1. science
2. social science
3. philosophy
4. ethics

Nationwide corporate responsibility report 2008/9
We’re different
Because you set our agenda
Being a building society makes us fundamentally
different from the big banks we compete with.
We don’t have shareholders, we are owned by our
members. So you set our agenda.
And we never forget that. Which is why for us ‘Corporate Responsibility’ is so
much more than just words that put a gloss on what we do. For us, Corporate
Responsibility is central to the way we do business.
Our directors in action
And I think our members recognise that. They see that we are seeking to run
their Society in a prudent, secure and responsible way that puts their needs
first. In July 2009 in a survey conducted by Moneywise, Nationwide was named
as the financial brand consumers trust most.
And for me personally, that public awareness is really important. UK consumers
need to know that we offer a real alternative to the banks – an organisation
that can compete with the banks in terms of scale and resources – but also an
organisation that lives by a different agenda, one set by its members.
MoneyActive launch
Maxine Taylor
So I hope this report on the way we approach our business shows you that
we take our responsibilities seriously and that as your building society we are
doing all we can to live up to your expectations of us.
Of course, I do not want to pretend that everything is rosy. The credit crunch
and this recession have created a really tough environment for us and many of
our members. We have had to take some hard commercial decisions. However
we continue to embrace our responsibilities to our members, the community,
our employees and the environment. There will always be more we can do,
but I am absolutely convinced that we are heading in the right direction.
Comic Relief Day
Mark Rennison and Tony Prestedge
Graham Beale, Chief Executive
DSE event
David Rigney and Robin Bailey
With origins dating back to 1846, and
after a succession of some 100 mergers, we
really have become the nation’s building society.
Today, we help
over 14 million customers
with their finances, our total assets add up to some
£200 billion and we have over 900 retail outlets.
Contents
• Our Strategy
page 04
• CR Governance
page 09
• Finance
page 10
• Housing
page 18
• Environment
page 24
• Community
page 31
• Data Tables
page 44
To help you get the most out of our Corporate Responsibility (CR) report we’ve
highlighted some key messages.
Key facts bubble – All our CR activities are based on real social, economic and
environmental issues. Look out for the key statistics that have helped shape our CR
agenda and share in some of our successes.
We work collaboratively with our partners across the private, public and third
sector. Look out for this symbol to learn more about how we engage with our
stakeholders.
CR in ACTION – We’ve included a variety of practical examples to demonstrate the
impact of our CR activities.
You don’t have to take our word for it. Read what our partners have to say
about Corporate Responsibility at Nationwide.
In 2007 we asked our membership to
confirm whether they were happy for us to
dedicate 1% of our pre-tax profits
to our Corporate Responsibility activity. 98% of
respondents voted yes. Among other things, this
report tells you what we’ve been doing with that money.
P4 Nationwide Corporate Responsibility
Our Strategy
Mission statement
As a UK based mutual we exist solely for the benefit of our members . We
help them and their families meet their financial needs in a sustainable,
responsible and secure way - as we have done since 1846, in a manner that
is open, honest, and fair
co
Environmental
Management
Community
Investment
m
un
ity
en
vi
ro
m
t
en
m
n
This year we set out on our new three year CR strategy. It rein
Employee
Engagement
Homeless
Support
Financial
Capability
u
ho
si
ng
Affordable &
Sustainable
Housing
Since our CR Summary Report was published in September 2009,
our strategy wheel has been updated and simplifed in response to
employee feedback.
Responsible
Lending
and
Savings
an
ce
Supply
Chain
fin
Impact? Take a look…
Nationwide Corporate Responsibility P5
Finance
Helping with indebtedness. Improving
people’s financial capability. Being a
responsible lender.
orporate
sponsibility
help
Our Homeowner Mortgage Charter
spells out our commitment to help
people stay in their homes when they
run into temporary financial difficulty.
We estimate we returned
£680 million of benefits to
our members in the 2008/9
financial year through better
rates and lower charges.
Through our MoneyActive
programme, we’ve committed £3
million over 3 years to increase
the number of financial capability
volunteers at Citizens Advice from
100 to 1400, reaching an additional
100,000 people in need.
Helping people to manage their finances
At NationwideEducation.co.uk children,
parents and teachers can all find fun
programmes, linked to the National
Curricula, including Finance for 4-16 year
olds. Over 2.5 million hits in 10 months.
2.5m hits
prudent
With our ‘Trust Us, Trust You’ campaign,
it’s no surprise we’re Responsible Credit
Card Award winner for the second
year running. Our mortgage arrears
are a quarter of the national average –
reflecting our prudent lending practices
over the long term.
P6 Nationwide Corporate Responsibility
Housing
Supporting affordable housing.
Helping the homeless. Encouraging
sustainable housing.
porate
nsibility
We’ve joined forces with
Shelter, the housing and
homelessness charity.
As well as exploring
potential joint policy we
have funded the Shelter
Housing Support Service,
Bristol, helping 60 families
and 56 children.
Nationwide provided £100 million of
funding for affordable housing in
2008/09. Altogether we currently
provide over £9 billion of funding to
this sector and some of our
employees provide further help,
sitting on housing association boards.
Nationwide is committed to the
principles of low cost home
ownership (LCHO) and has been one
of the main lenders in this area of the
market for more than 20 years.
Nationwide supports all current
government LCHO initiatives and
offers mortgages that help to make
home ownership accessible.
£100m
In partnership with the Royal
Institute of British Architects
we set up the Nationwide
Sustainable Housing Awards
in October 2008, to encourage
architects and design students
to build sustainability into their future designs.
While at NationwideEducation.co.uk, 4-11 year
olds can find out all they need to know about
sustainable housing in a fun and interactive way.
Nationwide Corporate Responsibility P7
Environment
ate
Managing and reducing our direct
environmental impact, in particular reducing
our carbon footprint; having a positive wider
impact through our people and suppliers.
bility
We continue to provide our online
customers the option of paperless
statements for FlexAccounts, cardbased savings accounts and credit
cards. Despite an increase in the
number of accounts, the volume
of paper we use in administrating
them has reduced by nearly 6%.
paper
suppliers
All our tenders for new
contracts include guidelines
on our approach to Corporate
Responsibility and clarify what
we expect of our suppliers.
During the last year we introduced energy
management controls at 30 of our branches
that will generate a 16% reduction in energy
use and subsequent cost savings for each
branch. The system will be extended to
an additional 180 branches this year.
Our new company car scheme
positively rewards those who
choose cars with lower emissions.
We also promote alternatives such
as video and teleconferencing so
sometimes people don’t need to
travel at all.
positive
16%
We donate obsolete stock of corporate
clothing to Dress for Success, a charity
which supports women who have
suffered domestic violence to get back
into the work place.
P8 Nationwide Corporate Responsibility
Community
Engaging our employees, supporting
communities, and funding
The Nationwide Foundation.
corporate
responsibility
In 2009 we introduced four
‘CR Engagement Days’ to
enable our employees and
members to get involved
and increase awareness
of community issues. So far netting over
£500,000 for Comic Relief, Action for
Children, Macmillan’s ‘World’s Biggest
Coffee Morning’ and BBC’s Children in Need.
diversity
We were listed in the Top 10 of
the Business in the Community
Race for Opportunity programme
(for private sector) and allocated
an overall Gold status.
Macmillan has been our flagship charity for
over 15 years and during that time we’ve
raised £5 million for them with a record
£534,000 being given in 2008 alone.
In 2008, we joined forces with Heritage Lottery
Fund and Business in the Community to run
the ‘Nationwide and Heritage Community
Awards’ which recognised the importance of
volunteering. In October 2009, we unveiled our
new Employee Volunteering Strategy, which
provided new opportunities for volunteering and
supported charities with much needed skills.
talent
Our longstanding sponsorship of Disability
Sport Events (DSE) creates opportunities
for disabled people in sport as well as
identifying future talent.
Nationwide Corporate Responsibility P9
CR Governance
Overall responsibility for Corporate Responsibility across the Group lies with our Board of Directors. Individual
accountabilities have been listed below:
Issue
Board Member
Position
Workplace – occupational health & safety
Graham Beale
Chief Executive
Workplace – employee issues
Tony Prestedge
Group Development Director
Marketplace – customers/consumers*
Chris Rhodes
Group Product & Marketing Director
Marketplace – supply chain
David Rigney
Group Operations Director
Environment
David Rigney
Group Operations Director
Corporate Responsibility*
David Rigney
Group Operations Director
*For the period 2008/09, Stuart Bernau was accountable for Marketplace – customers/consumers, and Tony Prestedge was accountable for
Corporate Responsibilty.
In line with our renewed commitment to Corporate Responsibility we reviewed and refreshed our governance structure.
During 2008/09 our new Corporate Responsibility Committee, (CRC) met on a quarterly basis and was chaired by the Group
Development Director**. Members include senior managers and directors from across the business responsible for HR,
Business Services, Customer Experience, Procurement, Retail, Commercial Lending, Brand Development, the Nationwide
Foundation and Corporate Affairs.
** David Rigney, Group Operations Director took over responsibility in November 2009
Purpose of the Corporate Responsibility Committee
• To define and govern the Nationwide CR strategy
• To take ownership of the CR agenda and promote an integrated approach. To escalate
issues to board level
• To measure the impact of CR, to celebrate successes and commit to continuous
improvement.
The UK’s most
trusted provider
In July 2009, Moneywise magazine named Nationwide as ‘Overall Most
Trusted Company’ in their Customer Service Awards 2009. The result
came after 10,000 consumers responded to Moneywise’s survey, carried
out over four months, which is believed to be the largest dedicated
customer service survey for Financial Services held in the UK.
