics training scheme and it’s wonderful to see that the hard work of the coaches and the athletes continues to pay off year after year.”

Jamie Fowler, group coach at Leeds City Council’s swim training scheme, said: “I would like to thank Active Leeds, Leeds City Council and the City of Leeds Swimming Club for the support that is provided for competitive swimming in the city.

“To have five swimmers at European Junior level is a fantastic achievement and is more than any other programme in Britian. It’s a true testament to how strong our age group and youth development programme is.”

List of medals:

Gabriel Shepherd

Bronze Men’s 4×100 Freestyle Relay

Silver Mixed 4×100 Freestyle Relay

Gold Men’s 4×100 Medley Relay

Hollie Wilson

Bronze Women’s 4×200 Freestyle Relay

Daniel Ransom

Gold Mixed 4×100 Medley Relay

Gold Men’s 4×100 Medley Relay

ENDS
MIL OSI United Kingdom –
July 22, 2025
MIL-OSI United Kingdom: Derby praised for work to keep children safe outside the school gates

Source: City of Derby

Children are enjoying safer journeys to and from school thanks to a pioneering Council scheme, which has now won a nationally recognised award for helping to keep children safe by the school gates.

School Safe Haven Zones operate outside of schools, using temporary road closures or restrictions to limit the use of cars for school drop-offs and pick-ups. Enforced by ANPR cameras, the zones restrict vehicles during peak hours to improve air quality and safety for students.

The zones, which have been trialled in multiple locations across the city, have brought tangible benefits to both school children and local residents. Not only are there fewer hazards caused by moving and dangerously parked vehicles, but air quality has improved, and active travel – such as walking and cycling – has increased. Residents living close to the zones have also seen reductions in traffic ‘rat-runs’ and felt that their communities were safer, more pleasant places to be.

Data collected through the scheme is used to identify high-risk locations, monitor compliance and enhance the technology, making sure that any enforcement is fair and accurate. Data collected in Derby has shown significant reductions of Nitrogen Dioxide (NO2) concentrations, with reductions of up to 48.8% in some locations.

The pioneering zones been formally recognised with Derby’s parking and transport teams winning Best Service Team of the Year at this year’s MJ Awards, which recognise and celebrate the vital, but often unseen, work that happens across local government. The first local authority to implement this type of scheme outside of London and Wales, the award highlighted the Derby City Council’s innovative and strategic approach, such as the positive impact on child safety, use of active travel methods and the improvements in air quality around schools across the city.

Councillor Carmel Swan, Cabinet Member for Climate Change, Transport and Sustainability said:

“We’re incredibly proud of the positive impact that our School Safe Havens have brought to Derby, and I’m so pleased that this work has been recognised on a national level.

“This isn’t just about reducing traffic; it’s about making sure that our children are safe outside the school gates and enabling healthy habits from a young age by promoting active travel and contributing to a healthier generation.

“By partnering with other local authorities to share our expertise, we’re not just making Derby safer, we’re also helping other councils do the same.”

Following overwhelming success in trials, the Council has teamed up with councils in Walsall, Coventry and Hull to roll out the project and improve safety elsewhere in the UK. Income of around £500,000 has been generated through this roll-out that is being reinvested into the project and other local services, such as providing cycle training and bicycles for school children as well as supporting other highways projects and the work of the school crossing patrol team.

More information about School Safe Haven Zones can be found on the Council’s website.

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Birmingham City Council: Lead Commissioner appointment letter (22 July 2025)

Source: United Kingdom – Executive Government & Departments

Correspondence

Birmingham City Council: Lead Commissioner appointment letter (22 July 2025)

Appointment letter of Tony McArdle OBE as Lead Commissioner at Birmingham City Council.

Applies to England

Documents

Birmingham City Council: Lead Commissioner appointment letter (22 July 2025)

PDF, 332 KB, 2 pages

Details

Copy of the letter confirming Tony McArdle’s appointment as Lead Commissioner at Birmingham City Council, following the retirement of Max Caller CBE.

Updates to this page

Published 22 July 2025

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MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Increased funding for entrepreneurial education

Source: Scottish Government

Up to £1.2 million to engage the next generation in business creation.

Funding to inspire young people to set up their own business has been increased by more than a third.

The Entrepreneurial Education Fund 2025-26 will make up to £1.2 million available for courses and projects that will encourage more young people, from a wide range of backgrounds, to choose business ownership as a career path.

Last year’s Fund supported programmes that embedded entrepreneurial education in Scotland’s classrooms right through school from P1 to S6.

