CFS reports against 87 indicators. These cover the areas of Sustainability Management, Delivering Value, Social Responsibility and Ecological Responsibility. Of the 77 targets set by the bank in 2003, 40 have been fully achieved, acceptable progress has been made against 22 and the bank has not yet achieved 15. Of the nine targets set by CIS in 2003, three have been fully achieved, acceptable progress has been made against five and CIS has not yet achieved one. CFS has committed to more than 60 targets for 2004 and beyond.

Indicators are derived from one of three sources:

Partner - indicators derived via consultation with Partners, and based on their stated priorities
Strategy - 'leadership' indicators derived from CFS' business strategy
Standard - indicators derived from various emerging ethical and sustainability standards and guidelines. Follow this link for further details of standards followed.

No.	Section	Indicator	Derivation	Partners impacted
1		Sustainability governance and management	Strategy \| Standard	Owners \| Customers \| Staff \| Suppliers \| Society
Delivering value
No.	Section	Indicator	Derivation	Partners impacted
2	Financial performance	Profit	Partner \| Strategy	Owners \| Staff \| Society \| Co-operative movement
3		Income	Partner \| Strategy
4		Cost/Income ratio (Bank)	Partner \| Strategy
5		Average retail balances (Bank)	Partner \| Strategy
6		Return on equity (Bank)	Partner \| Strategy
7		Insurance funds under management (CIS)	Partner \| Strategy
8		Sustainability value analysis	Strategy
9		Wealth creation	Standard
10	Personal customers	Social inclusion	Partner	Customers \| Society
11		Satisfaction with service	Partner
12		Satisfaction with relationship	Partner
13		Satisfaction with ethics & sustainability	Partner \| Strategy
14		Complaints	Standard
15		Network developments	Standard
16	Corporate and business customers	Social inclusion	Strategy	Customers \| Society
17		Satisfaction with service & relationship	Partner
18		Satisfaction with ethics & sustainability	Partner \| Strategy
19		Network developments	Strategy \| Standard
20	Staff	Salary package	Partner	Staff \| Society \| Co-operative movement
21		Staff turnover	Standard
22		Trades union recognition	Standard
23		Personal development & career opportunities	Partner
24		Working environment	Partner
25		Job security	Partner
26		Work/life balance	Standard
27		Communication	Standard
28		Co-operative culture & ethical conduct	Partner \| Strategy
29	Suppliers	Prompt payment	Partner	Suppliers
30		Satisfaction with relationship	Partner
31		Fair treatment	Partner
32		Effective communication	Partner
33		Long-term relationship	Strategy
34	Co-operative movement	Co-operation among co-operatives	Standard	Owners \| Customers \| Co-operative movement
Social responsibility
No.	Section	Indicator	Derivation	Partners impacted
35	Ethical finance	Ethical & sustainability screening	Partner \| Strategy	Customers \| Society \| Co-operative movement
36		Responsible shareholding	Partner \| Strategy
37		Anti-money laundering & financial crime prevention	Standard
38	Human rights	Oppression	Partner	Customers \| Society \| Co-operative movement
39		Labour standards	Partner
40		The arms trade	Partner
41		Globalisation and equity	Partner
42	Animal welfare	Animal testing	Partner	Customers \| Society \| Co-operative movement
43		Intensive farming	Partner
44		Blood sports	Partner
45		The fur trade	Partner
46	Finance	Tailored ethical products & services	Standard	Customers \| Society \| Co-operative movement
47	Suppliers	Ethical & sustainability screening	Partner \| Strategy	Suppliers \| Society
48		Attitudes towards ethical & sustainability policies	Partner	Suppliers \| Society
49	Diversity (staff)	Gender	Standard	Customers \| Staff \| Society
50		Ethnicity	Standard
51		Disability	Standard
52		Age	Standard
53	Diversity (customers)	Access to products & services – disability	Standard	Customers \| Staff \| Society
54		Access to premises – disability	Standard
55	Health, safety & welfare	Significant risks	Standard	Customers \| Staff \| Society
56		Accidents/incidents	Standard
57		Absence	Standard
58		Well-being	Standard
59	Community investment	Impact on society	Standard	Customers \| Staff \| Suppliers \| Society \| Co-operative movement
60		Financial support	Standard
61		Customer involvement	Standard
62		Staff involvement	Partner \| Standard
Ecological responsibility
No.	Section	Indicator	Derivation	Partners impacted
63	Energy	Carbon dioxide emissions	Standard	Suppliers \| Society
64		Sulphur dioxide emissions	Standard
65		Nitrogen oxide emissions	Standard
66		Particulate emissions	Standard
67		Volatile organic compound emissions	Standard
68		Energy usage	Standard
69	Water	Water consumption and discharge	Standard	Suppliers \| Society
70	Chemicals	Toxics	Standard	Customers \| Staff \| Suppliers \| Society
71		CFCs/HCFCs/HFCs	Standard
72		PVC	Standard
73	Transport	Business mileage	Standard	Staff \| Suppliers \| Society
74		Carbon dioxide emissions	Standard
75		Sulphur dioxide emissions	Standard
76		Nitrogen oxide emissions	Standard
77		Particulate emissions	Standard
78		Volatile organic compound emissions	Standard
79	Finance	Tailored ecological products & services	Standard	Customers \| Staff \| Society
80	Reduce, reuse, repair and recycle	General	Standard	Staff \|Suppliers \| Society
81		Paper	Standard
82		Furniture	Standard
83		Electrical equipment	Standard
84		Other	Standard
85	Paper & printing	Paper & printing	Standard	Suppliers \| Staff \| Society
86	Biodiversity	Biodiversity	Standard	Society \| Customers \| Staff
87		Land occupied	Standard

Continue to: Sustainability, governance and management

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

Indicators

Delivering value

Social responsibility

Ecological responsibility