Corporate Social Responsibility
Introduction from Srini Gopalan, Managing Director, Europe
Our approach to Corporate Social Responsibility (or CSR for short) is all about 'doing the right thing', whether it is for
our customers, our associates, our communities or our environment.
It covers a wide range of topics including such areas as responsible lending, providing a great place to work, and involvement
in our local communities.
There are many reasons for wanting to focus our attention on CSR. From an ethical standpoint, we want to make sure that our
policies and practices are sound and that they have a positive impact on all our stakeholders. We know that our customers
and our associates expect us to behave in an ethical manner and that our reputation is at risk if we do not consider the wider
implications of our actions. And from a business perspective, we want to make sure that we continue to attract and retain
both customers and associates and maintain our reputation in the marketplace.
As a mark of our commitment to CSR, we have a number of sound policies and practices in the areas of Workplace, Community,
Marketplace and Environment, but we know that we can continue to improve our practices in the future.
I hope that you find our A-Z of Corporate Social Responsibility open and helpful and that it provides an insight into our
achievements as well as the challenges that we face in our area of business.
Thank you,
Srini Gopalan, Managing Director, Europe
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CSR Governance
We take Corporate Social Responsibility (CSR) seriously and this commitment is driven from the very top.
We have a team of skilled subject matter experts to make sure that we drive the programme forward, but we have a commitment
that CSR will not be a stand-alone programme; it will become embedded in all our business practices. It is essential that
all our business forums examine their practices from a CSR perspective and put plans into place to improve.
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Workplace
Awards
We want to be a special place to work, and we are delighted that we have received external recognition for our people policies.
We have appeared in both the Sunday Times Best Places to Work and the
Financial Times Best Work Places every year since the awards began.
These awards are based upon a combination of feedback from our own associates and an appraisal of our policies and approach.
In addition to these, we have received a number of community awards, including BiTC Big Tick 2004 & 2005, BiTC Award for Excellence
- Community Involvement 2001, BiTC Certificate of Commendation 2003, 'Sunday Times Best Companies to Work - Employee Community
Involvement' 2002, Variety Club Midlands Business Award - Community Involvement 2002.
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Diversity
When it comes to the people we employ, we want to make sure that they are representative of our
community and our customer base. Whilst we have made a great start in this area, we recognise that there is room for improvement.
As such we are working with our recruitment agencies, advertisers, and specialist organisations e.g. Job Centre Plus and the
Employers' Forum on Disability to develop a
comprehensive Diversity Plan.
We have made numerous changes to our selection process that has improved our prospects of
employing a more diverse workforce from a broader pool of talent.
We are also reviewing the benefits and support that we give to associates to ensure that it reflects the diversity of our
workforce. As part of this review we will be conducting focus groups to ensure that any changes are in line with the needs
of our associates.
Diversity focus:
- Age
- Disability
- Gender
- Ethnic background
Age
Call centres have a 'young person' image, so we have focused on attracting more mature candidates into our call centre by
updating our promotional literature and using existing, mature associates in our
selection process to explain to candidates what working for Capital One is like for them. We are also partnering with a local
college to attract potential older associates.
We send out detailed examples of our testing procedure ahead of the interview date, so more mature applicants who may not
have taken a test for a long time have a chance to become familiar with the test and therefore have an equal chance to perform
well.
Disability
We support associates with disabilities, and our offices in Nottingham and London have full disabled access. We also ensure
that off site events have access for disabled associates and we provide appropriate transport for associates who may have
difficulty in attending via other means.
Associates are assessed for their particular needs, and we work with Job Centre Plus and our IT and corporate real estate
department to ensure that any associates with special furniture and equipment requirements have everything they need.
We are working with Scope on their Leadership Development programme for disabled.
Gender
To support the professional enhancement of women, focus Groups have been undertaken with a cross section of the senior management
group to probe the dynamics and business factors that influence our working environment. Interviews were also conducted to
gain the perspective of those managers who have long-term responsibility for the future success of our company, which included
views on perceived gender barriers. The combined result is that we now have a greater insight than ever before into senior
women's views on advancement, mentoring, what is deemed as 'value' in the workplace and their perceptions on work/life balance.
Therefore, going forward we will ensure that we can focus on development activities that are aligned with women's expectations.
Our ongoing analysis points to there being no discernable gender pay gap. We regularly undertake an impact analysis to review
the differences between men and women in various aspects of working life, including performance ratings and pay. As part of
our annual performance review process, we also
monitor promotion rates. This practice ensures we can monitor any differences if they arise and prevent a gender pay gap.