P10 Nationwide Corporate Responsibility
finance
Because it’s what we do
Our financial CR activity focuses on key
areas where we think we can make a
difference: supporting people when they are
in debt; providing people with the skills and
knowledge to avoid financial difficulty; and
providing clear, transparent products.
Find out more at nationwide.co.uk/cr
Supporting people when they are in debt
Mortgage
Charter
People get into difficulties for any number of reasons such as redundancy and illness
and not just because they have simply borrowed too much. We know that. Which is
why we think it’s so important to be fair and supportive.
Homeowners’ Mortgage Charter - To demonstrate our commitment to
our mortgage customers we have produced Nationwide’s Homeowner Mortgage
Charter. This charter sets out our promise to work with and support customers
experiencing a period of temporary financial difficulty and to ensure all options are
explored to keep customers in their homes.
The charter is made up of ten key commitments to members experiencing difficulties
paying their mortgage. The commitments cover all stages of the process from when
the problems first start right through to home repossessions. We will help members
obtain independent free debt advice, create action and payment plans and promise to
only use court action as a last resort.
The Charter is available at http://www.nationwide.co.uk/pdf/payment_difficulties
Mortgage Rescue Scheme - Nationwide supports the Government’s Mortgage Rescue Scheme and
seconded an employee to the Department for Communities & Local Government for six months in order to help
devise and develop this scheme. Mortgage Rescue provides an option of last resort for vulnerable households
facing loss of their home as a result of repossession.
Arrears Management - Our mortgage arrears are a quarter of the national average. Probably because
when we sit down with our customers to discuss their borrowing requirements, we try to ensure they don’t get
in over their heads. We lend responsibly.
To help improve the experience of customers across the sector we have contributed to research commissioned
by Shelter and carried out by the Centre for Housing Policy at York University. The aim of the project was to
identify good practice examples of arrears management and repossession issues among the lender community.
Credit Card Breathing Space - If a not-for-profit debt advice agency formally lets us know that one
of our customers is in serious discussion with them to draft a debt repayment plan, we will suspend collection
activity for 30 days while those discussions continue. And if they need more time to finalise the plan and so
long as progress is being made, they can opt to extend this breathing space a further 30 days.
Online Support - A wide range of information is available to our customers via our website advising them
on what they can do if they have payment difficulties. As well as self help information, the site provides links to
external advice agencies and other sources of support. It also tells them how to contact Nationwide and about
the support they can expect. http://www.nationwide.co.uk/payment_difficulties/
In 2008/09 Citizens
Advice advised on
1.93 million
new debt problems,
an 11% increase on 2007/08
P12 Nationwide Corporate Responsibility
Providing people with the skills and
knowledge to avoid financial difficulty
Debt is the number one issue that Citizens Advice Bureaux advise on, accounting for one in three of all enquiries or
an average of 7,241 new enquiries every day. Many clients cite poor financial skills and lack of understanding as one
the main causes of their debt problems.
MoneyActive Partnership with Citizens Advice
Back in 2008 we started consulting with Citizens Advice to identify how Nationwide could help them deliver and
improve capacity to help the growing number of people in debt. Our partners at Citizens Advice explained that out
of the 20,000 people who regularly give their time to Citizens Advice only 100 volunteers were involved in financial
capability work, teaching people to manage their money better.
In response we announced our £3 million ‘MoneyActive’ partnership. The three year project will fund the recruitment
and training of 1,300 additional volunteers, delivering financial education to 100,000 people within communities
across the UK.
Nationwide’s support of MoneyActive will see the number of volunteers trained to deliver proactive, financial
education rise from 100 to 1,400.
In its first year, MoneyActive will provide training and support to volunteers in 75 bureaux. The volunteers will often
work in partnership with community groups and partner organisations to run sessions tailored for local needs as
well as providing one-to-one coaching on money management and helping those already in debt to break the cycle.
Bureau workers will also be given the knowledge, skills and confidence to pass on budgeting, borrowing and savings
tips to their clients.
As part of the project, Nationwide’s funding will enable the Citizens Advice website ‘AdviceGuide’ to be updated with
additional financial information. The site currently attracts seven million visitors every year.
“Debt problems continue to be the number one issue seen in bureaux. This is a
unique and extremely ambitious project which delivers on our commitment to do
more to help people avoid getting into financial crisis. Nationwide’s support means
that bureaux will be able to reach hundreds of thousands of clients in their local
communities with financial education sessions and advice on money matters.
David Harker, Chief Executive, Citizens Advice
Helping people to manage their finances
Mark Hoban MP (Shadow Financial Secretary to the Treasury), Graham Beale (Chief Executive of Nationwide),
David Harker (Chief Executive of Citizens Advice), Dr Vince Cable MP (Liberal Democrat Shadow Chancellor of the
Exchequer) and Ian Pearson MP (Economic Secretary to the Treasury).
Nationwide Corporate Responsibility P13
CR in ACTION
David is a volunteer at Sheffield Mental Health Citizens Advice Bureau, a service dedicated to the provision of
advice for mental health service users.
“We help a lot of clients with their debt problems. When they see us they are often at a real crisis point. It
makes sense to do what we can to help prevent them getting into financial problems in the first place. Last
week I met up with a former debt client, her mental health issues were part of the reason her finances had
spiralled out of control. We looked at budgeting and put together a savings plan so she can start putting
money aside and hopefully avoid running up debts if her health became an issue again.
“I’ve just completed a training skills course and am soon going to start delivering financial capability
sessions to groups. We were taught about adult learning techniques, how to make the training relevant and
engaging, and how to develop sessions tailored to the needs of the group. We’ll be working with healthcare
professionals, giving them the skills to help their clients, and directly with service users. The MoneyActive
project has given us the opportunity to develop our service and try out new initiatives.”
We believe prevention is better than cure. That’s why we have invested in financial education for children, young people
and adults so they can manage their money with confidence, independently and responsibly in the future.
Nationwide Education - Despite being a key life skill, finance can be one of the most challenging topics to teach
young people. So in consultation with teachers, parents, education professionals and government agencies, we decided
to expand our investment in Nationwide Education and create a new programme - Financial Capability.
In September 2008, Nationwide Education became the first - and continues to be the only - free, educational website
with comprehensive finance modules for ages 4-18+, full of interactive games, fact sheets and work sheets.
We’ve always recognised that teachers and parents are the experts in educating children, not us. That’s why the website
is linked to the National Curricula and has specific sections with hints and tips to help bring finance to life.
Since its launch, our Financial Capability programme has been accredited by the Personal Finance Education Group and
has received positive feedback from teachers across the UK. Finance is a serious subject but we hope Nationwide
Education offers young people a fun and engaging way of learning and will help them manage their money responsibly
and independently in the future.
Financial Capability programmes
Target age group
‘Counting on Money’
4-7
‘The Cost of Money’
7 - 11
‘Savings & LifeSkills’
12-14 / 14-16
‘Finance World’
16-18+
59%
of 12-19 years olds are not sure they have the
right information to manage their finances on leaving school.
Young Enterprise survey, summer 2009.
P14 Nationwide Corporate Responsibility
CR in ACTION
One of the first schools to use the Nationwide Education Financial Capability programme was Normanton
Common Primary School in West Yorkshire.
“The Nationwide Education resource has given our pupils and teachers improved confidence and understanding
in learning about financial capability,” said Glyn Bishop, Head Teacher, Normanton Common Primary School.
The teachers at Normanton Common found the resources flexible enough to use with a range of ages and
abilities, in a classroom setting, with small groups or individuals. The story book in the 4-7 Counting on
Money module was used in a school assembly and a link to the materials has been put on the school’s Virtual
Learning Environment, which means that they can be used by parents and pupils at home too.
We run focus groups with teachers, parents and students before the resources are launched to collect their
feedback. Our employees have visited a number of schools across the UK to help teach finance and a new
section of the website is soon to be launched providing more employees with the opportunity to help their
local school.
Steven Gerrard talking to pupils about Nationwide Education at the Christ the King Centre for Learning in Liverpool.
The launch of the new Savings and Lifeskills programme will play a pivotal role in
helping young people become more aware of their finances and learn the value of
savings.
Barry Sheerman, MP and chair of the Children, Schools and Families Select Committee
Teenager’s Guide to Money - Away from the online world, we’ve
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sponsored the Teenager’s Guide to Money, a book designed to teach young
adults about money and help them be financially independent and
responsible in the future. The book came in response to research that
indicated that two-thirds of teenagers did not think that they have a good
knowledge of finance. In May 2008 we distributed 5,000 copies of the
book to schools and colleges across the UK.
rint,
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Nationwide Corporate Responsibility P15
Responsible lending and clear,
transparent products
CREDIT
CARDS
Supporting
members when they are facing financial difficulty, and investing in Financial Education is only
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limate Credit Card - For the second year in a row, we’ve been
Most Responsible
judged the most responsible credit card lender at The Card Awards. The Society picked
up the award for ‘Most Responsible Credit Card Lending Practices’ in February 2009.
The award was given for Nationwide’s ‘Trust Us, Trust You’ campaign.
Trust Us, Trust You was launched in 2008; its key message is that cardholders
can trust Nationwide to lend responsibly, while Nationwide provide tips to help
consumers borrow responsibly. By working together both lender and borrower can
benefit.
