Barclays PLCCitizenship Data Supplement 2014
Helping people achieve their ambitions – in the right way
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 01
Contents
Approach 02
Citizenship Plan Progress Summary 03
Global Reporting Initiative G4 table 05
KPMG Assurance Statement 32
Appendix: Balanced Scorecard (Citizenship) metric definitions 33
NotesThetermBarclaysorGroupreferstoBarclaysPLCtogetherwithitssubsidiaries.Unlessotherwisestated,theincomestatementanalysiscomparestheyearended31December2014tothecorrespondingtwelvemonthsof2013andbalancesheetanalysisasat31December2014withcomparativesrelatingto31December2013.Theabbreviations‘£m’and‘£bn’representmillionsandthousandsofmillionsofPoundsSterlingrespectively;andtheabbreviations‘$m’and‘$bn’representmillionsandthousandsofmillionsofUSDollarsrespectively.
ThecomparativeshavebeenrestatedtoreflecttheimplementationoftheGroupstructurechangesandthereallocationofelementsoftheHeadOfficeresultsundertherevisedbusinessstructure.Theserestatementsweredetailedinourannouncementon10July2014,accessibleatbarclays.com/barclays-investor-relations/results-and-reports.BalancesheetcomparativefigureshavealsobeenrestatedtoadopttheoffsettingamendmentstoIAS32,Financial Instruments: Presentation.
Adjustedprofitbeforetax,adjustedattributableprofitandadjustedperformancemetricshavebeenpresentedtoprovideamoreconsistentbasisforcomparingbusinessperformancebetweenperiods.Adjustingitemsareconsideredtobesignificantbutnotrepresentativeoftheunderlyingbusinessperformance.Itemsexcludedfromtheadjustedmeasuresare:theimpactofowncredit;goodwillimpairment;provisionsforPaymentProtectionInsuranceandclaimsmanagementcosts(PPI)andinterestratehedgingredress;gainonUSLehmanacquisitionassets;provisionforongoinginvestigationsandlitigationrelatingtoForeignExchange;lossonannouncedsaleoftheSpanishbusiness;andEducation,SocialHousing,andLocalAuthority(ESHLA)loanvaluationrevision.AsmanagementreviewsadjustingitemsataGrouplevel,resultsbybusinessarepresentedexcludingtheseitems.ThereconciliationofadjustedtostatutoryperformanceisdoneataGrouplevelonly.
RelevanttermsthatareusedinthisdocumentbutarenotdefinedunderapplicableregulatoryguidanceorInternationalFinancialReportingStandards(IFRS)areexplainedintheResultsglossarythatcanbeaccessedatbarclays.com/results.
Forward-looking statementsThisdocumentcontainscertainforward-lookingstatementswithinthemeaningofSection21EoftheUSSecuritiesExchangeActof1934,asamended,andSection27AoftheUSSecuritiesActof1933,asamended,withrespecttocertainoftheGroup’splansanditscurrentgoalsandexpectationsrelatingtoitsfuturefinancialconditionandperformance.Barclayscautionsreadersthatnoforward-lookingstatementisaguaranteeoffutureperformanceandthatactualresultscoulddiffermateriallyfromthosecontainedintheforward-lookingstatements.Theseforward-lookingstatementscanbeidentifiedbythefactthattheydonotrelateonlytohistoricalorcurrentfacts.Forward-lookingstatementssometimesusewordssuchas‘may’,‘will’,‘seek’,‘continue’,‘aim’,‘anticipate’,‘target’,‘projected’,‘expect’,‘estimate’,‘intend’,‘plan’,‘goal’,‘believe’,‘achieve’orotherwordsofsimilarmeaning.Examplesofforward-lookingstatementsinclude,amongothers,statementsregardingtheGroup’sfuturefinancialposition,incomegrowth,assets,impairmentchargesandprovisions,businessstrategy,capital,leverageandotherregulatoryratios,paymentofdividends(includingdividendpay-outratios),projectedlevelsofgrowthinthebankingandfinancialmarkets,projectedcostsorsavings,originalandrevisedcommitmentsandtargetsinconnectionwiththeTransformProgrammeandGroupStrategyUpdate,run-downofassetsandbusinesseswithinBarclaysNon-Core,estimatesofcapitalexpendituresandplansandobjectivesforfutureoperations,projectedemployeenumbersandotherstatementsthatarenothistoricalfact.Bytheirnature,forward-lookingstatementsinvolveriskanduncertaintybecausetheyrelatetofutureeventsandcircumstances.Thesemaybeaffectedbychangesinlegislation,thedevelopmentofstandardsandinterpretationsunderInternationalFinancialReportingStandards(IFRS),evolvingpracticeswithregardtotheinterpretationandapplicationofaccountingandregulatorystandards,theoutcomeofcurrentandfuturelegalproceedingsandregulatoryinvestigations,futurelevelsofconductprovisions,thepoliciesandactionsofgovernmentalandregulatoryauthorities,geopoliticalrisksandtheimpactofcompetition.Inaddition,factorsincluding(butnotlimitedto)thefollowingmayhaveaneffect:capital,leverageandotherregulatoryrules(includingwithregardtothefuturestructureoftheGroup)applicabletopast,currentandfutureperiods;UK,US,Africa,Eurozoneandglobalmacroeconomicandbusinessconditions;theeffectsofcontinuedvolatilityincreditmarkets;marketrelatedriskssuchaschangesininterestratesandforeignexchangerates;effectsofchangesinvaluationofcreditmarketexposures;changesinvaluationofissuedsecurities;volatilityincapitalmarkets;changesincreditratingsoftheGroup;thepotentialforoneormorecountriesexitingtheEurozone;theimpactofEUandUSsanctionsonRussia;theimplementationoftheTransformProgramme;andthesuccessoffutureacquisitions,disposalsandotherstrategictransactions.AnumberoftheseinfluencesandfactorsarebeyondtheGroup’scontrol.Asaresult,theGroup’sactualfutureresults,dividendpayments,andcapitalandleverageratiosmaydiffermateriallyfromtheplans,goals,andexpectationssetforthintheGroup’sforward-lookingstatements.AdditionalrisksandfactorsareidentifiedinourfilingswiththeSECincludingourAnnualReportonForm20-Fforthefiscalyearended31December2013,whichareavailableontheSEC’swebsiteatsec.govandinourAnnualReportforthefiscalyearended31December2014,whichisavailableontheBarclaysInvestorRelationswebsiteatbarclays.com/investorrelations.
Anyforward-lookingstatementsmadehereinspeakonlyasofthedatetheyaremadeanditshouldnotbeassumedthattheyhavebeenrevisedorupdatedinthelightofnewinformationorfutureevents.ExceptasrequiredbythePrudentialRegulationAuthority,theFinancialConductAuthority,theLondonStockExchangeplc(theLSE)orapplicablelaw,Barclaysexpresslydisclaimsanyobligationorundertakingtoreleasepubliclyanyupdatesorrevisionstoanyforward-lookingstatementscontainedhereintoreflectanychangeinBarclays’expectationswithregardtheretooranychangeinevents,conditionsorcircumstancesonwhichanysuchstatementisbased.Thereadershould,however,consultanyadditionaldisclosuresthatBarclayshasmadeormaymakeindocumentsithaspublishedormaypublishviatheRegulatoryNewsServiceoftheLSEand/orhasfiledormayfilewiththeSEC,includingthe201420-F.
Helping people achieve their ambitions – in the right way
Barclays PLCStrategic Report 2014
Barclays PLCAnnual Report 2014
Helping people achieve their ambitions – in the right way
Where can I find out more?YoucanlearnaboutBarclays’strategy,ourbusinessesandperformance,approachtogovernanceandriskonline,wherelatestandarchivedannualandstrategicreportsareavailabletoviewordownload.
barclays.com/annualreport
Approach
Global Reporting Initiative G
4 tableCitizenship Plan Progress Sum
mary
KPMG
Assurance Statem
entA
ppendix: Balanced Scorecard (Citizenship) m
etric definitions
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 02
Approach
Aligning and integrating reporting Barclayscontinuestoalignandintegrateourcitizenshipdisclosureswithinouroverallreportingapproach.In2013,wedevelopedacitizenshipreportingprocesswhichwasinformedbyandalignedtoourfinancialreporting;withfurtherharmonisationofreportingdatesandprocessesbetweentheAnnualReportandCitizenshipReport.
In2014,wemovedtofurtherintegrateourreportingandnowprovidekeycitizenshipperformancedisclosureswithinourStrategicReport,aspartoftheAnnualReport;andhavealsoreflectedprinciplesaroundintegrationofrelevantcitizenshipissuesintheinformationonbusinesspurpose,valuecreationandbusinessmodelsintheStrategicReport.Weareonajourneytowardsfurtherintegration–bothintermsofdisclosuresbutalso,morefundamentally,instrategyandperformancethroughour5CsframeworkandBalancedScorecardbarclays.com/about-barclays/balanced-scorecard.html
Citizenship Data Supplement and GRI Index Movingtowardsintegratedreporting,wewillnolongerpublishastandaloneCitizenshipReport.KeyinformationispartofourStrategicReportandweprovidemoreinformationonpoliciesandsupportinginformationonourwebsiteatbarclays.com/citizenship.
