12
CIS - Co-operative Insurance: UK assurance, mortgages, pensions
The Co-operative Bank : Customer Led, Ethically Guided
smile.co.uk
Co-operative Financial Services Sustainability Report 2003
image of a printer
Sustainability Report 2003
Chief Executive's overview
Reporting approach
Context
Partners
Indicators
Sustainability, governance and management
Delivering value
Social Responsibility
Ecological sustainability
Audit and commentary
Technical information

 

Is the text on this page too small ?

Conversion factors

1 Energy

1.1 Energy: carbon dioxide (CO2) emissions to air.

Electricity based on landfill gas, biogas, hydro and wind is considered to have zero net carbon dioxide emissions.

2003 data sets.

Gas: 190g CO2/kWh (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Fossil fuel electricity: 430g CO2/kWh (DETR, 2001).
Oil: 250.8g CO2/kWh (Clifford Talbot Partnership, 2002).
CHP: 129g CO2/kWh (Dalkia Energy Services Ltd, 2003).

2002 data sets.

Gas: 190g CO2/kWh (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Fossil fuel electricity: 430g CO2/kWh (DETR, 2001).
CHP: 129g CO2/kWh (Dalkia Energy Services Ltd, 2003).

2001 datasets.

Gas: 190g CO2/kWh (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Fossil fuel electricity: 430g CO2/kWh (DETR, 2001).

2000 data sets.

Gas: 190g CO2/kWh (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 1999).
Fossil fuel electricity: 440g CO2/kWh (DETR, 1999).

1999 data sets.

Gas: 190g CO2/kWh (Building Research Energy Conservation Support Unit, [BRECSU] 2000).
Fossil fuel electricity: 470g CO2/kWh (BRECSU, 2000).

1998 data sets.

Gas: 191g CO2/kWh (BRECSU, 1999).
Fossil fuel electricity: 473g CO2/kWh (BRECSU, 1999).

1997 data sets.

Gas: 191g CO2/kWh (BRECSU, 1998).
Fossil fuel electricity: 484g CO2/kWh (BRECSU, 1998).

1.2 Energy: sulphur dioxide (SO2) emissions to air.

Electricity based on hydro and wind taken to have zero SO2 emissions.

2003 data sets.

Gas: 0.011g SO2/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 3.141g SO2/kWh (Clifford Talbot Partnership, 2002).
Oil: 1.620g SO2/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 0.299g SO2/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.011g SO2/kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.0075g SO2/kWh (Dalkia Energy Services Ltd, 2003).

2002, 2001, 2000 and 1997 data sets.

Gas: 0.011g SO2/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 3.141g SO2/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 0.299g SO2/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.011g SO2/kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.0075g SO2/kWh (Dalkia Energy Services Ltd, 2003).

1.3 Energy: nitrogen oxide (NOx) emissions to air.

2003 data sets.

Electricity based on hydro and wind taken to have zero emissions.

Gas: 0.202g NOx/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 1.134g NOx/kWh (Clifford Talbot Partnership, 2002).
Oil: 0.36g NOx/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g NOx/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.18g NOx /kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.137g NOx/kWh (Dalkia Energy Services Ltd, 2003).

2002 data sets.

Gas: 0.202g NOx/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 1.134g NOx/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g NOx/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.18g NOx /kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.137g NOx/kWh (Dalkia Energy Services Ltd, 2003).

2001, 2000 and 1997 data sets.

Gas: 0.202g NOx/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 1.134g NOx/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g NOx/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.18g NOx /kWh (European Commission ATLAS and Ecotricity, 2002).

1.4 Energy: particulate emissions to air.

Electricity based on hydro, wind and gas (including CHP) taken to have zero emissions.

2003 data sets.

Fossil fuel electricity: 0.061g particulates/kWh (Clifford Talbot Partnership, 2002).
Oil: 0.054g particulates/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 0.101g particulates/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.011g particulates/kWh (European Commission ATLAS and Ecotricity, 2002).