The Card Awards also praised Nationwide’s responsible approach to credit card
lending, particularly: our simplified marketing material; free commission on overseas payments, which saves
customers £17.6 million a year; the way we deal with customers experiencing financial difficulties; and our
‘positive order of payments,’ which saves cardholders money by ensuring that we clear their most expensive
borrowing first.
To win this award for the second year running is a fantastic achievement for the
Society and reflects our ongoing approach to responsible lending, while offering
products which are fair and transparent. It has never been more important for card
providers to demonstrate responsible lending practices and we believe our ‘Trust Us,
Trust You’ initiative clearly sets out our commitment.
Jeremy Wood, Divisional Director, Nationwide
Positive order of payments - Nationwide’s ‘positive order of payments’ saves credit cardholders money by
ensuring that we clear their most expensive borrowing before their cheapest borrowing. Almost all credit card providers
in the UK allocate payments in an adverse way. Nationwide estimates that overall, UK consumers would save around
£500 million if all credit card providers adopted a positive order of payments.
Protecting our members - We are committed to protecting our members and their savings. We have lobbied for
the Financial Services Compensation Scheme (FSCS) to raise the limit of guaranteed deposits from £50,000 to £100,000
per individual. This move would cover 99% of our members’ savings and would provide reassurance to savers.
To protect our customers after our mergers with the Cheshire, Derbyshire and later the Dunfermline building societies we
worked with the regulator to protect their savings under the FSCS. As a result in November 2008 it was announced that
existing customers of merged building societies would retain their full compensation allowances of £50,000 until
December 2010 as long as they continue to operate as separate savings brands. This gives our customers an extra
guarantee and the peace of mind that their savings are protected.
P16 Nationwide Corporate Responsibility
Ethical Investment
- Unlike High Street banks, the vast majority of our lending is to individuals to buy their
properties. We are required by the Financial Services Authority (FSA) to hold some of our assets in ‘liquid’ form to ensure
that funds are always available if members wish to withdraw money from their accounts. The FSA tells us where we can
invest this liquidity (primarily in mainstream financial institutions). Nationwide does not generally invest in equities,
although 1% of our total assets are invested in some UK and overseas corporate bonds.
We do not however offer a full range of corporate banking services, and our Commercial Division focuses on lending to
three sectors:
• UK registered social landlords (Housing Associations)
• Commercial and residential property investors
• Private Finance Initiatives (PFI) funding new schools, hospitals and social housing projects.
We continue to keep the question of a formal investment policy under review.
We are pleased to offer our customers an ethical investment option called the Ethical Trust through our partner, Legal and
General. The Legal & General Ethical Trust gives you a share of an investment fund, which invests in FTSE 350 companies
that conform to a range of ethical and environmental guidelines. Based on customer preferences L&G exclude companies
that are substantially involved in or cause: animal testing; countries with poor human rights records; gambling; health
and safety breaches; intensive farming; major arms exporter to oppressive regimes; nuclear power; pornography; use or
sale of tropical hardwood; production of ozone depleting chemicals; production or sale of tobacco; production or sale of
weapons systems; provision of nuclear weapons and water pollution.
Listening to feedback - Nationwide is committed to listening to our customers and members in order to provide
services and products that meet their needs. Our ‘Voice of the Customer’ programme helps us to manage and acquire
customer feedback in an integrated way. In 2008/09 we received nearly 15,000 pieces of customer feedback a month.
In addition to waiting for feedback, we actively consulted 2,500 customers per month on their opinions of the services
they received and other products and improvements they would like to see. We also held regular ‘TalkBack’ events which
provided an opportunity for our members to question Nationwide directors face-to-face or online. Since 1997 we have
held 104 of these debates across the UK with eight events in 2008/09 attended by 1,138 members. Our new Members’
Zone has been created to provide another opportunity for members to engage with us and has a selection of news
articles, podcasts and opinion polls. https://www.nationwide-members.co.uk/
CR in ACTION
Improving Customer Experience - In response to customer feedback, we developed our online mortgage
switcher, a new online facility which enables customers at the end of their deal to switch to a new product
without going into a branch. Of the customers we invited to switch their mortgage, 46% have taken advantage
of this facility.
We have also overhauled our ISA processing capability, improving turnaround times and capacity.
Improvements include the setting up of an ISA training academy, a comprehensive review of literature, IT
enhancements, a new ISA Gateway on our intranet, prioritised ISA processing at our distribution centre and a
new application tracking system.
Following member feedback, we have reviewed our bereavement process. A new Senior Liaison Officer
now looks after the case providing a single point of contact for the customer and we have introduced a new
dedicated helpdesk. The new system has resulted in a simpler process for customers, requiring fewer phone
calls or branch visits and has led to an 83% reduction of complaints compared to the previous year.
To provide our customers with best value we have widened our product range to allow more customers the
flexibility to build up overpayment reserves and those on tracker products to switch to a fixed rate product at
any time.
Find out more at nationwide.co.uk/cr
Coming soon...
Nationwide Education’s
‘Finance World’
programme for ages 16+
Macmillan help branch staff
understand the issues facing
customers with cancer
2009 AGM donation funds
Macmillan advisors who
deliver vital financial support
to cancer patients and carers
New partnership with Skill
Force to provide financial
education to young people
at risk of exclusion
P18 Nationwide Corporate Responsibility
housing
Because it’s a fundamental human need
Our CR work in the housing arena centres
around three aims: supporting and promoting
affordable housing; supporting people who
are homeless or have housing issues; and
encouraging and supporting sustainable
living and housing.
Find out more at nationwide.co.uk/cr
Supporting and promoting affordable housing
It is our responsibility to make the most of our resources for the benefit of our members; we are also keen to support
communities around the country. Investing in affordable housing allows us to do both; we provide the finance on
commercial terms and any profits we make, we plough back into our business for the benefit of members.
Nationwide provided £100 million of funding for affordable housing in 2008/09
As an established and leading funder of affordable housing we not only help provide homes for people who would
otherwise struggle to afford a place of their own, we’re in a position to influence the development of the UK’s affordable
housing policy; we work proactively with Government agencies and departments as well as The Council of Mortgage
Lenders. What’s more, some of our Housing Finance employees support the sector voluntarily by sitting on housing
association boards and rural housing forums.
Nationwide is committed to the principles of low cost home ownership (LCHO) and has been one of the main lenders in
this area of the market for more than 20 years. Nationwide supports all current government LCHO initiatives and offers
mortgages that help to make home ownership accessible.
Two of our core markets, the housing association and PFI sectors involve us lending to organisations that have a positive
social and/or environmental impact and benefit. Housing associations in particular provide social benefit in terms of
improving the lives of their tenants through the provision of good quality, affordable housing as well as neighbourhood
regeneration, home improvement, training and skills courses. In addition the regeneration work in urban areas will have
a positive environmental impact, while all new housing that is built must be to specified environmental standards. Many
PFI projects that we fund in the social housing and education sectors will also have significant environmental and social
impacts.
CR in ACTION
One particular type of housing association, the Large Scale Voluntary Transfers (LSVTs), is created when local
authority tenants vote to transfer to a new landlord. They provide significant social and environmental benefits
through the improvement of the housing and neighbourhoods, often on big, run down urban estates. When we
consider funding LSVTs it is important for us to see that their business plans also include measures to improve
the environment, local services and social infrastructure as well as the actual housing. This is to ensure that
sustainable demand is created for the housing, which means that our borrower will have a strong long term
source of rental income with which to repay their debt.
Nationwide currently provides over
£9 billion
of funding to the Affordable
Housing sector.
64,000 households
are trapped in temporary
accommodation in England.
P20 Nationwide Corporate Responsibility
Supporting people who are homeless or have
housing issues
Shelter Partnership - During 2008/09 we embarked on a new, forward-thinking partnership with Shelter
exploring policy issues surrounding homelessness. Using our shared expertise we believe the partnership has the
potential to deliver real solutions which will help to prevent people becoming homeless.
Some of the key areas the partnership will focus on include provision of advice and support services for consumers in
mortgage arrears, good practice in arrears management, responsible lending and house price fluctuations.
We’re also working with Shelter to help those people who are homeless or in desperate housing need. In November
2008 Nationwide started to fund Shelter’s Housing Support Service in Bristol. We initially donated £81,000 to the
project, which offers free support for homeless families making the transition into a settled home, and helps children and
young people overcome the disruption and trauma caused by homelessness. During the next 12 months we will extend
our work with Shelter to support Housing Support Services in Milton Keynes and Dorset, hoping to reach 2,310 people.
CR in ACTION
Shelter’s Housing Support Service provide wide-ranging services include housing advice, help with household
budgeting and tackling debt, and support for people with physical and mental health problems. The service
also offers practical support, helping families moving into a new home to find furniture and household items.
Finally, community activities offer homeless families the chance to meet and share their experiences. Thanks to
the work of volunteers in Bristol, homeless young people have the opportunity to take part in simple activities
like football that they may otherwise miss out on.
As a result of our support, Shelter’s Housing Support Service in Bristol has helped 60 homeless families
and 56 children. When their support ended 93% of people engaged with the project were able to live
independently.
We are very excited about the partnership with Nationwide and grateful for their
generous support. This partnership has already made a massive difference to the
lives of homeless families and children in the South West and will now enable us to
continue our vital services.
Karen MacVean, Service Manager for Shelter’s Housing Support Service, Bristol
Nationwide Corporate Responsibility P21
Encouraging and supporting sustainable
living and housing
Clearly while people need homes, building them has an impact on the environment, so we’ve launched two new
initiatives to promote sustainable living.