Ethnic Background
We are working with our recruitment agencies and advertisers to ensure that our people from all ethnic backgrounds will see
Capital One as a great place to work.
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Employee Consultation
The opinion of our associates is important to us and is captured in a number of ways, ranging from associate surveys to forums
where associates can speak directly with their European Leadership Team representative.
Twice a year every associate across the whole of Capital One globally takes part in an online survey, which gathers their
views on a wide range of topics from satisfaction with pay and conditions to how proud they feel about working for Capital
One. The results of the survey are taken seriously and are used to drive change and improvement for the business.
We also have an Associate Partnership, a cross-functional body that has representatives from each of our departmental areas
and levels.
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Ethics
Here at Capital One we've worked hard to ensure that both as a company, and as individuals, we act responsibly and are mindful
of what is right and wrong. Each associate has a duty to behave ethically so that we may protect our reputation, safeguard
Capital One's brand and operate in a work environment where we respect the needs and feelings of others.
We are actively encouraged to challenge the behaviour of associates who are not behaving ethically, and have a 24 hour ethics
hotline to raise concerns about ethics violations.
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Facilities
Capital One has great facilities for its associates, including on-site restaurants, Starbucks coffee bars, games rooms, a
shop, dry cleaning service, free vending machine drinks, photo-processing and more.
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Family Friendly Policies
In order to support the needs of an increasingly diverse workforce we offer all associates - not just those with children
under six - the opportunity to request a change of hours to better suit their lifestyle.
Maintaining a positive work/life balance is emphasised at Capital One. To support our associates in their home responsibilities,
we provide three family care days per annum that can be taken at 30 minutes notice to care for children, elderly relatives
or any other family commitment. We also offer associates flexibility by allowing them up to four emergency holiday days, so
that crises such as burst pipes, broken windows and essential maintenance can be taken care of. This relieves the stress of
trying to balance a demanding work life with general responsibilities of maintaining a home.
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Food
Food is an important part of life at Capital One headquarters with a great range of meals and snacks cooked on-site by our
award winning chef. You really would never have to eat anywhere else, as food is available from breakfast to dinner!
The restaurant is always improving its selection, which includes low fat and Halal options, and the chef is currently looking
at increasing the number of Fair Trade and Organic options.
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Forest
Nottingham Forest fans could not fail to have noticed that Capital One are the new team sponsors.
The sponsorship is part of our commitment to support the area in which we are based and it provides great benefits for our
associates, including free tickets, player appearances and the opportunity to use the ground for a day for our associates
and their families and the people of Nottingham .
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Health Care
Every Capital One associate has free medical health insurance to cover themselves and in some cases their families. Anyone
wanting to extend that cover to include other members of their family can do so at specially negotiated rates.
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Job Creation
As one of Nottingham's major employers, employing approximately 2000 people, Capital One has brought new jobs to the area
and has attracted associates from the surrounding area. As our European headquarters are based in the city we employ people
with a wide range of skills from Customer Service to Finance and HR.
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Maternity
Capital One offers enhanced maternity leave with ten weeks at 100% pay, six weeks at 90% pay, and ten weeks at Standard Maternity
Pay.
We also offer support to fathers and adoptive parents.
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Values
We have two key values: 'Excellence' and 'Do the right thing'.
Accompanying these is a range of attributes and behaviours that we are encouraging our associates to live and breathe in their
approach to working at Capital One.
The key message is that our Values are at the heart of everything we do. If every associate subscribes to and lives these
Values, we will provide a working environment that benefits our associates and enables us to provide our customers with a
great service.
Values are central to our success. Within Capital One, personal ownership of the Values has helped differentiate our culture.
The Values are built into our performance management process and each
associate is measured 50% on objectives and 50% on competences/values. This way we are building the values into the DNA of
the business.
Our Values will serve as our beacons and a way to measure our success as Capital One continues to evolve.
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Work Life Balance
At Capital One our associates have many reasons for wanting to ensure that they have the right balance in their lives. Over
a third of our associates have family responsibilities, either children or elderly
dependants or both. We provide support for them through our flexible working policies, through our private medical insurance
and through the availability of a service which helps them with advice and support on a range of work/life balance related
matters.