However,werecognisespecificstakeholderinterestinmoredetailedtechnicalinformationandhavedevelopedthissupplementtoprovideadditionaldata,actasaguidetosupportinginformationintheAnnualReportandotherdisclosuresandcontinuetoalignwiththeGlobalReportingInitiative(GRI)frameworkassetonpage5.
Thissupplementalsoincludesdefinitionsandmeasurementmethodologiesforourkeycitizenshipperformancemetricsandastatementfromourexternalassuranceprovider.
AssuranceKPMGLLPundertookalimitedassuranceengagementoverselectedcitizenshipBalancedScorecardmetricsonpages3and4andthepresentationofthedescriptionofourmaterialityprocessonpages8and9.Refertotheirstatementonpage32.
Approach
Global Reporting Initiative G
4 tableCitizenship Plan Progress Sum
mary
KPMG
Assurance Statem
entA
ppendix: Balanced Scorecard (Citizenship) m
etric definitions
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 03
TheBarclaysCitizenshipPlan,launchedinJune2012andupdatedinJuly2013,isanevolvingsetofglobalcommitmentswhichweaimtodeliverbytheendof2015.Itisorganisedaroundthreedistinctareas:thewaywedobusiness,contributingtogrowthandsupportingourcommunities.Asummaryofour2014performanceagainstthePlanispresentedbelow,providingbothyear-on-yearandcumulativeperformanceagainstour2015targets.PleaseseeBarclaysStrategicReport2014foranoverviewofhowcitizenshipalignswithourstrategyandkeyperformancemeasuresintheBalancedScorecard,whichincludesmetricsforcitizenship.FurtherinformationonperformanceagainsttheCitizenshipPlan,casestudiesandadditionalinformationisavailableatbarclays.com/citizenship.
The way we do business
Plancommitment Metrica 2012 2013 2014 StatusPerformanceagainstPlan
1. Implement a global Code of Conduct to set clear and consistent expectations of behaviour
‘TheBarclaysWay’code(%employeesattested)
New 85% p98%Met annual target
97%(annual)
2. Ensure material business decisions reflect stakeholder considerations
CitizenshipReputation(YouGovsurvey)
New 4.9/10 p5.1/10On track against our 2018
goal based on surveys undertaken in 2014
6.5/10(2018 target)
3. Proactively manage the environmental, social and governance impacts of our business
Globalcarbonemissions(tonnesCO2percentreduction)
New -9.4%b p-21.7%Ahead of target
-10%(2015 target)
Percentageofsupplierspaidontime(45days,byvalue)
New 83% p85%On track to meet 2015
target, expanded global coverage
85%(2015 target)
4. Be market leading on transparency – being as open as possible about how we do business
Nosuitablehigh-levelmetricavailabletocapturerangeoftransparencyinitiativesacrossproduct,marketandcorporatereporting
We are committed to being an open and transparent
organisation and continue to work towards this goal. In
2014, we increased disclosures on key topics
including country-by-country reporting and public
policy engagement. Please refer to our website for
more information. Further information on public
policy activity is available at barclays.com/citizenship/reports-and-publications/
public-policy.html
We also continued to voluntarily report
sustainability performance data for a number of
performance indices and benchmarks, including Dow
Jones Sustainability Index, Business in the Community
Corporate Responsibility Index, Carbon Disclosure Project and FTSE4Good.
Further information on 2014 Indices and Benchmarks is available at barclays.com/
citizenship/our-approach/key-facts-and-figures.html
5. Minimise our broader systemic risk to the economy and society
Nosuitablehigh-levelmetrictotrackactivityacrossResolutionandRecoveryPlanning.
We continue to refine our Resolution and Recovery
Plans working with relevant authorities. Please see the
Annual Report for more information.
NotespWithinKPMG’slimitedassurancescope.Pleaseseepage32.
a BalancedScorecard(Citizenship)metricdefinitionspresentedintheAppendix.b Adjustedfrom2013CitizenshipReport.SeeG4-22onpage10fordetails.