The scope of this year’s fund has been expanded further to encourage more applications for vocational programmes equivalent to SCQF Levels 7 and 8.

Deputy First Minister Kate Forbes said:

“Fostering and supporting entrepreneurial talent is vital for ensuring a growing, thriving economy and the Scottish Government continues to invest in expanding the pipeline of support available to help this and the next generation of business founders to succeed.

“Entrepreneurial education helps build the mindset, skills and attitudes needed to succeed. It also, critically, increases participation from an early age, breaking down barriers to people considering entrepreneurship as a career choice.

“Last year’s Fund was run competitively for the first time, resulting in a diverse set of programmes to inspire young people across all school ages. With increased funding and further expansion to the scheme this year we are putting in place strong foundations to embed an entrepreneurial mindset at a crucial time.”

Chief Entrepreneur Ana Stewart said:

“Scotland’s future economy will be built by the bold ideas and creative minds we nurture today. This new round of the Entrepreneurial Education Fund will help to further embed innovation and ambition into entrepreneurial learning and teaching programmes. Importantly, this competitive fund will encourage innovation and impact by offering support to new providers in the field, as well as the more established organisations.

“By investing in the next generation of potential founders, we are shaping a culture where entrepreneurship is accessible, inclusive, and a natural path for anyone to turn an idea into a business.”

Daydream Believers received £146,200 from the Scottish Government’s Entrepreneurial Education Fund in 2024-25 to develop the Dreamers and Doers Playlist, a 120-hour learning programme delivered in schools across the country.

Managing Director of Daydream Believers Helena Good MBE said:

“Funding from the Scottish Government allowed us to take Creative Thinking to the next level, creating a resource that’s bold, joyful, and built to last. It’s laid the foundations for a lasting legacy, one we’re excited to build on as we grow, collaborate, and continue re-imagining what learning can be.”

Background

The Entrepreneurial Education Pathways Fund is open for applications until 20 August 2025. Grants of up to £250,000 are available to public and private sector organisations to deliver courses and projects

Daydream Believers – Daydream Believers

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Water quality in Scotland

Source: Scottish Government

Letter to Secretary of State for Environment, Food and Rural Affairs, Steve Reed.

Climate Action Secretary Gillian Martin has written to Steve Reed calling for a retraction of comments regarding the quality of water in Scotland.

The full text of the letter: Water quality in Scotland: Letter to Secretary of State for Environment, Food and Rural Affairs

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Scheme helping SMEs grow has just got bigger

Source: Anglia Ruskin University

A fully-funded programme for managers of small and medium-sized enterprises (SMEs) in the East of England is expanding to help more businesses to grow.

The 12-week Help to Grow: Management programme is designed to connect ambitious SME leaders with leading academics and experienced business professionals.

Through interactive workshops, peer networking opportunities, and dedicated one-on-one mentoring, participants gain practical tools aimed at boosting operational efficiency and elevating business performance.

The course focuses on crucial business areas, including leadership and strategy; marketing and international markets; financial management; and employee engagement.

The programme also integrates participants into a network of over 140 successful alumni who continue to benefit from ongoing connections and shared experiences.

The course is 90% Government-funded and is delivered by Anglia Ruskin University (ARU) in Cambridge and Chelmsford. ARU is now offering a fully-funded bursary to cover the remaining 10% of costs for eligible businesses, making the course available free to participants upon successful completion.

“The Help to Grow programme is instrumental in equipping business owners with the essential knowledge and skills needed for sustainable growth and innovation. We are delighted to expand its reach, further strengthening our commitment to supporting the regional business community and fostering a vibrant alumni network.”

Fiona McGonigle, Programme Manager and Business Engagement and Innovation Lead at ARU

“This unique programme helps share cutting-edge business models and novel research findings from academia directly to business executives. Our goal is to improve their enterprise innovation, profitability, and overall growth strategies.”

Dr Frank Nyame-Asiamah, Director of the Help to Grow: Management programme at ARU

The next course begins in Cambridge on 19 September 2025, with an additional cohort starting in Chelmsford on 9 January 2026.

For more information, contact [email protected]

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Ali Bowden, the first Director of Edinburgh UNESCO City of Literature, to receive the Edinburgh Award 2025

Source: Scotland – City of Edinburgh

The first Director of Edinburgh UNESCO City of Literature Ali Bowden has been selected to receive the prestigious Edinburgh Award 2025.