2002, 2001, 2000 and 1997 data sets.

Fossil fuel electricity: 0.061g particulates/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 0.101g particulates/kWh (European Commission ATLAS and Ecotricity, 2002).
Biogas: 0.011g particulates/kWh (European Commission ATLAS and Ecotricity, 2002).

1.5 Energy: volatile organic compound (VOC) emissions to air.

Electricity based on hydro, wind and biogas taken to have zero emissions.

2003 data sets.

Gas: 0.018g VOC/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 0.025g VOC/kWh (Clifford Talbot Partnership, 2002).
Oil: 0.011g VOC/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g VOC/kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.01224g VOC/kWh (Dalkia Energy Services, 2003).

2002 data sets.

Gas: 0.018g VOC/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 0.025g VOC/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g VOC/kWh (European Commission ATLAS and Ecotricity, 2002).
CHP: 0.01224g VOC/kWh (Dalkia Energy Services, 2003).

2001, 2000 and 1997 data sets.

Gas: 0.018g VOC/kWh (Clifford Talbot Partnership, 2002).
Fossil fuel electricity: 0.025g VOC/kWh (Clifford Talbot Partnership, 2002).
Landfill gas: 2.088g VOC/kWh (European Commission ATLAS and Ecotricity, 2002).

Follow this link to the energy datasets

2 Persistent Bio-Accumulative Chemicals

2.1 Global warming potential of organohalogens in use (CO2 tonnes equivalent).

All datasets.

CFC R12: 8,500 Global Warming Potential (GWP) (Intergovernmental Panel on Climate Change [IPCC] using a 100 year time scale, relative to a value of 1.0 for CO2, 1994).
Halon 1301: 5,600 GWP (IPCC, Third Assessment Report: Climate Change, 2001).
HCFC R22: 1,700 GWP (IPCC, 1994).
HFC R134a: 1,300 GWP (IPCC, 1994).
HFC R417a: 1,950 GWP (IPCC, 1994).
HFC R407c: 1,610 GWP (IPCC, 1994).
Hydrocarbon: 3 GWP (World Meteorological Organisation Scientific Assessment on Ozone Depletion, Geneva, 1998).
Lithium Bromide: 0 GWP (United States Environment Protection Agency [USEPA] 2002).
Ammonia: 0 GWP (USEPA, 2002).

Follow this link to the persistent bio-accumulative chemicals datasets

3 Transport

3.1 Transport: carbon dioxide (CO2) emissions.

2003 data sets.

Cars and vans.

Petrol employee cars: 0.20kg CO2/km (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Diesel employee cars: 0.12kg CO2/km (DETR, 2001).
Petrol company cars (bank): 0.182kg CO2/km (assumes emissions based on Euro III standard) (Vehicle Certification Agency [VCA] 2000).
Diesel company cars (bank): 0.12kg CO2/km (DETR, 2001).
Diesel FAP 307 (bank company cars): 0.138kg CO2/km (Peugeot, 2001).
Diesel FAP 406 (bank company cars):0.168kg CO2/km (Peugeot, 2001).
Diesel FAP 607 (bank company cars): 0.178kg CO2/km (Peugeot, 2002).
Diesel FAP 806 (bank company cars): 0.184kg CO2/km (Peugeot, 2001).
All hire cars and CIS car scheme cars: – calculated according to actual emissions of vehicles hired.
Petrol vans: 0.309kg CO2/km (Environmental Technology Support Unit [ETSU] 1996).
Diesel vans: 0.267kg CO2/km (ETSU, 1996).

Air, rail and freight.

Air: 0.11kg CO2/km (short haul flights) 0.18kg CO2/km (DETR Guidelines, 2001).
Rail: 0.06kg CO2/km (DETR Guidelines, 2001).
Freight mail: 31.35kg CO2/km per 1000 items of mail (Real Unit Environmental Cost [RUEC] Royal Mail, 2001).