Bridging the gap between home and work life, last year we expanded our 'Bring Your Kids to Work Day' from two to four events
and introduced a 'Bring Your Parents to Work Day', where more than 50 parents visited our offices to learn more about our
operations and see our facilities. We even had some potential recruitment candidates as a result of the day.
Held during school holidays, the 'Bring Your Kids to Work' events provide a structured programme of activities for associates'
children based on age. Around 300 children took part in activities ranging from creating their own credit card design to having
their own exclusive tour of the Nottingham Forest football stadium.
Our associates also have commitments to their communities and we support this by giving them paid time off to take part in
community based activities and also support them with grants to the groups that they support if they contribute over 50 hours
a year.
Finally, many of our associates have chosen to start or continue their studies using our Educational
Assistance programme.
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Market Place
The Banking Code
The Banking Code is a voluntary code which sets standards of good banking practice for financial
institutions to follow when they are dealing with personal customers in the UK.
The Code is monitored by the Banking Code Standards Board whose directors include a majority of independent members as well
as representatives of financial institutions. Their address is:
Banking Code Standards Board
Level 12 City Tower,
40 Basinghall Street,
London
EC2V 5DE
Phone: 0845 2309694
If you would like further information about the Banking Code please visit their website at www.bankingcode.org.uk. A copy of the banking code is available upon request.
Please call 08458 400 400* for your copy.
*Please note, calls to 0845 numbers will be charged at local rate. The cost will vary depending on your service provider.
Calls may be recorded/monitored for training purposes.
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The Credit Services Association (CSA)
Capital One is an affiliate member of the CSA. The CSA are dedicated to upholding the highest professional standards with
the Trade Protection industry. If you would like further information about the CSA please visit their website at www.csa-uk.com/csa
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Debt Buyers & Sellers Group (DBSG)
Capital One is a member of the DBSG, and abide by the association's Code of Conduct. To find out more about the DBSG please
visit their website http://www.dbsg-uk.com/dbsg/
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Direct Marketing Association (DMA)
Capital One is a member of the Direct Marketing Association (DMA) and operates within the rules of the DMA's Code of Practice,
which sets standards of ethical conduct and best practice. To find out more about the DMA, please visit www.dma.org.uk
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Charges
In line with other credit card companies we do make charges to our customers who go over their credit limit, make a late payment,
have a payment returned, or having a credit card cheque returned unpaid. However, we critically review our policies on these
charges from a customer perspective to ensure that they are fair and clear.
Along with their new Capital One card, a customer receives supporting information known as a welcome pack. This pack contains
a section which advises customers on the best way to manage their account in order to avoid these charges.
Any charges made on an account are clearly displayed on the customer's credit card statement.
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Credit Reference Agencies
Responsible lending is important to us. To help us to process our customers' applications, we use
information from Experian and/or Equifax, the two major credit reference agencies in the UK. They supply us with information
about potential customers' credit history, which helps us to determine the level of affordable credit we should offer our
customers.
This information is gained only with the permission of the potential customer.
If you would like to check the information held about you by the credit reference agencies, you can do this by writing to
them. They will need the addresses you have lived at over the last 6 years, and a cheque for £2.00 made payable to Experian
or Equifax depending on which you choose to contact. Send these to: Experian, Consumer Help Services, PO Box 8000, Nottingham,
NG1 5GX, or, Equifax Europe,
Department 1E, PO Box 3001, Glasgow, G81 2DT
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Customer
We are committed to putting the customer at the heart of everything that we do.
Significant new products and services, or changes to the products and services that we offer, are reviewed with 'customers'
eyes' by a group of the most senior managers from across the organisation (Vice President and Director level). This group,
known as the Corporate Reputation Committee, ensures that our products are fair and in the best interests of our customers.
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Debt
As a consumer finance provider, we go to great lengths to make sure that we lend responsibly. However, it is the nature of
our business that some of our customers may find themselves with changed
circumstances which mean that they are unable to make repayments. We work directly with our
customers to understand the reasons why they are having difficulties and help them to resolve these problems. We will work
with our customers to enable them to repay what they owe in manageable way. We also have a specialist department to give additional
support to customers who may be experiencing particularly difficult circumstances such as bereavement and illness.
If you are a Capital One customer and you are having difficulty making repayments please contact us on 0800 952 4966.
If you would like more help to manage your finances, avoid or manage debt you can receive this from Capital One or other organisations
you may owe money to. Alternatively there are a number of agencies that can give you independent free help and advice.