Nationwide Sustainable Housing Awards
Our Sustainable Housing Awards evolved from a member’s suggestion at the 2007 AGM and were launched in
partnership with the Royal Institute of British Architects (RIBA) in October 2008. The competition is set to run for
three years and is designed to promote economic and environmental sustainability by encouraging architects and
design students to incorporate issues of sustainability into their future designs. We’re looking to stimulate and
reward innovative thinking.
The theme for the 2008/09 awards was ‘Sustainable Housing in an Urban Environment’ with three sub-categories
of ‘New Build’, ‘Regeneration’ and ‘Communities and Neighbourhood’. Submissions were received from both
British and international students including entries from Iran, Japan and Greece.
The first awards ceremony took place at the RIBA headquarters in London hosted by Wayne Hemingway, founder
of Red or Dead and current Chairman of Building for Life, an organisation that promotes excellence in the quality
of design of new housing. The winning and shortlisted entries were exhibited at the RIBA headquarters.
For more information on the 2009/10 competition ‘Suburban Urban – Secure and Green’, visit
www.nationwideriba.co.uk
Wayne Hemmingway,
Sunand Prasad,
Graham Beale and
winner Helen Ayton
Graham Beale and
winner Pierre Lecomte
Wayne Hemmingway,
Sunand Prasad, winners
Hannah Smith,
Joseph Thompson
and James Watts and
Graham Beale
Wayne Hemmingway,
Sunand Prasad,
Graham Beale and winner
Jason Ramlugon
I am delighted that students of Architecture both in the UK and overseas
have responded so positively to the challenges of the Nationwide
Sustainable Housing Awards 2008, exploring innovative strategies to
support and stimulate sustainable lifestyles in the context of urban
environments.
Sunand Prasad RIBA President 2007 - 2009
P22 Nationwide Corporate Responsibility
Sustainable Housing Awards – Year Two
NATIONWIDE
SUSTAINABLE
HOUSING
AWARDS 2009
For 2009/10 the theme is ‘Suburban Urban – Secure and Green’ and prizes will be awarded for designs in either
newbuild, refurbishment or community projects. The aim of the competition is to stimulate and reward innovative
thinking about how people can live more sustainably in the future – picking up key characteristics of what might be
recognised today as a ‘suburban’ lifestyle but developed in new ways to reflect ‘suburban’ values, i.e. set in the context
of a denser, more resource-efficient future.
As Chair of Building for Life I am constantly aware of the need to balance quality,
quantity and price when it comes to housing. I firmly believe it’s possible to
achieve that balance through great design and creativity. So, I am pleased to join
Nationwide Building Society and RIBA Competitions in supporting the Nationwide
Sustainable Housing Awards, which are all about challenging our future architects
to be more sustainable for the long term.
Wayne Hemingway
Nationwide Education ‘Sustainable Living’
At Nationwide we believe education is the key to preventing or curbing our current social and environmental problems.
Our online Sustainable Living programmes are designed to engage children aged 4-11 years with what we need to do to
live more sustainably.
Sustainable Living programmes aim to help pupils think about sustainability at both an individual and global level. The
first programme ‘Sustainable Housing’, launched in February 2009, introduces primary school children to sustainability
in the home and starts to introduce the concept of the wider community.
The subsequent programmes, ‘Sustainable Communities’ and ‘Sustainable World’, are aimed at secondary school students
and will be launched in 2010. They will focus on wider community, country, and then global issues and will link the
financial and environmental aspects of sustainability and decisions around how we live.
Find out more at nationwide.co.uk/cr
Coming soon...
Nationwide Education’s
‘Home Safety’ programme
New funding for Shelter
services in Dorset and
Milton Keynes
The second year of
Nationwide’s Sustainable
Housing Awards –
‘Suburban Urban’
P24 Nationwide Corporate Responsibility
environment
Because we’ve all got a role to play
Our environmental CR activity is focused
on managing and reducing our direct
environmental impacts in particular
reducing our carbon footprint; we’re also
looking to have a positive wider impact
through our people and suppliers.
Find out more at nationwide.co.uk/cr
Reducing our direct environmental impact
Reducing our direct environmental impact is vital to maintaining our long-term sustainability, reducing costs for our
members and meeting government legislation now and in the future.
This means setting comprehensive targets on energy, water, travel, waste, and paper and then delivering against
them. In relation to our carbon footprint, we’re working to stabilise our CO2 emissions and then put in a five-year plan
to reduce them with our long term aspiration being to meet the government’s own targets of an 80% reduction on
existing levels by 2050.
CR in ACTION
Building Management System - During the last year we introduced energy management controls at 30 of
our branches. Mini Building Management Systems (BMS) are linked to the branch heating, cooling, ventilation,
lighting and security systems. When the security system is armed, the BMS automatically switches off the
services that are not required when the building is unoccupied and manages these services effectively when
the building is in use. The energy management equipment and remote control of heating, air conditioning,
lighting and ventilation in and out of working hours will generate a 16% reduction in energy use and
subsequent cost savings for each branch.
This is one of a number of actions we are taking to first stabilise our CO2 emissions at their current level before
we move forward and work to reduce them. This doesn’t just reduce our environmental impact but provides
value to our members by saving money.
P26 Nationwide Corporate Responsibility
Environmental Management System
During 2008/09 we have implemented an Environmental Management System (EMS) at our internal print and
distribution unit. The unit produces all our application forms as well as internal printing, scanning and distribution.
Within just 12 months the EMS has been implemented and ISO14001 accredited. ISO 14001 is an internationally
accepted standard and certifies that our internal print and distribution unit has the necessary systems, policies and
procedures to manage and improve environmental performance. As part of the accreditation the unit has put in place
operational controls to manage waste, the print process and to prepare for emergencies such as spills of ink fluids or
potentially harmful waste solutions. The system has also past a mid-term review; this means that standards have been
maintained. In the next year we will be working to implement environmental management controls across other areas
of the business.
Waste and resource management
Building efficiency - One of our major focus areas for the next five years is to increase the efficiency of our
buildings. This has included moving our call centre staff to a new building rated BREEAM “Very Good”. BREEAM is the
Building Research Establishment Environmental Assessment Method - a voluntary measurement system to rate the
environmental performance of a building. Four BREEAM ratings are available: pass, good, very good and excellent.
We are in the process of constructing a new data centre, due to go live in 2011, which is on track to be rated BREEAM
“Very Good”. Sustainability has been a consideration throughout the process from location, design and fit out. As our
data centres use a significant amount of energy, this efficient building will go a long way to reduce our energy use.
Mace Technology, the company constructing Nationwide’s new data centre, has achieved five stars in a British Safety
Council five star environmental management system audit. The company has always placed great emphasis on
maintaining a high level of environmental and health and safety performance, winning numerous awards and
accolades but this is the first time that any Mace Group company has achieved this high level environmental award.
The international standard sees auditors examine the whole environmental management system of a business,
including compliance and best practice.
I am once again delighted that through the hard work of the Nationwide team Mace
Technology has succeeded in gaining five stars in the recent BSC environmental
audit. As with the safety audit, this is the highest mark achievable and sets a new
benchmark for the Mace Group. This is an achievement we can all be proud of.
Joint managing director of Mace Technology Phil Coutts
Our new mini Building Management
Systems will generate a
16%
reduction in energy per branch.
Nationwide Corporate Responsibility P27
Energy source - We can never forget that while fulfilling our environmental and community responsibilities we
exist to give our members value for money. So following issues with supply and demand, price changes and changes
to the government’s framework on carbon legislation, we decide to stop buying electricity from purely renewable
sources in October 2008. This has resulted in an increase in our reported carbon footprint, when compared to
previous CR reports. In absolute terms our energy use has increased by 3%.
Paper - Paper is one of our most significant waste streams. It is company policy that all paper is treated as
confidential waste and all of our confidential paper waste is recycled. So, while ensuring that we protect our
customers’ information and security, we can be confident that we recycle 100% of paper from all of our UK sites.
To help reduce paper consumption and our customers’ paper waste we provide our online customers with the option
of paperless statements for FlexAccounts, card-based saving accounts and credit card statements. Despite an
increase in the number of accounts, the volume of paper we procure to administer them has reduced by nearly 6%.
Water use - Reducing the cleaning frequency of the outside of Nationwide House, our head office in Swindon, has
resulted in some major water savings. This has been achieved by coating some parts of the building with a non-toxic,
biodegradable biocide which stops algae from growing.
Office furniture and corporate clothing - In 2008/09 none of the 130.1 tonnes of surplus furniture was
sent to landfill. Instead 101.9 tonnes was recycled and 28.2 tonnes was redistributed to charities and organisations
such as the NHS.
With design changes to our corporate clothing every two years, waste corporate clothing has the potential to be a
large waste stream for Nationwide. However none of our old clothing goes to landfill. We send old clothing stock the
charity Dress for Success, a charity which supports women who have suffered domestic violence to get back into the
work place (see page 29).
General waste - With almost 900 branches across the country, waste management provides a number of challenges. It
is our aim to reduce waste to landfill and achieve high levels of recycling across our business. The challenge is to find a cost
effective, low carbon solution.
We have begun to develop a solution to this problem for our paper waste. We have arranged to use available secure space on
the return trip of our distribution service to bring the paper from branches to a central point where it will be sent for secure
shredding and recycling. In addition to this we have put balers in place at our central distribution depot and compressors
in place at Nationwide House to compact and reduce the volume of our paper waste. This in turn reduces the frequency of
collections needed to take the waste off site to be processed and therefore reduces carbon emissions from travel.
5 star environmental award for company
constructing Nationwide’s new data centre.