2002 data sets.

Cars and vans.

Petrol employee cars (bank): 0.20kg CO2/km (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Diesel employee cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR, 2001).
Petrol company cars (bank): 0.182kg CO2/km (assumes emissions based on Euro III standard) (Vehicle Certification Agency [VCA] 2000).
Diesel company cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR, 2001).
Diesel FAP 307 (bank company cars): 0.138kg CO2/km (Peugeot, 2001).
Diesel FAP 406 (bank company cars): 0.168kg CO2/km (Peugeot, 2001).
Diesel FAP 607 (bank company cars): 0.178kg CO2/km (Peugeot, 2002).
Diesel FAP 806 (bank company cars): 0.184kg CO2/km (Peugeot, 2001).
All employee cars (CIS): 0.16kg CO2/km (average of petrol and diesel conversion factors).
All hire cars and CIS car scheme cars: – calculated according to actual emissions of vehicles hired.
Petrol vans: 0.309kg CO2/km (Environmental Technology Support Unit [ETSU] 1996).
Diesel vans: 0.267kg CO2/km (ETSU, 1996).

Air, rail and freight.

Air: 0.11kg CO2/km (short haul flights) 0.18kg CO2/km (long haul flights) (DETR Guidelines, 2001).
Rail: 0.06kg CO2/km (DETR Guidelines, 2001).
Freight mail: 31.35kg CO2/km per 1000 items of mail (Real Unit Environmental Cost [RUEC] Royal Mail, 2001).

2001 data sets.

Cars and vans.

Petrol employee cars (bank): 0.20kg CO2/km (Department of the Environment, Transport and the Regions [DETR] Guidelines for Company Reporting on Greenhouse Gas Emissions, 2001).
Diesel employee cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR, 2001).
Petrol company cars (bank): 0.182kg CO2/km (assumes emissions based on Euro III standard) (Vehicle Certification Agency [VCA] 2000).
Diesel company cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR, 2001).
Diesel FAP 307 (bank company cars): 0.138kg CO2/km (Peugeot, 2001).
Diesel FAP 406 (bank company cars): 0.168kg CO2/km (Peugeot, 2001).
Diesel FAP 806 (bank company cars): 0.184kg CO2/km (Peugeot, 2001).
Petrol hire cars (bank): 0.20kg CO2/km (DETR Guidelines, 2001).
All employee cars (CIS): 0.16kg CO2/km (average of petrol and diesel conversion factors).
CIS car scheme cars: – calculated according to actual emissions of each vehicle.
Petrol vans: 0.309kg CO2/km (Environmental Technology Support Unit [ETSU] 1996).
Diesel vans: 0.267kg CO2/km (ETSU, 1996).

Air, rail and freight.

Air: 0.11kg CO2/km (short haul flights) 0.18kg CO2/km (long haul flights) (DETR Guidelines, 2001).
Rail: 0.06kg CO2/km (DETR Guidelines, 2001).
Freight Mail: 31.35kg CO2/km per 1000 items of mail (Real Unit Environmental Cost [RUEC] Royal Mail, 2001).

2000 data sets.

Cars and vans.

Petrol employee cars (bank): 0.20kg CO2/km (DETR Guidelines, 1999).
Diesel employee cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR Guidelines, 1999).
Petrol company cars (bank): 0.182kg CO2/km (assumes emissions based on Euro III standard) (VCA, 2000).
Diesel company cars (bank): 0.12kg CO2/km (assumes small 2.0 litre) (DETR Guidelines, 1999).
Petrol hire cars (bank): 0.20kg CO2/km (DETR Guidelines, 1999).
Petrol vans (bank): 0.309kg CO2/km (ETSU, 1996).
Diesel vans (bank): 0.267kg CO2/km (ETSU, 1996).
All employee cars and car scheme cars (CIS): 0.16kg CO2/km (average of petrol and diesel conversion factors).

Air, rail and freight.