The Edinburgh Award was established in 2007 to honour outstanding individuals who have made a positive impact on the city and gained national and international recognition for Edinburgh. Nominations are invited annually from Edinburgh citizens and the recipient is selected by the Civic Awards Committee. Previous recipients include bestselling authors, human rights activists and world-famous sportspeople.

Ali Bowden became Director of Edinburgh UNESCO City of Literature in 2006, following a ten-year career in publishing, and was in the role for most of its 20-year history. Edinburgh became the world’s first UNESCO Creative City in 2004 and in the following years Ali helped to welcome new Cities of Literature as they joined, recruiting others from around the world in a bid to diversify the network. There are now 53 literary cities and more than 350 creative cities in seven artforms.

Ali will be presented with an engraved Loving Cup from the Lord Provost and have her handprints set in stone at the City Chambers later this year.

The Lord Provost of the City of Edinburgh, and Chair of the Civic Award Committee, Robert Aldridge said:

Ali Bowden is a most deserved recipient of the Edinburgh Award, and I’m really pleased that she has accepted the Civic Awards Committee decision to present it to her.

Edinburgh blazed a trail when it became the first UNESCO Creative City in 2004 and with Ali at the helm for almost 20 years it has continued to flourish in this position.

Not only has Ali gone above and beyond to create a diverse and engaging range of projects and programmes to enhance the literary city, she has played a key role in connecting Edinburgh with other literary cities around the world.

I’d like to congratulate Ali on behalf of the city – we will all benefit from her legacy, which builds on the Capital’s rich literary heritage while also bringing reading and literature to new and varied audiences.

Ali’s work to promote and enhance Edinburgh as a literary city includes community-based writers’ residencies, the first citywide reading campaign, and the award-winning Great Scott! installation in Waverley railway station honouring Sir Walter Scott. She was also behind the Stars & Stories trail of illuminated quotations celebrating 500 years of Edinburgh’s publishing heritage, and an initiative with ETAG to promote literary tourism.

Ali has played a key role in making introductions, bringing opportunities and showcasing the work of writers, readers, booksellers, publishers, programmers and visitors to the benefit of Edinburgh’s literary scene.

After 18 years as Director of Edinburgh UNESCO City of Literature, Ali stood down from the role in September 2024.

Ali Bowden said:

There’s no doubt that Edinburgh has stolen my heart, and I’ve happily spent the last few decades banging the drum for this impressive, bookish, story-filled and ever-changing city. I am humbled, honoured and delighted – in equal measure – to be receiving the Edinburgh Award. I know it’s only possible because of all the kind souls I’ve worked with over the years, on projects big and small, locally and internationally. All of them equally inspired by Edinburgh, this amazing, and first, City of Literature. Thank you all for doing a bit of hard work when I asked!

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: More infected blood victims set to receive compensation under changes to scheme
Source: United Kingdom – Executive Government & Departments

Press release

More infected blood victims set to receive compensation under changes to scheme

The Government outlines changes to the Infected Blood Compensation Scheme in response to the Infected Blood Inquiry Additional Report
Government makes changes to the Infected Blood Compensation Scheme in response to new recommendations from the Infected Blood Inquiry

Changes include modifications for those who have endured treatments with adverse side effects, and chronic Hepatitis C individuals

Further changes will address compensation for affected victims and their estates

More victims of the infected blood scandal will be able to claim compensation as the government proposes changes to the existing Infected Blood Compensation Scheme.

Changes could result in over a thousand people receiving a higher amount of compensation than they would have under the existing scheme.

The proposed changes will ensure that those who endured treatments with adverse side effects, such as interferon, will receive higher compensation to what is currently provided.

The changes will also provide further compensation for the impacts currently recognised by the Infected Blood Support Scheme ‘Special Category Mechanism’, provided to chronic Hepatitis C individuals who have experienced a significant impact on their ability to carry out daily duties.

Further changes will address compensation for affected victims. Under the existing scheme, if an affected person – a spouse, partner, sibling, parent or unpaid carer of an infected person – passed away, their claim would die with them.

However, changes to the scheme will now mean that if the affected person has died or dies after May 21st 2024, their estate will be able to make a claim. While the total number of affected victims is not known, this could enable significantly more people to receive compensation.

These changes come in response to 16 new recommendations from the Infected Blood Inquiry, published in its Additional Report on Compensation on Wednesday 9th July.

Minister for the Cabinet Office and Paymaster General, Nick Thomas-Symonds, set out these changes today in Parliament.

He said:

When I appeared before the Inquiry in May, I said that I would take a constructive approach and – carefully – consider the issues that had been put to me.