Citizens Advice Bureau - for your local office see the Yellow Pages
Consumer Credit Counselling Service (CCCS) - 0800 1381111
Payplan - 0800 716239
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Debt Management Agencies
See Third Party Debt Management Agencies
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Direct Mail
Like many companies, Capital One does use direct mail to market our products and services. We are aware of the environmental
impact of this, so have ensured that the paper used in our direct mail is made from sustainable resources. Our print buyer
has personally visited the paper plants to ensure that they are environmentally responsible.
Along with other companies that use direct mail, Capital One supports the Mailing Preference Service. The Mailing Preference
Service enables people to remove their name from the lists that are used by companies who send out offers to consumers via
direct mail.
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Financial Inclusion
Having a credit card enables you to do so much more than spread the cost of your purchases. It opens up many possibilities
such as taking advantage of offers available to Internet customers only, on-line
shopping, and purchases over the phone.
As financial products become more sophisticated and areas such as Internet shopping keep increasing in popularity, we feel
that we have a responsibility to make sure that financial products are available to as wide a population as possible, whilst
still taking account of responsible lending.
At Capital One we have what is known as an Information Based Strategy, which uses technology and information to ensure that
we are offering as many customers as possible a credit card, with a credit limit that they can afford to manage.
To make sure that we offer our products responsibly we make sure that all of our customer literature is written in plain English
and we enclose information to educate our customers on how to use their credit card and how to avoid paying charges. We have
reviewed our statements and letters to make sure that they are refreshingly clear.
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Listening to Our Customers
Associates at all levels of the business are encouraged to undertake regular customer listening as part of our 'Listen Up!'
initiative. Associates from across the business sit with a call centre associate and listen to customer calls. This helps
associates to sharpen their focus on what our business is about, namely the customer, but it also helps to identify improvements
that can be made to the support we give or customers and call centre associates.
At Capital One we take any complaint that we receive from a customer seriously. Complaints are
investigated and answered personally. The causes of complaints are analysed and reviewed at a senior level within the company,
and improvements are made to our systems, processes and procedures if they are found to be at fault.
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Mailing Preference Service
Along with other companies that use direct mail, Capital One supports the Mailing Preference Service. The Mailing Preference
Service enables people to remove their name from the lists that are used by companies who send out offers to consumers via
direct mail.
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Money Advice Trust (MAT)
As part of our current focus on over indebtedness we now donate £10K per annum to the Money Advice Trust (MAT), an organisation
dedicated to improving debt management services in the UK. In 2004, this donation will be put towards the development of the
MAT's new debt advice 'catalyst for change strategy' which aims to improve the availability and quality of debt advice by
finding ways for the sector to operate more effectively.
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Rebuilding Credit
When a potential customer applies for credit, the decision whether to lend to them is made based upon our assessment of their
how much they can repay. Part of this assessment is made by checking with a Credit Reference Agency. Some people may have
a poor credit history for a variety of reasons including County Court Judgements, a lack of history of borrowing in the past
or missing data.
Capital One has a range of credit cards with different credit limits, which may enable customers to rebuild their credit history
by starting off with a relatively low credit limit. By making regular repayments and by not going over the agreed credit limit,
customers can begin to rebuild their credit history which means that they may become more attractive to other finance providers
such as mortgage lenders.
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Third Party Debt Management Agencies
There are a number of fee paying debt management agencies, often referred to as Third Party Debt Management Agencies. These
are companies who will charge a fee to manage the debts of a person who has got into difficulty making repayments to a number
of organisations.
Capital One to works with customers directly if they have fallen behind with repayments or if changed circumstances mean that
they will be unable to make the minimum repayment.
Customers who choose to use a Third Party Debt Management agency should always check the small print thoroughly to be aware
of any additional fees they may be charged. They should also check the amount of repayment that is going to each organisation
to ensure that the original loan/ credit is being paid off at a level that they are satisfied with.
There are a number of organisations that can give you free help and advice if you are in debt, including the organisations
that you owe money to, so it is worth considering them before paying for help.
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Community
Community Strategy
Capital One's Community strategy is focused on supporting looked after, disabled or disadvantaged children within our local
areas. Our culture nurtures the talents of our associates by creating learning and development opportunities and extending
this philosophy to support the cities in which we live, work and thrive in is second nature to Capital One. Through our community
initiatives we aim to make a real difference to the life experiences, education and aspirations of children in our local communities
in both the short and long term through financial education and sports partnerships.