Air: 0.11kg CO2/km (short haul flights) 0.18kg CO2/km (long haul flights) (DETR Guidelines, 2001).
Rail: 0.06kg CO2/km (DETR Guidelines, 1999)
Freight mail: 31.25kg CO2/km per 1000 items of mail (RUEC, Royal Mail, 2000).

1999 (bank) data sets.

Petrol company cars: 0.198kg CO2/km (Peugeot, 2000).
Petrol employee cars: 0.20kg CO2/km (DETR Guidelines, 1999).
Diesel cars: 0.12kg CO2/km (assumes small 2.0 litre) (DETR Guidelines, 1999).

3.2 Transport: sulphur dioxide (SO2) emissions.

Cars.

2003 (all) and 2002 (bank) data sets.

Petrol cars: 0.006g SO2/km (National Atmospheric Emissions Inventory [NAEI] 2002, fleet weighted emissions*).
Diesel cars: 0.005g SO2/km (NAEI 2002, fleet weighted emissions).

2001 (bank) data sets.

Petrol cars: 0.006g SO2/km (National Atmospheric Emissions Inventory [NAEI] 2002, fleet weighted emissions*).
Diesel cars: 0.005g SO2/km (NAEI 2002, fleet weighted emissions).

2000 (bank) data sets.

Petrol cars: 0.013g SO2/km (NAEI 2002, fleet weighted emissions*).
Diesel cars: 0.005g SO2/km (NAEI 2002, fleet weighted emissions*).

*NAEI factors for petrol car sulphur dioxide emissions supplied by: Tim Murrells, National Atmospheric Emissions Inventory, AEA Technology Environment, 45 Culham, Abingdon, Oxon, OX14 3ED.

Air and rail.

All data sets.

Air: 0.6615g SO2/km (NETCEN 2002).
Rail: 0.1647g SO2/km (National Environmental Technology Council [NETCEN] 2002).

3.3 Transport: nitrogen oxide (NOx) emissions.

Cars.

2003 (all) and 2002 (bank) data sets.

Petrol employee cars: 0.564g NOx/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.331g NOx/km (NAEI 2002, fleet weighted emissions).
Petrol company cars (bank): weighted average emissions, 0.047g NOx/km; (VCA, 2001).
Diesel non-FAP company cars (bank): 0.331g NOx/km (NAEI 2002, fleet weighted emissions).
Diesel FAP 307 (bank company cars): 0.339g NOx/km (VCA, 2001).
Diesel FAP 406 (bank company cars): 0.348g NOx and hydrocarbons/km (VCA, 2001).
Diesel FAP 607 (bank company cars): 0.403 NOx and hydrocarbons/km (VCA, 2001).
Diesel FAP 806 (bank company cars): 0.403g NOx and hydrocarbons/km (VCA, 2001).
Petrol hire cars and CIS car scheme cars: 0.564g NOx/km (NAEI 2002, fleet weighted emissions).
Diesel hire cars and CIS car scheme cars: 0.331g NOx/km (NAEI 2002, fleet weighted emissions).

2001 (bank) data sets.

Petrol employee cars: 0.564g NOx/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.331g NOx/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: weighted average emissions, 0.0478g NOx/km; 0.0475g NOx/km; 0.0472g NOx/km; 0.046g NOx/km (VCA, 2001).
Diesel FAP 307: 0.339g NOx/km (VCA, 2001).
Diesel FAP 406: 0.348g NOx and hydrocarbons/km (VCA, 2001).
Diesel FAP 806: 0.403g NOx and hydrocarbons/km (VCA, 2001).
Petrol hire cars: 0.564g NOx/km (NAEI 2002, fleet weighted emissions).
Diesel hire cars: 0.358g NOx/km (NAEI 2002, fleet weighted emissions).

2000 (bank) data sets.

All petrol cars: 0.668g NOx/km (NAEI 2002, fleet weighted emissions).
All diesel cars: 0.358g NOx/km (NAEI 2002, fleet weighted emissions).