I have concentrated on removing barriers to quicker compensation, working with IBCA, and am determined to deliver improvements based on this new report.

Our focus as we move forward must be working together to not only deliver justice to all those impacted, but also to restore trust in the state to people who have been let down too many times.

Today, the government has also announced that Clive Smith, President of the Haemophilia Society, will be the Chair of the Infected Blood Memorial Committee.

Mr Smith will lead the work to create a national memorial to the victims of the Infected Blood Scandal. This project will include plans for a UK memorial and support memorials in Scotland, Wales and Northern Ireland.

In line with the Infected Blood Inquiry’s recommendation, the Committee will also develop plans for commemorative events and is planning to hold the first by the end of 2025.

Incoming Chair of the Infected Blood Memorial Committee Clive Smith said:

A memorial to the thousands who have died from the contaminated blood scandal is long overdue. It is a great privilege to be asked to lead this important work on behalf of the community.

I am conscious that we are already behind in relation to implementing the Infected Blood Inquiry’s recommendation that community events be held on a 6-month basis post the Inquiry reporting. We intend to correct that by the end of this year.

I look forward to working with the whole community across the UK on building an appropriate memorial to those we have lost and to act as a lasting memorial to the Nation of what can happen when patient safety is not prioritised.

Ends

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Published 22 July 2025
MIL OSI United Kingdom –
July 22, 2025
MIL-OSI United Kingdom: Migration Minister comments as UK Government changes to immigration policy come into force

Source: Scottish Government

Kaukab Stewart, Minister for Migration, has commented as changes to immigration rules proposed by the UK Government come into force today.

Ms Stewart said:

“The UK Government’s approach to immigration simply isn’t working for Scotland. As these new rules come into force, they will hinder the prosperity of Scotland. We have repeatedly called on them to take a more pragmatic approach to migration—one that recognises our distinct demographic and economic needs.

“Ending the international recruitment of care workers, without sufficient notice or any substantial consultation on its impact, will be devastating for the care sector in Scotland and across the UK.

“These changes will prevent, rather than promote, economic growth. By increasing the salary threshold for skilled worker visas, it will become harder for people to choose to work in Scotland, hurting businesses in turn. The UK Government should listen to the large majority of businesses who support a Scottish visa to allow migrants to make a positive contribution to Scotland’s economy, public services and communities.

“The UK Government must engage seriously with the Scottish Government on our proposals for tailored migration routes, including a Rural Visa Pilot and a Scottish Graduate Visa, or risk further damage to Scotland’s economy and public services.”

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Council officially adopts Local Development Plan, LDP 2032

Source: Northern Ireland – City of Derry

Council officially adopts Local Development Plan, LDP 2032

11 July 2025

Derry City and Strabane District Council has officially adopted the Local Development Plan 2032: Plan Strategy, following an extensive process involving widespread public and stakeholder engagement.

Each Council across N. Ireland was tasked with the delivery of a bespoke development plan for their area – in consultation with the local community and reflecting the vision, objectives, growth strategy and strategic policies for the council area. The LDP comprises of all the Planning policies for the City and District, as well as making sure there is enough land available for the area’s housing, employment and community needs, while protecting important landscape and environmental features.

Following the Independent Examination (IE) of the Derry City and Strabane District Council Local Development Plan 2032 – draft Plan Strategy, the Planning Appeal Commission’s (PAC) report and a Direction from the Department for Infrastructure (DfI) was issued on 17th December 2024 to Adopt the LDP Plan Strategy, with Modifications, under section 12(1)(b) of the Planning Act (NI) 2011.

After the Independent Examination, the PAC found the draft Plan Strategy to be sound, subject to the required amendments and Modifications. The Council considers the PAC report and the DfI Direction, to be a strong endorsement of the Council’s vision and policies in the Plan.

Welcoming the adoption, the Mayor of Derry City and Strabane District, Councillor Ruairí McHugh, said: “This is a significant milestone for the future development and regeneration of the Derry City and Strabane District. The LDP is a major strategy that will provide a solid foundation for future development across our City and District. We now have a full suite of our own Planning policies that can accommodate all sorts of buildings and uses that are required, to make this City and District a thriving and prosperous place for everyone.

“We have major ambitions for the growth and development of Derry and Strabane in line with the priorities set out in our Strategic Growth Plan. The LDP provides a Planning framework that will guide and direct future growth ensuring that development here is responsible, sustainable and fully regulated for the benefit or all our citizens.”