P28 Nationwide Corporate Responsibility
Working to have a wider impact through our
suppliers and employees
Payment times - We take our responsibility to pay our suppliers on time seriously and recognise the risks that late
payment causes to us and our suppliers. Our standard payment terms of 45 days reflect our position as a financial
services provider. While many companies strive to increase their credit terms we believe that by supporting our
suppliers with fair and equitable terms we maintain the strength of our position in the market. Throughout 2009/10 we
are taking further proactive actions to mitigate any unnecessary late payments through improved reporting and
encouraging joint responsibility across Nationwide.
Supplier questionnaire/survey - All tenders for new contracts include guidelines on our approach to
Corporate Responsibility and the expectations that we have in relation to our suppliers. In addition, we undertake
reviews of our suppliers’ CR reports as part of our tender process. During 2009/10 we will be investigating in greater
detail the approach of our suppliers in line with our own policies. This will ensure that, where appropriate, we evaluate
our suppliers against both their approach to CR as well as their commercial effectiveness.
Responsible purchasing - We make a number of our purchasing decisions based on CR criteria. From 1 April
2009 all paper used for point of sale literature (e.g. product leaflets) and statement inserts will be Forest Stewardship
Council (FSC) certified which guarantees the paper is from sustainable, well-managed forests. We have moved from
using recycled paper because it was becoming increasingly difficult to source in the volumes we need. Once it becomes
more widely available and cost viable, we will revert to FSC accredited recycled paper.
In addition, as much corporate clothing as possible is made from sustainable materials and all pieces are ethically
produced. For example, our shirt for men is made from 100% organic fibres.
Nationwide donates obsolete corporate
clothing to ‘Dress for Success’ a charity which
supports women who have suffered domestic
violence to get back into the work place.
Nationwide Corporate ResponsibilityP29
CR in ACTION
Dress for Success - Through good procurement decisions our corporate clothing shows how effective waste
management can be built into the design of a product. In 2008 we started to donate our obsolete stock of
corporate clothing to Dress for Success, a charity which supports women who have suffered domestic violence
to get back into the work place. In addition to helping these women to re-skill and write their CVs, Dress for
Success provides them with suits to wear to interviews. If the woman is successful in securing a job they
are provided with a week’s worth of corporate work wear. This removes some of the barriers which prevent
disadvantaged women from entering mainstream employment.
Much of this recycling would not be possible if re-usability was not considered at the design and procurement
stage. Company branding on Nationwide corporate wear is intentionally kept discreet. Any branding on
Nationwide clothing is either on excess material, which can be easily removed for reuse, or is masked
by similar colouration such as dark blue embroidery on a dark blue suit. To prevent security issues that
re-distributing corporate wear could produce, all Nationwide branches introduce the new corporate clothing at
the same time, removing the possibility of someone impersonating a Nationwide employee.
Proactive procurement decisions have helped Nationwide overcome the barriers that prevent other companies
from reusing and recycling their corporate wear.
Employee awareness - Raising employee awareness is key to reducing our carbon footprint. As part of our
commitment to continually improving our energy efficiency we have relaunched our employee environmental
intranet site which provides information to help reduce Nationwide’s environmental impact through reduced
energy use and business travel. Alongside the intranet re-launch we launched an employee Environment
Awareness campaign in March 2009. The initial focus was on energy encouraging employees to “Be a Nationwide
Saver” and to be more aware of the energy they use. This kind of campaign will be repeated for other
environmental issues such as travel.
Employee travel - We have a network of video and telephone conferencing facilities which enable people to
have meetings without the need to travel and we encourage people to consider alternatives to driving when looking
to hire vehicles.
For the times when the use of a car is necessary we have moved to more efficient vehicles which emit less CO2.
Our new company car scheme gives employees a wide choice, it positively rewards drivers who choose cars with
lower emissions. Employees who do not normally need a car for business purposes are able to use hire cars and
once again cars with lower carbon emissions are promoted.
Find out more at nationwide.co.uk/cr
Coming soon...
Roll out of new Building
Management System to
180 branches – saving
vital energy
A new Nationwide
Education ‘Sustainable
Living’ programme for
ages 12-16
P31 Nationwide Corporate Responsibility
community
Because together people can
achieve incredible things
Our CR work in the community starts close
to home – being a responsible employer
and helping our employees to succeed. Our
charitable partnerships continue to make a
real difference to those in need.
Find out more at nationwide.co.uk/cr
Being a responsible employer
Our employees have the greatest impact on ensuring Nationwide remains a responsible financial services
provider and a responsible employer. PRIDE is Nationwide’s unique set of behaviours which defines the way
we do business with our members, customers, suppliers, partners and colleagues. All Nationwide employees
are introduced to PRIDE as part of their induction and are measured against the behaviours as part of their
performance appraisal. Our PRIDE behaviours were refreshed and re-launched by Chief Executive, Graham
Beale, in April 2008 and have since been further integrated into our new performance management system,
which was rolled out across the UK with an extensive training programme for all people managers.
Opportunity and diversity - At Nationwide we embrace diversity and continue to be committed to promoting
equality of opportunity and creating a supportive and inclusive culture for all our employees, members and
business partners. This is supported by our Diversity and Equality of Opportunity Committee (DEOC), chaired
by the Divisional Director for Sales and Investment. The DEOC is comprised of senior managers from across the
business. .
The DEOC is sanctioned by the Nationwide Executive Directors Committee and aims to:
• promote equality of opportunity and diversity for all Nationwide employees and customers
• ensure that barriers to equality are identified and removed to maximise the potential of all our employees
• ensure that barriers to equality are identified and removed to maximise accessibility for our customers and
potential customers
• create an inclusive approach that values the contribution of every individual.
We work closely with a number of external organisations to promote diversity. We were a founding member
of the ‘Employers’ Forum on Age’ and have been a member now for 12 years. The forum is a network of
businesses who recognise the benefit of an age diverse workforce and are committed to attracting and
retaining talent regardless of age.
We are a member of Business in the Community’s ‘Race for Opportunity’ programme, which aims to
promote employment opportunities for ethnic minorities in the UK. In 2008 we were placed as one of the
Top 10 performers in the Private Sector and in 2009 we achieved an overall status of Silver in their national
benchmarking survey.
As part of the ‘Employers’ Forum on Disability’ we have the opportunity to work closely with Government and
other stakeholders sharing best practice to make it easier to employ disabled people and to serve disabled
customers.
Through Business in the Community’s ‘Opportunity Now’ programme we have been recognised externally for
our work on gender equality and best practices in the workplace, and in 2009 achieved a status of Silver for
our annual benchmarking submission.
Nationwide is also a Stonewall Diversity Champion; Stonewall is the UK’s leading gay, lesbian and bisexual
equality organisation.
P33 Nationwide Corporate Responsibility
Employee development - Providing employees with the right training to do their job is part of our role as a
responsible employer. Over 2008/09 we have prioritised training for our regulated branch employees. This has
enabled the Society to improve competence and evidence in regulatory areas, ensuring compliance with the
Treating Customers Fairly guidelines and continued sales in a weaker economic climate.
In total, 43,215 days of face-to-face training were delivered in 2008/09 with a further 4,890 days of externally
delivered specialist training. This is an average of 2.34 days training per employee.
Nationwide first achieved the Investors in People in 1993 and we were first awarded ‘Champion’ status in 2004. In
November 2008 this status was renewed. We are one of only 42 companies out of 68,000 other IIP companies to
be awarded ‘Champion’ status.
Communication – We work hard at keeping employees informed and engaged in how the business is run.
These activities come under the heading of ‘Voicebox’.
Voicebox gives employees a chance to make their voice heard at Nationwide and engages them in discussions
about current issues, giving them a chance to feed back with their views and suggestions. As well as putting
forward new views and perspectives.
Some of the initiatives that have been part of Voicebox include: ‘Brainwaves’, an employee suggestion scheme
aimed at reducing costs and increasing efficiency, the annual ‘Viewpoint’ employee survey and ‘TalkBack’ sessions
which allow employees to hear how the business is performing and discuss current issues with Executive and
Divisional Directors. One new initiative has been our ‘Your Say Cafés’ which brings employees from all areas of the
organisation together with management to discuss issues that matter to the business.
Health, safety and wellbeing - We are committed to helping our employees have a healthy work life
balance and in 2009 we were one of 20 companies awarded Top Employers by Working Families, a charity which
helps children, working parents and carers and their employers find a better balance between responsibilities at
home and work.
Our careline allows our employees to talk confidentially about any workplace and personal health or wellbeing
issues.
CR in ACTION – working through cancer
People are often keen to return to work following a cancer diagnosis, not just for financial reasons, but also
to regain a sense of normality. All employers, including Nationwide have a role to play in reviewing and
enhancing their polices and processes to ensure they are able to provide the necessary support.
Macmillan is responding to this and working with the government and employers to improve the experience
of people with cancer as they return to the workplace. We have offered our experience of employment
practices as part of an expert panel to develop the ‘Working through Cancer’ toolkit. The toolkit provides
practical resources and guidelines for HR managers, line managers and employees affected by cancer.
Coming soon: We are one of two businesses piloting the toolkit this year. We hope our involvement will not
only help our own employees but also lead the way to improved levels of support across the UK.
Investors in People
‘Champion’
status since 2004.
Nationwide Corporate ResponsibilityP34
Engaging our employees
We work hard to create a working environment that is safe, inclusive and provides opportunities for people to reach
their potential. We also recognise that our employees want to make a difference.