Citizenship Plan Progress Summary
Global Reporting Initiative G
4 tableKPM
G A
ssurance Statement
Appendix: Balanced Scorecard (Citizenship)
metric definitions
Citizenship Plan Progress Summ
aryA
pproach
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 04
Contributing to growth
Plancommitment Metrica 2012 2013 2014 Status
Cumulativeperformanceagainst2015
Planb
6. Leverage our products, capital, networks and expertise to drive sustainable progress
Newandrenewedlendingtohouseholds
£33.4bn £34bn p£40.3bnOn track to meet 2015
target
£107.7bn/ £150bn
NewandrenewedlendingtoSMEs
£11.1bn £13.4bn p£14.0bnOn track to meet 2015 target, lending grew in
2013 and 2014
£38.5bn/ £50bn
Assistinraisingfinancingforbusinessesandgovernments
£830bn £840bn p£817bnExceeded the 2015
plan target
£2,487bn/ £2,000bn
7. Help more businesses to start-up and grow
NumberofparticipantsatSMEsupportevents
36,000 59,000 64,700Ahead of target due to
increased activity in Africa
159,700/ 120,000
8. Improve youth employability NumberofapprenticeshipsatBarclays
699c 534c p501On track to meet 2015 commitment on 2,000
apprenticeships in the UK
1,734/2,000
Supporting our communities
Plancommitment Metric 2012 2013 2014 Status
Cumulativeperformanceagainst2015
Plan
9. Deliver £250m of investment in the community
Investmentincommunity £64.5m £72m p£62.4mOn track to meet
2015 target
£198.9m/ £250m
10. Help build the enterprise, employability or financial skills of five million 10-35 year olds
Numberof10-35yearoldssupportedinbuildingskills
1.21m 1.22m 1.76mOn track to meet
2015 target
4.19/5m
NotespWithinKPMG’slimitedassurancescope.Pleaseseepage32.
a BalancedScorecard(Citizenship)metricdefinitionspresentedintheAppendix.b Cumulativeperformanceagainst2015Plantargetstodate:2012-2014.c Adjustedfrom2013CitizenshipReport.SeeG4-22onpage10fordetails.
Citizenship Plan Progress Summary
Global Reporting Initiative G
4 tableKPM
G A
ssurance Statement
Appendix: Balanced Scorecard (Citizenship)
metric definitions
Citizenship Plan Progress Summ
aryA
pproach
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 05
Global Reporting Initiative G4 table
TheGRIaimstodrivesustainabilityreportingbyallorganisationsbyproducingacomprehensiveSustainabilityReportingFramework(theFramework).TheGRISustainabilityReportingGuidelines(theGuidelines)providestandardglobalprinciplesandreportingcriteriaforstakeholdersinterestedinmanagementanddisclosureofsocial,economicandenvironmentalimpactsandperformanceoforganisations.
TheGRIlauncheditsfourthgenerationSustainabilityReportingGuidelines(G4)in2013.ThisisBarclaysfirstyearreportingusingtheG4framework,althoughwehavereportedusingGRIG3.1inprioryears.Anumberofsector-specificindicatorshavebeendisclosedinaccordancewiththeFinancialServicesSectorDisclosuresdocument.
WehaveeditedtheGRIindicatorsdescriptionforthesakeofclarity.Pleaserefertoglobalreporting.org/reporting/g4forfullindicatordescriptions.
Wewillcontinuetorefineourcitizenshipreportingagainstappropriateframeworksoverthecomingyears.
GRI Content Index
General Standard Disclosures
GRI Aspect 1. Strategy and analysis 062. Organisational profile 063. Identified material aspects and boundaries 074. Stakeholder engagement 115. Report profile 136. Governance 137. Ethics & integrity 14
Specific Standard Disclosures*
Economic 151. Economic performance 162. Indirect economic impacts 17
Environmental 181. Materials 192. Energy 193. Water 194. Emissions 205. Effluents and waste 216. Products and services 217. Compliance 21
Social 221. Labour practices and decent work 222. Human rights 213. Society 234. Product responsibility 26
*(includingFinancialServicesSectorDisclosuresdocument)
Barclays’ disclosures have been prepared in accordance with the Core option of the Global Reporting Initiative G4 Guidelines and we have self-declared reporting against Global Reporting Initiative (GRI) criteria for relevant key performance indicators.
WithinthisdocumentwereportedagainsttheGlobalReportingInitiativeG4GuidelinesandFinancialServicesSectorDisclosuresdocument.Wehaveself-declaredourreportingtobe‘inaccordance’withtheCoreoptionoftheguidelines.