The LDP 2032 Plan Strategy is available, together with the associated documents, at https://www.derrystrabane.com/subsites/ldp

The LDP documents are also available to view, by appointment, during normal opening hours, at:

• Council Offices, 98 Strand Road, Derry, BT48 7NN

• Council Offices, 47 Derry Road, Strabane, BT82 8DY

The Council has also commenced a public consultation, to 4^th September, on a series of Supplementary Planning Guidance (SPG) documents that will support the implementation of the LDP.

Derry City & Strabane District Council will now formally commence the preparation of the Local Development Plan (LDP) Local Policies Plan (LPP). The public is not required to take any further action or make any submissions at this time. This LPP will be undertaken in accordance with the Planning (LDP) Regulations (NI) 2015 and the Council’s published LDP Timetable and Statement of Community Involvement (Planning, SCI) (both documents are under review, available on the Council website).

The LDP 2032 Plan Strategy (PS) and associated documents can be supplied in alternative formats; any such requests or queries should be directed to the Local Development Plan Team at: [email protected] or in writing to Local Development Plan Team, Council Offices, 98 Strand Road, Derry, BT48 7NN.

MIL OSI United Kingdom –

July 22, 2025
MIL-OSI United Kingdom: Labour Market training on Machinery

Source: Northern Ireland – City of Derry

Labour Market training on Machinery

16 July 2025

Tuesday 15^th July 2025

The Derry Strabane Labour Market Partnership (LMP) is pleased to announce the launch of its new Plant Academy, an innovative programme designed to equip local residents with the essential skills for working with plant and machinery. Set to begin on July 10, the Academy will be delivered by McKinney’s Safety Centre.

This initiative comes at a crucial time, as the Derry City and Strabane District Council area anticipates significant growth from incoming investments, including the Derry Strabane City Deal and other major construction and infrastructure developments. The Plant Academy will prepare participants for the new skills required to capitalise on these transformative opportunities.

Funded by the Department for Communities, Labour Market Partnerships are designed to create targeted employment action plans for Council areas, fostering collaboration to support people into employment.

Kevin O’Connor, Head of Business with Derry City and Strabane District Council, encouraging local participation in the Academy said: “This is a unique opportunity for our community to upskill and gain training that will directly assist them in securing upcoming jobs. Construction investment is a cornerstone for transformative progress in the Derry and Strabane region, from urban regeneration to sustainable housing projects, commercial ventures, and cutting-edge infrastructure. With significant growth anticipated in the construction sector, the need for skilled workers has never been greater. The Labour Market Partnership is working closely with local communities and statutory organisations to equip residents with the expertise required to seize current and upcoming employment opportunities.”

The Plant Academy specifically targets residents of the Derry City and Strabane District Council area, focusing on developing in-demand skills within the plant and construction sectors. Participants will gain valuable certifications in areas such as dump truck operation, telehandler use, and roller driving. These practical training opportunities are carefully tailored to align with current industry needs, offering the potential for long-term employment prospects.

Applicants must meet specific eligibility criteria to enrol. Those selected will access hands-on training designed to build foundational skills crucial for contributing to the region’s growing construction landscape. For further details about the Plant Academy or to inquire about eligibility, please contact Hazel at McKinney’s Safety Centre at [email protected].

MIL OSI United Kingdom –

July 22, 2025

Category: Great Britain

What counts as pollution?

Nature’s new rhythms

Let’s rethink time

Lord Chancellor letter to the Chair of the SSRB: July 2025

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Remit letter for the PSPRB 2026 England and Wales pay round

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School Teachers’ Review Body remit letter for 2026 and 2027

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July 16, 2025

UK Carrier Strike Group contributes to Exercise Talisman Sabre

Defence Secretary John Healey said:

Commodore James Blackmore said:

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New Forensic Science Regulator appointed for England and Wales

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Patterns and trends

Future plans

Government publishes plan to address presence of chemicals from pet flea and tick treatments in UK waterways

Defra Biosecurity Minister, Baroness Hayman said:

Abigail Seager, Chief Executive Officer of the Veterinary Medicines Directorate (VMD), said:

Kelly Short, Environment Agency Chemicals Manager said:

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Nigel Topping CMG appointed Chair of the Climate Change Committee

Notes to Editors

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Nearly £1m of extra investment will help reinforce Portsmouth as a nature positive city.

Birmingham City Council: Lead Commissioner appointment letter (22 July 2025)

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More infected blood victims set to receive compensation under changes to scheme

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Council officially adopts Local Development Plan, LDP 2032

Labour Market training on Machinery