£
Altogether Better – Our new Altogether Better campaign combines our Payroll Giving, Volunteering and Charity of
Choice activities. Our underlying strap line is “Altogether we can change things for the better.”
£ £
Vote Volunteer Give
Vote - Our employees have recently re-elected Macmillan Cancer Support as Nationwide’s Charity of Choice,
continuing our long-term relationship with them.
Volunteer – Employees can now find a variety of volunteering opportunities on our CR intranet including
opportunities with Citizens Advice, Macmillan, Shelter, Disability Sport Events, local schools and community
groups. Nationwide Education – our educational website – will soon boast an Employee Section. It’s designed to
give our employees a framework and materials to teach finance in schools.
Give – We have recently re-launched our payroll giving facility. Employees can donate to a charitable or
community cause that is important to them, every month via payroll. Using our new payroll giving online system it
takes minutes for employees to get involved.
Fundraising – Employees and members have traditionally been fantastic at raising money for a variety of charities.
We are proud to be one of the first companies to support Macmillan’s new innovative ‘text to donate’ campaign. The idea
is simple yet could make a huge difference to cancer patients and their families up and down the country. Employees and
members have been invited to text NATION to 07134 to make a £3 donation towards Macmillan’s fantastic work.
85% of employees surveyed feel more positive or
much more positive about Nationwide as a result of our CR
activities.
P35 Nationwide Corporate Responsibility
CR in ACTION – CR Engagement Days
During 2009 we have introduced four CR Engagement Days per year. This enables employees across the
whole organisation to get involved and raise money for four very worthwhile causes:
• Comic Relief
• Action for Children
• Macmillan Cancer Support (World’s Biggest Coffee Morning)
• BBC Children in Need
So far our members and employees have raised an amazing £500,000 through our CR days.
The spirit of our CR days was captured in the efforts of one Nationwide employee who spent seven hours non
stop on the cross trainer in aid of Action for Children in the middle of the Nationwide head office in Swindon.
Peter Gough was joined by four of Nationwide’s directors taking it in turns to provide moral support on a
neighbouring rowing machine. Peter ran a massive 153km – that’s the equivalent of 3.5 marathons in one go.
Nationwide employee, Peter Gough, who spent seven hours non stop on the cross-trainer in aid of Action for Children covering over 150km
The fundraising day was a fantastic example of the commitment of
Nationwide people to raising money for good causes. I have never witnessed
such enthusiasm on such a large scale. We really hope that we continue to
work with Nationwide in the future as they are amazing supporters to have
on board.
James Thackray, Head of Corporate Development, Action for Children
Nationwide Corporate ResponsibilityP36
Supporting communities across the UK
Our commitment to the community reflects the views of our members who voted overwhelmingly in support of
Nationwide investing at least 1% of pre-tax profits, in community and environmental activities in 2007. Our community
programme is based on a variety of new and established partnerships with charities including Macmillan, Shelter,
Disability Sports Events, Action for Children, Skill Force and Citizens Advice, as well as a number of local causes.
Macmillan Cancer Support - Macmillan has been our flagship charity since 1993 and
during that time we’ve raised £6 million for them with a record £534,000 being given in 2008
alone, which helped fund the Plymouth and Durham Cancer Information Centres, the Macmillan
Cancer Guide and their Carols in the Cathedral.
CR in ACTION
In 2008 and 2009 Nationwide promised to donate 20p for each vote cast in the AGM. In both years we
reached our targets and together made a donation of £500,000.
In 2008 our donation was been split between two of Macmillan’s cancer information and support services:
the Mustard Tree Cancer Information and Support Centre in Plymouth and another centre in County Durham.
Both centres provide people with cancer and their carers with clear information and face-to-face support
including booklets, leaflets and videos, information on self help, support groups and complementary therapies.
The 2009 donation helped to fund Welfare Benefits Advisors based at Citizens Advice Bureaux in Hinckley,
Lutterworth and Market Harborough. Offering vital financial support and advice to cancer patients and their
carers.
Angela Porfit, cancer patient and one of Macmillan’s champions.
From myself and everyone at Macmillan, thank you for your commitment to
improving the lives of people affected by cancer. Your innovative fundraising
and dedicated support helps to take us one step closer to our ambition of
reaching and supporting everyone living with cancer.
Ciarán Devane, Chief Executive, Macmillan
P37 Nationwide Corporate Responsibility
Disability Sport Events (DSE)
Our longstanding sponsorship of DSE creates opportunities for disabled people in sport as well as identifying future
talent. Congratulations to wheelchair racer Daniel Lucker who was awarded the national ‘Rising Star’ Award at the
Nationwide DSE Sports Awards in December 2008 and has since won the London Wheelchair Mini Marathon.
DSE award winners in Manchester
Nationwide and Heritage Community Awards
In 2008, we joined forces with Heritage Lottery Fund and Business in the Community to run ‘Nationwide and Heritage
Community Awards’ which recognise the importance of volunteering. The initial awards were presented to the worthy
winners in November 2008.
Local causes
It’s not just national charities and causes we support: our CR representatives around the country use their local
knowledge to identify local causes and to work with charity partners. Projects near our Swindon headquarters include
GWR Kids, Learning for Life, Think Swindon, SMASH, Junior Good Citizen, Community Foundation for Wiltshire &
Swindon, Prospect Hospice, Swindon Tigersharks and Swindon Cares.
Cats’ Eyes
Each year thousands of people are killed or injured on roads in the UK. Of those most at risk, child pedestrians are
perhaps one of the more vulnerable groups of road users, with many still learning road awareness skills as they walk to
and from school on an almost daily basis. To help combat this serious issue Nationwide has been distributing more than
13 million reflectors to schools throughout the UK since 2000. By taking the simple step of wearing a reflector, a child
pedestrian is visible from 150 metres with low beam headlights, compared to only 30 metres without one. We welcome
the fact that the latest statistics show the casualty rate amongst child pedestrians has significantly fallen 59% since the
Cats’ Eyes reflector programme began. Our Nationwide Education website also provides children, parents and teachers
with free fun educational games and worksheets to increase awareness of road safety.
Road crashes are one of the biggest causes of death and injury of children in the
UK. Although there have been reductions in child casualties overall, the danger to
young pedestrians increases dramatically in the winter months as daylight hours
decrease and visibility is reduced by a third. In the month of October last year,
there were 860 child pedestrian casualties, a dramatic increase of 60% compared to
the month of August. Nationwide’s Cats’ Eyes reflectors, together with the ‘Be Safe,
Be Seen’ and ‘Safer Travel’ road safety programmes on Nationwide Education, play
a key role in helping young children stay safe on our roads.
Dawn Boyfield MBE, Director of Parliamentary Advisory Council for Transport Safety
Nationwide Corporate ResponsibilityP38
Sponsorship
Our sponsorships aim to involve our customers and reach communities both regionally and nationally.
Nationwide football sponsorships
Football is the national sport in the UK so sponsoring football enables Nationwide to communicate our brand,
products and services to the widest audience possible. Nationwide has been sponsoring football in the UK for
over a decade; we are the team sponsor of the England, Wales and Northern Ireland football teams and an Official
Partner of the Scotland football team.
Nationwide is also the England Team Sponsor for all 18 England football teams run by the Football Association.
The teams include the women’s and men’s senior teams, nine men’s and women’s youth teams and seven
disability football teams.
Nationwide customers have access to the majority of benefits that these football sponsorships provide.
Opportunities to win VIP hospitality, match tickets, see your child lead out the team, watch team training
and meet the players are just some of the exclusive benefits that Nationwide customers can win by entering
competitions held on nationwidefootball.co.uk.
This website also provides all the up-to-date international football news and content as well as exclusive
interviews with players and managers across all four home nation teams.
Official supplier to the new Wembley Stadium
Nationwide is the Official Financial Services Supplier providing all the cash machines (ATMs) within Wembley
Stadium. These ATMs will be free of charge to supporters and customers at Wembley, making it one of the few
stadiums in the world where such an offer is in place.
Bournemouth Symphony Orchestra
We’re proud to be the Principle Sponsor of the Bournemouth Symphony Orchestra (BSO). This sponsorship enables us
to engage with enthusiasts of the BSO through a series of concerts and events across the year. We also have a major
presence as an employer in Bournemouth as well as across the BSO’s heartland of the south west.
RAF Central Band - Nationwide has continued to sponsor ‘A night with the Central Band of the Royal Air
Force’ at the Wyvern theatre in Swindon in aid of the Royal Air Force Association. The RAF Association (RAFA) is
a membership organisation of serving and former members of the Royal Air Force, their families and dependants
and all those supporting the aims of the Association. It is the largest single-service membership organisation in
the United Kingdom and has roughly 74,000 members and 500 branches in the UK, Europe and further afield.
The Association provides help and advice, assistance, comradeship and, where required, welfare and care for the
whole RAF family.
Mosaic
Nationwide is currently working with Mosaic, a national project, led by the Campaign for National Parks, that aims to
build sustainable links between black and minority ethnic communities and the National Parks and the Youth Hostels
Association (YHA). The Mosaic project works by training influential leaders from ethnic minoyrity communities to
become ‘Community Champions; promoting the National Parks and the YHA in their communities.
81% of employees think Nationwide is a
socially responsible company.
P39 Nationwide Corporate Responsibility
The Nationwide
Foundation
In 2008/09 we donated £2 million in funding to the Nationwide Foundation.
The Nationwide Foundation is a registered charity
set up and funded by Nationwide Building Society.
During the last financial year, the Foundation
continued to make large grants through its Investor
Programme and also made 109 small grants to
charities across the UK, helping 77,000 people.