Fully reported
Partially reported
Not reported
Citizenship Plan Progress Summ
aryKPM
G A
ssurance Statement
Appendix: Balanced Scorecard (Citizenship)
metric definitions
Global Reporting Initiative G
4 tableA
pproach
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 06
General Standard Disclosures
Strategy and analysis Indicatorrequirement Disclosure Status
G4-1Provideastatementfromthemostseniordecision-makeroftheorganisation(suchasCEO,chairorequivalentseniorposition)abouttherelevanceofsustainabilitytotheorganisationandtheorganisation’sstrategyforaddressingsustainability.
AtBarclays,citizenshipisoneofthewaysinwhichweliveandembedourpurposesandvalues.PleaseseetheChairmanandChiefExecutiveintroductionsintheBarclaysStrategicReport2014.
Organisational profileIndicatorrequirement Disclosure Status
G4-3 Reportthenameoftheorganisation.
BarclaysPLC
G4-4 Reporttheprimarybrands,productsandservices.
Ourservicesaredescribedonpages9-10oftheAnnualReport.Furtherdetailscanbefoundonourwebsiteatbarclays.com.
G4-5 Reportthelocationoftheorganisation’sheadquarters.
1ChurchillPlace,LondonE145HPUnitedKingdom
G4-6 Reportthenumberofcountrieswheretheorganisationoperatesandnamesofcountrieswhereeithertheorganisationhassignificantoperationsorthatarespecificallyrelevanttothesustainabilitytopicscoveredinthereport.
Weoperateinover50countriesaroundtheworld.barclays.com/products-services.off.html
G4-7 Reportthenatureofownershipandlegalform.
PLC(publiclimitedcompany).
G4-8 Reportthemarketsserved(includinggeographicbreakdown,sectorsserved,andtypesofcustomersandbeneficiaries).
Weservemostsectorsacross50countries.Thetypesofcustomersandtheservicesweoffertoeachofthemaredescribedonpage7oftheAnnualReport.
G4-9 Reportthescaleoftheorganisation.
Barclaysisamajorglobalfinancialservicesproviderengagedinpersonalbanking,creditcards,corporateandinvestmentbanking,andwealthandinvestmentmanagementwithanextensiveinternationalpresenceinEurope,theAmericas,AfricaandAsia.
Withover300yearsofhistoryandexpertiseinbanking,Barclaysoperatesinover50countriesandemploysapproximately132,000people.Barclaysmoves,lends,investsandprotectsmoneyforcustomersandclientsworldwide.
G4-10 Workforce
PleaseseethePeoplesectiononpage74oftheAnnualReport2014,whichprovidesdetailedinformationonemployeestatisticsandworkforceprogrammes.
G4-11 Reportthepercentageoftotalemployeescoveredbycollectivebargainingagreements.
EmployeescoveredbycollectivebargainingagreementsintheUK(%):78
EmployeetradeunionmembersintheUK(%):35
Employeescoveredbycollectivebargainingagreementsglobally(%):55
Employeetradeunionmembersglobally(%):35
(Thesefiguresarebestestimatesbasedoncollectivebargainingcoverageandnumbersingradescoveredbycollectivebargaining)
G4-12 Describetheorganisation’ssupplychain.
Withsuppliersfrommorethan41countries,wehaveadiversesupplychainthathelpsustodelivera‘Go-To’experienceforallourcustomers,clientsandcolleagues.Thesesuppliersprovideservicesincludingretailoperations,facilitiesmanagement,technologyandabroadrangeofprofessionalservices.Ourdiversesupplybaseincludesstart-ups,smallandmedium-sizedbusinesses,aswellasmultinationalcorporations.Manyofourdirectsuppliershavetheirownextensivesupplychains,connectinguswiththousandsmorebusinessesworldwide.OursupplierrelationshipsaremanagedbaseduponarisksegmentationapproachandarerequiredtooperateinaccordancewithourSupplierCodeofConduct.barclays.com/citizenship/our-approach/policy-positions.html
Citizenship Plan Progress Summ
aryKPM
G A
ssurance Statement
Appendix: Balanced Scorecard (Citizenship)
metric definitions
Global Reporting Initiative G
4 tableA
pproach
barclays.com/annualreport BarclaysPLCCitizenshipDataSupplement2014 I 07
General Standard Disclosures
Indicatorrequirement Disclosure Status
G4-13 Reportanysignificantchangesduringthereportingperiodregardingtheorganisation’ssize,structure,ownershiporitssupplychain,including:
Changesinthelocationof,orchangesin,operations,includingfacilityopenings,closingsandexpansions
Changesinthesharecapitalstructureandothercapitalformation,maintenanceandalterationoperations(forprivatesectororganisations)
Changesinthelocationofsuppliers,thestructureofthesupplychain,orinrelationshipswithsuppliers,includingselectionandtermination
Barclayshasbeenrepositioned,simplifiedandrebalancedtoimprovereturnssignificantly.WeintendtobeafocusedinternationalbankwithfourCorebusinesses,operatingonlyinareaswherewehavecapability,scaleandcompetitiveadvantage.