Air and rail.

All data sets.

Air: 0.58625g NOx/km (NETCEN, 2002).
Rail: 0.4842g NOx/km (NETCEN, 2002).

3.4 Transport: particulate emissions.

Cars.

2003 (all) and 2002 (bank) data sets.

Petrol employee cars: 0.0125g particulates/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.0511g particulates/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: 0.0007g particulates/km (assumes emissions based on Euro III standard) (NAEI 2002).
Diesel non-FAP company cars: 0.040g particulates/km (assumes emissions based on Euro III standard) (NAEI 2002).
Diesel FAP 307: 0.003g particulates/km (VCA, 2001).
Diesel FAP 406: 0.001g particulates/km (VCA, 2001).
Diesel FAP 607: 0.006g particulates/km (VCA, 2001).
Diesel FAP 806: 0.001g particulates/km (VCA, 2001).
Petrol hire cars: 0.0007g particulates/km (assumes emissions based on Euro III) (NAEI 2002).
Diesel hire cars: 0.040g particulates/km (assumes emissions based on Euro III) (NAEI 2002).

2001 (bank) data sets.

Petrol employee cars: 0.0125g particulates/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.0511g particulates/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: 0.0007g particulates/km (assumes emissions based on Euro III standard) (NAEI 2002).
Diesel non-FAP company cars: 0.040g particulates/km (assumes emissions based on Euro III standard) (NAEI 2002).
Diesel FAP 307: 0.003g particulates/km (VCA, 2001).
Diesel FAP 406: 0.001g particulates/km (VCA, 2001).
Diesel FAP 806: 0.001g particulates/km (VCA, 2001).
Petrol hire cars: 0.0007g particulates/km (assumes emissions based on Euro III) (NAEI 2002).

2000 (bank) data sets.

Petrol employee cars: 0.0131g particulates/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.0551g particulates/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: 0.0007g particulates/km (assumes emissions based on Euro II standard) (NAEI 2002).
Diesel company cars: 0.057g particulates/km (assumes emissions based on Euro II standard) (NAEI 2002).
Petrol hire cars: 0.0007g particulates/km (assumes emissions based on Euro II standard) (NAEI 2002).

Air and rail.

All data sets.

Air: particulate conversion factor not available.
Rail: 0.0383g particulates/km (NETCEN, 2002).

3.5 Transport: volatile organic (VOC) emissions.

Cars.

2003 (all) and 2002 (bank) data sets.

Petrol employee cars: 0.425g VOC/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.053g VOC/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: weighted average emissions 0.064g VOC/km (VCA, 2001).
Diesel non-FAP company cars: 0.053g VOC/km (NAEI 2002, fleet weighted emissions).
Diesel FAP 307: 0.030g VOC/km (VCA, 2001).
Petrol hire cars: 0.425g VOC/km (NAEI 2002, fleet weighted emissions).
Diesel hire cars: 0.53g VOC/km (NAEI 2002, fleet weighted emissions).

2001 (bank) data sets.

Petrol employee and hire cars: 0.425g VOC/km (NAEI 2002, fleet weighted emissions).
Diesel employee cars: 0.053g VOC/km (NAEI 2002, fleet weighted emissions).
Petrol company cars: weighted average emissions 0.0645g VOC/km; 0.0642g VOC/km; 0.0640g VOC/km; 0.063g VOC/km (VCA, 2001).
Diesel FAP 307: 0.030g VOC/km (VCA, 2001).

2000 (bank) data sets.

All petrol cars: 0.523g VOC/km (NAEI 2002, fleet weighted emissions).
All diesel cars: 0.059g VOC/km (NAEI 2002, fleet weighted emissions).

Air and rail.

All data sets.

Air: 0.03705g VOC/km (NETCEN, 2002).
Rail: 0.0637g VOC/km (NETCEN, 2002).

Follow this link to the transport datasets