The Foundation is more than a grant giving body. One of its
key objectives is to encourage community partners to work
together. Charities benefitting from the Investor Programme
receive £150,000 over three years for core, development and
project work, and there is also the opportunity to access an
additional shared fund of £250,000 to finance partnership
activities. By sharing expertise and consolidating resources
charities often achieve much more.
Working in partnership with the Abbey Charitable Trust and
Volunteering England, the Foundation also commissioned
research into how charities can benefit from ‘non-financial
support’ e.g. skilled volunteers, gifts in kind, equipment, and
in particular, how companies and charities can work more
effectively together for mutual benefit. The research highlighted
how companies can add significant value by offering the
specialist skills of their staff through volunteering programmes.
The findings are helping to inform our own new Employee
Volunteering strategy.
In 2008/09, the Foundation reviewed and evolved
its funding strategy. It will focus on two core
areas: housing and financial inclusion, specifically
focusing on charities representing disadvantaged
older people and survivors of domestic abuse.
Registered Charity Number: 1065552
Toynbee Hall
Thanks to the Foundation funding, Toynbee
Hall, a charity working with the local
community in the East End of London, is
training workers in women’s refuges to
support survivors of domestic abuse with
their financial problems.
Runnymede Trust
The Foundation has supported four
Runnymede Trust projects dealing with the
savings and financial advice needs of people
from Black and Minority Ethnic groups.
These include research on financial inclusion
and a national conference to promote these
diversity issues.
The Nationwide Foundation set to help 11,000 people
The Nationwide Foundation has recently announced a new grants programme totalling £2.3 million. The grants
will fund eight charities which help people who face financial exclusion or housing issues.
The money will benefit up to 11,000 survivors of domestic abuse and disadvantaged older people over the next
three years.
The Nationwide Foundation will also provide consultancy support to build the robustness and infrastructures of
the charities funded. This may include deploying consultants and funding training needs for staff and trustees.
“We’ve carefully studied the charities’ bids and are convinced that these charities can make a real difference to
the lives of older people and survivors of domestic abuse. We know that a lack of financial capability can prevent
someone leaving an abusive relationship, and that many older people are needlessly living in cold, sub-standard
homes because they are unable to access the right assistance. This three-year commitment allows the charities
time to make a real difference and to build legacy so that their good work will continue,” said Lisa Parker, chief
executive of the Nationwide Foundation.
The eight charities which the Foundation is supporting as part of the Investor Programme are:
• Age Concern Camden (partnership with Age Concern London)
• Age Concern Wirral
• Centre for Policy on Ageing
• Centre for Sustainable Energy (partnership with both Mendip and Somerset West Care & Repair)
• The Haven
• Money Advice Plus - MAP (partnership with national Women’s Aid)
• Runnymede Trust
•Thanet Citizens’ Advice Bureau (partnership with Shelter Kent branch and Canterbury and Shepway Citizens’
Advice Bureaux)
In addition to the three year Investor Programme, Nationwide Foundation also provides grants of up to £5,000 to
smaller charities with incomes of less than £500,000.
For more information about the Nationwide Foundation and the Investor Programme visit
www.NationwideFoundation.org.uk
Find out more at nationwide.co.uk/cr
Local involvement - our
regional brands in action
The Cheshire, Derbyshire and Dunfermline Building Societies are Nationwide’s
regional brands. Each has their own commitment to their communities.
For the past five years Cheshire has supported Henshaw’s work with blind and visually impaired children
and adults across the North of England. That’s included supporting their Christmas Carol Concert, which in
2008 raised £4,500, as well as taking part in slightly less sedate activities such as abseiling.
Cheshire also operates several affinity account schemes for local football clubs and 21 hospices across the
North West region. Over £60,000 was raised through donations from the ‘Caring for Hospices’ affinity
savings accounts in 2008.
Toynbee Hall
Strong relationships have been forged with East Cheshire Hospice in Macclesfield, supporting the charity
not only through affinity savings accounts, but also fundraising activities such as sponsoring its annual
10km Midnight Thanks
Walk. to The Foundation funding,
Toynbee
a charity
workingAdventure
with Farm Trust (CAFT), a charity providing
More locally, Cheshire
has Hall,
supported
The Children’s
the local
community
in the East
End of
respite for terminally
ill, chronically
sick, disabled
and disadvantaged
children. In July 2009, Cheshire
sponsored the annual
International
Boccia
Championships
for
the
second
year. Similar to boules, Boccia is
London, has trained workers in women’s
a Paralympics sport
originally
designed
to
be
played
by
people
with
Cerebral
Palsy. In April 2009, Cheshire
refuges to support survivors of domestic
donated £1,300 to Windyways Animal Rescue Centre to provide food and bedding for injured, abandoned
abuse with their financial problems.
and sick animals.
Cheshire also works with other organisations to raise funds through donations and employee involvement
initiatives such as raffles and local fundraising. A recent Cheshire versus Derbyshire Building Societies
football match raised over £600 for the East Cheshire Hospice, in addition, they collected football boots and
kits for the Boots for Africa campaign, a charity providing football equipment for disadvantaged children
across Africa.
All this plus supporting the fundraising days of the big national charities such as Comic Relief, ChildLine,
Children in Need and Action for Children.
www.thecheshire.co.uk
P42 Nationwide Corporate Responsibility
Proud to be a part of
Derbyshire Building Society is committed to offering support to groups within the local area, which offer
social inclusion for all and helped over 150 charities, community groups, organisations and good causes in
2008/09.
Derbyshire is engaged in a 13 year partnership with Rainbows Children’s Hospice, the only children’s hospice
in the East Midlands. The hospice receives no government funding so has to rely solely on donations and
fundraising. Derbyshire‘s support for the hospice includes an affinity savings account which generates over
£25,000 per year, an annual ‘Light Up a Life’ appeal, events and personal fundraising.
The company has been the principal sponsor of the Derby 10k and Family Fun Run since 2001. The annual
event, in aid of local charity Sporting Futures, regularly attracts 3,500 runners and is regarded as one of
the top five races of its kind in the UK, as well as one of the premier events in Derby’s sporting calendar.
Through its long-standing relationship with Derby County Football Club, the popular Derby Rams affinity
savings account has enabled Derbyshire to help the club develop its First Team stars of the future. The
income this account generates for the club goes directly towards funding its youth academy. It has helped
local youngsters such as Tom Huddlestone, Lee Camp, Giles Barnes, Lewin Nyatanga and Miles Addison
achieve their dream of becoming professional footballers.
Derbyshire has enjoyed a long and successful relationship with the Rams, both as main club sponsor and
sponsor of its Football in the Community programme. We also enjoy affinity relationships with other clubs
including Grimsby Town, Mansfield Town, Chesterfield FC and Sheffield Wednesday and the funding we
provides helps all these clubs develop the game at grass roots level.
Derbyshire also has an affinity relationship with the National Trust, which has seen savers help raise more
than £3,500 for the charity. This money has been used to maintain some of the region’s most historic homes,
parks and gardens. Other charities supported by the Derbyshire include Derbyshire Children’s Holiday Centre,
Treetops Hospice, Derbyshire Association for the Blind, Padley Group and East Midlands in Bloom.
www.thederbyshire.co.uk
The Dunfermline Building Society has a long tradition of supporting the community. Its support to
Art in Hospital enables them to deliver extensive visual art therapy programmes to elderly and
physically disabled people in residential care homes and hospitals throughout Scotland. Dunfermline
received a commendation in the first year of this partnership through the Arts & Business Scotland
Awards 2008 Community Award. Many of our employees were invited to participate in the art
workshops, which they found enlightening, therapeutic and an excellent way of developing their
communication skills.
During the past five years, Dunfermline employees have been involved in a number of initiatives to
raise funds for charitable causes all over Scotland, including: The Great Scottish Run, Maggie’s
Centres Monster Hike and Bike and The Moonwalk in aid of Breast Cancer. Dunfermline supports a
number of other charities including our two employee chosen charity partners: Macmillan Cancer
Support and Leukaemia Research. Dunfermline also supports local initiatives close to our branches
such as hospice appeals, playgroups and sporting organisations.
www.dunfermline.com
Find out more at nationwide.co.uk/cr
Coming soon...