We take time to learn all we can about our communities and work proactively with the major public, private and voluntary organisations
to identify the areas of greatest need and then develop and champion projects and partnerships to address that need.
Our partners include:
- Scope
- Business In The Community
- Notts County Football in the Community
- Nottingham City Council
- BBC Children In Need
- Macmillan Cancer Relief
- Whizz Kidz
- Young Enterprise
- …and many more.
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Applying for community support
As we work proactively with community partners and agencies to identify and develop projects
addressing the key social issues affecting Nottingham, we have already allocated most of our funding for 2005, and will only
consider requests that closely fit our strategy.
Apart from money, is there any other support I could apply for?
Capital One takes part in a programme of community team challenges. You could make a request for a team of between 5 -20 people
to undertake a 1 day community challenge for your organisation. We are particularly interested in challenges that would support
children and young people who are most at risk of getting into drugs and crime.
Examples of community challenges previously undertaken
- Painting and decorating at inner city schools
- Conservation work in Bestwood Country Park
- Painting murals in schools and community groups
If you have an idea for a community team challenge please contact us at
Community Relations
Capital One
Station Street
Nottingham
NG2 3HX
Do you sponsor fund raising events?
As a general rule, we would only consider the sponsorship of a fundraising event, if the amount of money you expect to be
raise is at least three times the cost of the sponsorship, and meets our focus of
supporting the children and young people who are most at risk of getting involved in drugs and crime
in Nottingham.
Are there any things that Capital One does not support?
Capital One will only consider requests that fit our focus of supporting the children and young people who are most at risk
of getting involved in drugs and crime in Nottingham.
We do not sponsor:
- advertisements in publications
- sponsorship for individuals
My project does not fit your criteria for support. Could you recommend any other sources of funding?
In your search for funds you may find it helpful to look at the following publications, Hollis Sponsorship and Donations Yearbook
and the Directory of Social Change Grant Making Trust publications. These books will give you an indication of type of projects
companies and charities will support and can be found in most main libraries.
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Awards
Capital One takes great pride in its involvement in the community. We seek to make a real and long-term difference to communities
in and around our areas of operation. To us making a difference means more than just writing a cheque for a good cause. It
means making a real commitment and getting involved through a combination of financial and in-kind giving, enthusiastic volunteering
support from Capital One associates and collaborations with community partners. This commitment has been recognised nationally
with Capital One receiving a number of community awards, including
- BiTC Big Tick 2004 & 2005
- BiTC Certificate of Commendation 2003
- Variety Club Midlands Business Award - Community Involvement 2002
- Sunday Times Best Companies to Work - Employee Community Involvement 2002
- BiTC Award for Excellence - Community Involvement 2001
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Business in The Community
We are members of Business in the Community Percent Club, which means we donate over 1% of our pre-tax profits to charity.
We also take an active part in Nottinghamshire Cares, a BiTC initiative with the aim of increasing the amount of volunteering
undertaken by local companies. We have representatives on the operations, leadership and regional boards of Cares.
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Statement from our Chairman and CEO
'We have an obligation to make our communities stronger and to share our knowledge with people so they can make a better way
for themselves.'
Richard Fairbank, Chairman and Chief Executive Officer, Capital One
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Volunteering
All of our 2,500 + associates can take one day away from work each year to take part in a team
community activity.
The work of our associates can be seen across Nottinghamshire and includes brightly painted corridors and murals in a number
of local schools, a sensory garden at the Nottingham Royal Society for the Blind and a playground at Crocus Fields, a centre
for special needs children.
In addition many of our associates use their business skills to support our community partners.
The benefits have included:
- the development of a computer system for the child abuse investigation unit of Nottinghamshire
Police
- the design of marketing material aimed at encouraging people to adopt or foster a child with
special needs
- an education package to be used by students studying Information Technology at GCSE level
- the installation of computer equipment at two after-school study support centres in Nottingham
We promote a range of opportunities for associates to volunteer their own time, and associates can receive up to £250 for their chosen organisation if they volunteer 50 hours or more per year.
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Environment
Environmental statement
Our head office, based in Nottingham, is the heart of our UK business with more than 2,000 employees. The Nottingham campus
includes all of our core operations, ranging from customer service and fraud, through to human resources and marketing. The
Nottingham site is supported by a small London office.
We are committed to the environment. Our culture is built around a set of values, one of which includes doing the right thing
for our customers, our employees and our community. As part of our commitment to do the right thing, we have a responsibility
to help protect the environment and to integrate environmental management into our day-to day business. This statement outlines
the steps we have already taken to do this and our continued commitment to the environment.
