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CIS - Co-operative Insurance: UK assurance, mortgages, pensions
The Co-operative Bank : Customer Led, Ethically Guided
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Co-operative Financial Services Sustainability Report 2003
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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
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Paper and
printing

Suppliers Society

85. Paper and printing


Targets 2003

  • Switch all bank cheque and paying-in books to paper containing 33% recycled content. Target achieved
  • Evidence progress in the removal of 'toxic' chemicals from bank third party printing activities.  Target not achieved
  • Begin to address the number of printed copies of electronic messages at the bank. Target not achieved
  • Increase the proportion of remanufactured toner cartridges purchased by the bank by 3%. Target not achieved

Targets 2004

  • Begin to address the number of printed copies of electronic messages and other information. Liz Thompson, Environment Adviser
  • Increase the use of ecologically-sound paper in all three priority areas. Keith Boardman, Printing and Stationery Manager/Liz Thompson, Environment Adviser
  • Evidence progress in the removal of 'toxic' chemicals from third party printing activities.Keith Boardman, Printing and Stationery Manager/Sarah Hunt, Environment Manager

Commentary

Background Global paper demand - the single largest use of wood fibre - has increased five-fold since the 1950s, and is expected to double again over the next 50 years.i Printing is the UK's sixth largest manufacturing industry, but has the lowest take up of environmental policies of any major business sector.ii CFS aims to use an increasing proportion of recycled and totally chlorine-free paper.iii Where virgin paper is used, Forestry Stewardship Council (FSC) certified sources will be prioritised. In 2003, CFS devised a list of challenging objectives, which it considers to be both SMART and consistent with The Natural Step. Follow this link for details of SMART objectives. These are to phase out OSPAR chemicals, increase the use of vegetable oil-based inks, and reduce water use by adopting waterless print processes. Details of OSPAR chemicals can be found here.

Context The bank has monitored paper consumption across a broad range of areas since 1997. CIS' accounting systems began in 2000, but were restricted to in-house print operations. As presented below,  all printing activity for CIS is now accounted for, including third-party commissions (such as marketing and sales literature). This has resulted in a substantial increase in CIS' declared paper consumption.

Paper volume - Bank Compared with 2002, paper purchased per customer account has increased substantially (27%) predominantly due to increased cross-sales activity, which now accounts for 226 tonnes of paper. Less acceptably, printer and copier paper use has increased by more than 50 tonnes during 2003 (a 73% increase since 1998); it is evident that measures to reduce the number of printed copies of electronic messages have not succeeded. The planned introduction of double sided print and copy facilities across CFS has not yet contributed to a reduction in paper use; in part, due to a delay in connecting multi-function devices to the network. In 2004, CFS will recommit to this target, and seek to improve access to, and awareness of, facilities such as double sided printing and electronic data storage.
Paper volume - CIS CIS' accounting systems have now been extended to capture total paper use. This results in a significant increase in declared paper consumption and makes year-on-year analysis difficult.

Paper type - Bank The proportion of totally chlorine-free paper used by the bank decreased by 6.7% during 2003. Recycled paper use fell by 5.2%, and use of 100% post-consumer waste recycled paper decreased by 3.9%. These negative developments principally followed from the increased usage of ecologically-poor quality papers in marketing literature. More positively, during 2003, cheque and paying-in books for all products switched to paper with a minimum of 33% recycled content.
Paper type - CIS During 2003, accounting systems were established for the use of totally chlorine-free paper, paper with a recycled content and 100% post-consumer waste recycled paper. There is significant room for improvement in the use of ecologically-sound paper at CIS. This will be addressed as a priority.

Printing 88% of all paper use is associated with external printing contracts, the vast majority of which utilise a lithographic process. In a first for CFS, the 2003 Sustainability Report and the CIS and bank Financial Statements have been printed using vegetable oil-based inks. Research conducted by the bank (in respect of third party printing) and by CIS (in respect of in-house printing) has highlighted a lack of accurate product composition information in records held by printing suppliers. This has caused significant difficulties when seeking to identify the presence of toxic substances. CFS will continue working with ink and varnish producers to identify toxic substances for priority phase-out during 2004.

Toner cartridges There has been a reduction in remanufactured toner cartridge use at the bank. This has resulted from a combination of product failure (toner leakage) and restricted product availability. CFS is working with Cygma Manufacturing Limited, a supplier of remanufactured cartridges, to resolve this issue.  Historically, CIS monitored the purchase of remanufactured toner cartridges only. This year, the accounting system has been extended to capture the total number of toner cartridges purchased. During 2003, purchase of remanufactured toner cartridges at CIS decreased by 12%.

 By comparison, according to their Sustainability Report 2002, at Credit Suisse Group, paper consumption per employee is 191 kg (cf. 314 kg across CFS). The Credit Suisse Group Report does not mention printing.

Sustainability value analysis

  • Additional annual cost associated with utilisation of preferred ecologically-sound paper across CFS, £61,000.
  • Annualised saving resulting from switch to remanufactured toner cartridges across CFS, £121,400.

Influence and action

Direct mail During a meeting with Elliot Morley MP, UK Environment Minister, in September 2003, CFS expressed support for a new Code of Conduct for Direct Mail. The Code aims to tackle resource use, recycling, and the removal of toxic substances from direct mailings.iv

i Forests For Life (2001). WWF.
ii Green Futures (January/February 2002).
iii www.cfs.co.uk/sustainability2003/paper
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iv www.dma.org.uk/environment
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Performance

Type of paper purchased
The graph shows the percentage of the type of paper purchased that is totally chlorine free, recycled and recycled (100% post consumer waste). In 2003, totally chlorine free paper purchased by the bank amounted to 70.1 percent and 30.5 per cent by the CIS.  Corresponding numbers for previous years for the bank are: 2002 – 76.8 percent, 2001 – 79.8 percent, 2000 - 78.1 percent, 1999 – 72 percent and 1998 - 49.7 percent.  2002 to 1998 – Figures not available for CIS. In 2003, recycled paper purchased by the bank amounted to 48.6 percent and 14.3 percent by the CIS.  Corresponding numbers for previous years for the bank are: 2002 – 53.8 percent, 2001 – 44.6 percent, 2000 - 43.3 percent, 1999 – 32 percent and 1998 - 19.7 percent.  2002 to 1998 – Figures not available for CIS.  In 2003 recycled (100% post consumer waste) paper purchased by the bank was 34.5 percent and 10.6 percent by the CIS. Corresponding numbers for previous years for the bank are: 2002 – 38.4 percent, 2001 – 32.9 percent, 2000 - 37.5 percent, 1999  - 24 percent and 1998 - 13.4 percent.  2002 to 1998 – Figures not available for CIS.  Source: Sustainable Development Team 2004.

Paper purchased
The graph shows the total amount of paper purchased in tonnes and paper purchased per customer account in kilograms. Total amount of paper purchased in tonnes.  In 2003, the total amount of paper purchased by the bank was 1,972 and 2,416 by the CIS, a total of 4,388 tonnes for CFS. In 2002 this was 1,479 tonnes by the bank and 1,108 tonnes by the CIS.  In 2001 this was 1,697 tonnes by the bank and 1,188 tonnes by the CIS.  In 2000 this was 1,587 tonnes by the bank, figures not available for CIS.  In 1999 this was 1,686 tonnes by the bank, figures not available for CIS.  In 1998 this was 1,666 tonnes by the bank, figures not available for CIS.  Paper purchased per customer account in kilograms.  In 2003, for the bank this was 0.62 kilograms.  Corresponding figures for the bank for previous years are: 2002 – 0.49, 2001 – 0.57, 2000 – 0.55, 1999 – 0.65 and 1998 – 0.74. In 2003, for the CIS this was 0.30 kilograms. Corresponding figures for the CIS for the years 2002 to 1998 are not available.  Source: Sustainable Development Team 2004.

Print process utilised by third party contracts, 2003
The graph shows the print process utilised by third party contractors for 2003 divided into lithographic, flexographic and other printing (such as screen and impact). In 2003, lithographic printing represented 91.5 percent for the bank and 93.9 percent for the CIS. In 2003, flexographic printing represented 7.7 percent for the bank and 2.6 percent for the CIS. In 2003, other printing (such as screen and impact) represented 0.8 percent for the bank and 3.5 percent for the CIS.  Source: Sustainable Development Team 2004.

Toner cartridges
The graph shows the number of remanufactured and virgin toner cartridges purchased. In 2003, 66 percent of remanufactured toner cartridges and 34 percent of virgin toner cartridges were purchased by the bank, from a total of 3,212.  In 2003, 32 percent of remanufactured toner cartridges and 68 percent of virgin toner cartridges were purchased by the CIS, from a total of 3,455.  In 2002, 79 percent of remanufactured toner cartridges and 21 percent of virgin toner cartridges were purchased by the bank, from a total of 2,492.  2002 – Figures not available for CIS.  Source: Sustainable Development Team 2004.

v Paper manufactured using a totally chlorine-free process.
vi Paper containing minimum 50% recycled content.
vii CIS data from 2000 to 2002 does not include third party commissions (such as some sales and marketing literature). As such, a CFS total is not stated.
viii Includes 925 tonnes relating to in-house paper purchase.

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Assurance on the data and commentary detailed within this Report is provided by justassurance, in accordance with the AA1000 Assurance Standard. Follow this link for the auditors' assurance statement