Our new Employee
Volunteering programme
We’re one of two
businesses piloting
Macmillan’s Working
Through Cancer toolkit
P44 Nationwide Corporate Responsibility
Workplace Data
Number of employees
Average during year
No. of employees (Group)
2006/07
2007/08
2008/09
16815
18318
18935
Society - central admin*
7592
8469
9821
Society - branches
8248
8827
8315
Subsidiaries
Full-time
975
1022
799
11519
12784
13409
Part-time
5296
5534
5526
% full-time
68.50
69.79
70.82
% part-time
31.50
30.21
29.18
60+
50-59
40-49
30-39
20-29
<20
Age profile of employees
2006/07
2007/08
2%
2%
12%
12%
24%
24%
28%
26%
30%
31%
4%
5%
2008/09
2%
12%
25%
25%
32%
5%
Gender profile of all employees
2006/07
2007/08
2008/09
Female
71%
70%
70%
Male
29%
30%
30%
Employee diversity profile (%) 2006/07
2007/08
2008/09
Asian Other
1.0%
0.9%
Bangladeshi
0.5%
0.4%
Black African
1.1%
1.1%
Black Caribbean
0.8%
0.8%
Black Other
0.3%
0.3%
Chinese
0.2%
0.2%
Indian
2.7%
2.6%
Pakistani
0.7%
0.7%
0.6%
0.6%
0.2%
0.3%
Other
Other Mixed Background
Undeclared/Blank
7.8%
13.0%
White
84.1%
79.3%
Nationwide Corporate ResponsibilityP45
Length of service (number of years)
2006/07
2007/08
2008/09
< 2 years
16%
23%
23%
2-5 years
18%
18%
19%
5-10 years
25%
22%
21%
10-15 years
10%
10%
11%
15-20 years
17%
13%
9%
> 20 years
13%
14%
16%
Number of reported accidents 2006/07
930
2007/08
862
2008/09
942
Number of RIDDORS
2006/07
2007/08
33
2008/09
33
33
• RIDDORS are those accidents reported to the local Enivronmental Health Officer under the Reporting of Injuries, Diseases
and Dangerous Occurrences Regulations 1995
Training days delivered /
sponsorship for qualifications
2006/07
Delegate days delivered
Number of employees sponsored to
study externally
2007/08
2008/09
48705
40618
43292
235
240
200
P46 Nationwide Corporate Responsibility
Community Data
How Nationwide contributes by type (£ ‘000s)
2006/07
Cash
2007/08
2008/09
3,882
2,829
4,918
268
303
557
396
432
4.439
3,493
5,653
Time
Management Costs
Total Community Contribution
Cash
Time
Management Costs
How Nationwide contributes by type (%)
2006/07
2007/08
87%
81%
8%
13%
11%
2008/09
87%
5%
8%
Charitable gift
Community investment
Commercial initiatives
How Nationwide contributes by motivation (%)
2006/07
2007/08
3%
4%
94%
75%
3%
21%
2008/09
3%
86%
12%
What Nationwide supports by category (%)
Education and young people
Health
Economic development
Environment
Arts and culture
Social welfare
Other support
2006/07
2007/08
2008/09
36%
5%
0%
1%
0%
49%
7%
45%
8%
0%
0%
0%
40%
6%
26%
8%
0%
1%
0%
52%
13%
London Benchmarking Group (LBG) key performance indicators
2006/07
Nationwide
Community contribution (£ million)
2007/08
Sector
4.43
Nationwide
12.2
2008/09
Sector
3.49
14.3
Nationwide
5.65
Sector
19.27
Community contribution %
pre-tax profit
0.68
0.59
0.51
0.6
2.67
0.49
Contribution per employee (£)
319
315
191
362
299
303
Community contribution % Revenue
0.23
0.19
0.16
0.25
0.25
0.11
Nationwide Corporate Responsibility P47
Environment Data
How we use the following data
We use the data on Customer Accounts to help us understand more about our environmental performance. For the purposes
of understanding our environmental performance Customer Accounts are calculated as the number of open accounts with
one or more named customers. Where an account is open in one or more persons names the account is still counted as one
account; i.e. we count open accounts not account relationships.
Customer accounts (millions):
Number of accounts (millions)
Percentage Change
2006/07
22.45
-
2007/08
23.67
4%
2008/09
26.22
4%
Baseline: 2000/01- 14.56 million customer accounts
CO2 emissions (tCO2) (Total Scope 1 and Scope 2 emissions)
2006/07
51,498
3357
54, 855
Energy use in buildings
Business travel
Total
2007/08
57,631
3307
60,938
2008/09
58,665
3214
61, 879
Baseline: 2001/02- Total Scope 1 & Scope 2 emissions was 48,075 tCO2
Total Greenhouse Gas (GHG) emissions from energy use in our buildings
(tonnes of CO2 equivalent (tCO2eq ))
Energy use in buildings GHG (tCO2eq)
Of which:
Tonnes of carbon dioxide (tCO2)
Tonnes of methane (CH4)
-as carbon dioxide equivalents (tCO2eq))
Tonnes of nitrous oxides(N20)
-as carbon dioxide equivalents (tCO2eq)
2006/07
51,871
2007/08
58,041
2008/09
60,261
51,498
57,631
58,665
26.47
30.33
31.14
346.62
380.18
399.20
Tonnes of Greenhouse Gas emissions (tCO2eq) per 1000 customer accounts
2006/07
2.31
2007/08
2.45
2008/09
2.3
Total Greenhouse Gas emissions From energy use in our buildings (kgCO2eq) - per meter squared of
building portfolio
2006/07
187.2
2007/08
194.9
2008/09
208.2
Gas Oil, Electricity & Natural gas consumption (million kilowatt-hours)
2006/07
110.5
2007/08
125.7
2008/09
129.4
P48 Nationwide Corporate Responsibility
Gas Oil, Electricity & Natural Gas Consumption (million kilowatt-hours per 1000 accounts)
2006/07
4,918.9
2007/08
5,316.2
2008/09
4,935.4
Gas Oil, Electricity & Natural Gas Consumption Baseline (2000/01): 6, 836 million kilowatt-hours per 1000 accounts.
Gas Oil, Electricity & Natural Gas Consumption (million kilowatt-hours per meter squared of building
portfolio)
2006/07
398.7
2007/08
422.2
2008/09
447.0
Gas Oil, Electricity & Natural Gas Consumption Baseline (2000/01): 360.8 (million kilowatt-hours per meter squared of
building portfolio).
About these data tables:
In all instances data refer to the financial year 2008/09, and exclude: the subsidiary Nationwide International, Nationwide
Ireland, and our Regional Brands (the Cheshire, Derbyshire and Dunfermline Building Societies).
Emissions for road travel are calculated using actual vehicle mileage and CO2 data for individual cars based on manufacturers’
emissions data.
For tCO2 from energy used in our buildings we’ve re-calculated emissions reported in our previous Better Society reports to
enable us to make like-for-like comparisons for energy use in our buildings. We’ve taken this decision based on guidance
from Defra’s GHG Conversion Factors for Company Reporting (June 2009).
Carbon dioxide equivalent and kWh from Gas Oil, used in our stand by generators, is calculated using an estimated no of
litres combusted, based on generator size, number of ‘runs’ and the duration of each ‘run’. We will be looking to better
quantify our use of Gas Oil in our next CR report.
For the purposes of understanding our environmental performance, accounts are calculated using the number of open accounts
with one or more customers. Where an account is open in one or more persons names the account is still counted as one
account; i.e. we count open accounts not account relationships. All previous data has been re-calculated to reflect this change.
For more information on what consitutes Scope 1 and Scope 2 please visit www.defra.gov.uk/environment/business/reporting/
index.htm
Nationwide Corporate ResponsibilityP49
Emissions from Business Travel: Types of Transport – Tonnes of CO2 (tCO2)
2006/07
Company cars
Hire cars
Air
Rail
Total tCO2 from business travel
2,896.8
460.3
536.1
121.6
4,014.8
2007/08
2008/09
2,912.1
394.6
523.1
135.55
3,965.4
2,765.3
449.0
425.0
54.88
3,694.1
2007/08
14.0
2.5
3.8
2.3
22.6
2008/09
12.9
2.9
2.5
0.9
19.3
Emissions from Business Travel Baseline (2004/05): 3,998 tCO2.
Business Travel by Road, Air & Rail (millions of km)
Company cars
Hire cars
Air
Rail
Total distance travelled (millions km)
2006/07
11.9
2.8
4.1
2.0
20.8
Business travel by road, air & rail baseline (2004/05): 23.7 millions of km.
About these data tables:
Company vehicles: Emissions are calculated using actual vehicle mileage and CO2 data for individual cars based on
manufacturers’ emissions data.
Hire car: Hire car emissions were calculated for the first time in 2004/2005. Emissions are calculated based on average
miles driven per day and have used an average gCO2/km of vehicles hired during the reporting period, based on car
manufacturers’ emissions data.
Emissions from air: Air travel data are calculated using sector miles travelled (point to point). Emission data are calculated
using Defra guidelines for domestic, short haul and long haul flights (including uplift factors where relevant) for each
reporting period.
Emissions from rail: Rail travel data are calculated using sector miles travelled (point to point). Emission data are calculated
using Defra guidelines for each reporting period.
Emissions data for air & rail travel 2007/2008 are incomplete: km travelled modal splits for road, rail and air have been
calculated for 2004/05 to 2006/07 and for 2008/09 to estimate 2007/08 data. We aim to validate these figures in our next
CR report.
P50 Nationwide Corporate Responsibility
Waste management in administrative buildings
2006/07
2007/08
2008/09
Recycled waste (inc confidential paper)
922.1
4791.6
4813.4
Sent to landfill
528.5
865.8
878.78
Waste disposal baseline for administrative buildings (2002/03): 865.6 tonnes recycled and 431.5 tonnes disposed to landfill
(In 2007 the Portman Building Society branches joined our paper recycling scheme)
Water consumption
2006/07
Thousand cubic metres
2007/08
228.9
2008/09
272.9
290.5
Paper use (tonnes)
Source/Type
In-house print volumes (tonnes)
Society photocopier paper
Non-recycled
37
Recycled
1121
1065
Total
1172
1102
Non-recycled
524
527
10
8
534
535
Total
All paper types
2008/09
51
Recycled
Point of sale materials*
2007/08
Non-recycled
0
0
Recycled
2369
2215
Total
2369
2215
575
564
Recycled
3500
3288
Total
4075
3852
Non-recycled
*These items are printed by our supply chain partner on non Nationwide premises.
This is the first time we have reported paper consumption; we will look to further validate these figures in our next CR report.
Nationwide Sustainable Housing Awards
Action for Children Day
Disability Sport Events
Swindon Half Marathon
Shelter Housing Support Services
NationwideEducation.co.uk
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[email protected]
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