However, it doesn't stop here. As well as ensuring we are compliant with all relevant environmental legislation, regulations
and requirements, we will continually review our practices and processes to ensure our continued commitment.
Our Buildings
The Nottingham campus is a great example of bringing regeneration to an area by using brown field sites. Our first building,
Trent House, was a disused print works in an area of the city which had been targeted for regeneration. It is now a vibrant,
exciting building.
Loxley House, a new adjacent building, was again built on a brown field site. Both buildings were designed with a number of
environmentally considerate features including active building controls which manage our heat, power and lighting.
Both buildings use electricity supplied from guaranteed green sources and heating is supplied via the steam produced by the
Nottingham Eastcroft waste facility. These help to reduce our use of natural resources and therefore our environmental impact.
We will continue to seek new ways to reduce our use of energy and water.
Waste Management and recycling
Our active waste strategy has been in place since 2004. This strategy helps us to recycle waste whenever possible, rather
than putting it into landfill. During this time we have dramatically reduced our output to landfill (by over 60%). All our
office paper waste is shredded and recycled; cans, plastic cups, fluorescent tubes, glass and cardboard are also recycled.
Transport and Travel
We encourage our employees to use public transport to get to and from work. There is limited on-site parking at our Nottingham
site, a decision made in line with the City Council planning guidelines.
We are located in a central position, with the train station and tram stop on the doorstep and bus stops a short walk away.
We also offer employees interest free loans for rail season tickets, access to on-line bus and train timetables, and the provision
of undercover secure cycle racks, showers and lockers. We even have a kayak rack in case someone wants to paddle down the
canal to work!
Our Marketing Strategy
We take seriously the potential environmental effect of our marketing activities including direct mail. Over the past few
years we have reduced our mailing volumes by working harder to attract customers using the internet. Moreover we are working
to ensure that if we do send out mail-shots, we do so using recycled paper and the best targeting techniques.
Leadership support and employee awareness
Our Leadership Team, here in the UK, is dedicated to creating an environmentally responsible business and is encouraging our
whole team to make the environment central to every business decision they make.
We regularly hold environmental events to help inform and educate our employees. In October 2007 we held our first Environment
week, this event provided our employees with information and ideas to help them reduce their environmental impact both within
the office and at home.
We are developing environmental performance indicators to help us to assess our current and future level of environmental
performance. This will enable us to benchmark our performance against industry standards as we strive to become an environmental
leader within the financial services industry.
What are we working on at the moment?
We're aware that we need to do more than just state our commitment to environmental causes. Capital One is focused on converting
its commitment into a tangible plan of action that will ensure that we contribute to creating a sustainable future for us
all. To that end, we have recently launched a number of initiatives:
1) Assessing our carbon footprint:
Environmental scientists are helping us to accurately gauge our carbon footprint. We are currently mid way through the project
and once completed we'll use the results to drive our future environmental action plan and identify how we can reduce out
environmental impact even further. We expect to complete this project in January 2008.
2) Moving to 100% Recycled Paper:
From January 2008 we are progressively moving to 100% Recycled paper for our internal and external communications. This will
be complete by the end of March 2008. We will be one of only a few large businesses in the UK to make this commitment.
3) Reducing our use of paper internally:
We're taking steps to reduce our internal paper use. These include making sure everyone prints double sided and challenging
employees to consider whether they really need to print a document. We are also tracking these reductions through our printer
technology to ensure we can continue to reduce our paper usage.
4) Continuing Waste Reduction:
We've made big strides over recent years in reducing (by over 60%) our landfill waste through promoting our recycling programme.
But there is still further work to do and we're continuing to push to find ways to reduce the waste we produce.
The above is just the start in what we see as a long term project to ensure our business and our employees act in an environmentally
sustainable manner.
This statement will be reviewed regularly and updated every six months to keep you up to date on our progress.
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Transport
There is limited parking on-site parking at Capital One, an active decision in line with the City council planning guidelines.
This, plus our great location next to the train and tram stations, and our active encouragement of other forms of travel means
that only one in eight of our workforce travels to work by car. We support this by offering associates interest free loans
for bus and train season tickets, access to on-line bus and
timetables, and the provision of undercover secure cycle racks, showers and lockers. We even have a kayak rack in case you
want to paddle down the canal to work!
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