DetailsoftheStrategicReviewandGroupstructurecanbefoundonpage10oftheAnnualReport.
Therehavebeennoothersignificantchangestotheorganisationduringthereportingyear.
G4-14 Reportwhetherandhowtheprecautionaryapproachorprincipleisaddressedbytheorganisation.
In2014,wereviewed302transactionsforenvironmentalorsocialimpacts.Refertopage27ofthisdocumentfordetails.
G4-15 Listexternallydevelopedeconomic,environmentalandsocialcharters,principles,orotherinitiativestowhichtheorganisationsubscribesorwhichitendorses.
EquatorPrinciples GreenBondPrinciples UnitedNationsEnvironmentProgrammeFinanceInitiative(UNEPFI) WolfsburgPrinciples SoftCommoditiesCompact(BankingEnvironmentInitiativeandConsumer
GoodsForum) LivingWage(UK) NewYorkDeclarationonForests(2014).
G4-16 Listmembershipsofassociations(suchasindustryassociations)andnationalorinternationaladvocacyorganisationsinwhichtheorganisation:
Holdsapositiononthegovernancebody Participatesinprojectsorcommittees Providessubstantivefundingbeyondroutine
membershipdues Viewsmembershipasstrategic
BankingEnvironmentInitiative EquatorPrinciples BusinessintheCommunity UnitedNationsEnvironmentProgrammeFinanceInitiative(UNEPFI) ThunGroup BusinessforSocialResponsibility(BSR).
Trade associationsBarclaysisamemberofseveraltradeassociationsglobally.Theseassociationsworktorepresenttheirmembersandshapeindustry’scollectiveresponsetopublicpolicyissues.Asummaryofthekeyassociationsinwhichweparticipateisalsoavailableonourwebsite–barclays.com/citizenship/reports-and-publications/public-policy.html
Identified material aspects and boundaries Indicatorrequirement Disclosure Status
G4-17 Listallentitiesincludedintheorganisation’sconsolidatedfinancialstatementsorequivalentdocuments.
Reportwhetheranyentityincludedintheorganisation’sconsolidatedfinancialstatementsorequivalentdocumentsisnotcoveredbythereport.
Unlessotherwisestated,thereportcoversallofBarclays’globaloperations,including:
PersonalandCorporateBank InvestmentBank AfricaBanking Barclaycard BarclaysNon-Core.
AspartofourCRDIVCountrybyCountryReportingrequirements,wealsopublishalistofthemainentitiesthatBarclaysoperatesaroundtheworldandwhichtogethercontributeover90%oftheGroup’sturnover.Thisdocumentisavailableatthefollowinglink–barclays.com/citizenship/reports-and-publications/country-snapshot.html
G4-18 ExplaintheprocessfordefiningthereportcontentandtheAspectBoundaries.
ExplainhowtheorganisationhasimplementedtheReportingPrinciplesforDefiningReportContent.
Seebelow
Organisational profile continued
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Appendix: Balanced Scorecard (Citizenship)
metric definitions
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pproach
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General Standard Disclosures
Materiality process descriptionΩ
1. BackgroundWewanttofocusonspecificcitizenshiptopicsthatareimportanttoourstakeholdersandstrategicallysignificanttobothourbusinessperformanceandtheexecutionofourstrategy.Therefore,weareusingthePrincipleofMaterialityasdefinedbytheGRItodeterminetherelevanttopicsthatshouldinformourstrategyandourreportingpractices.Theprinciplestatesthereportshouldcoveraspectsthat“reflecttheorganisation’ssignificanteconomic,environmentalandsocialimpactsorsubstantivelyinfluencetheassessmentsanddecisionsofstakeholders”.Previousstakeholderengagementsessionsinspiredourcurrentcitizenshipstrategyandtheunderlying2015CitizenshipPlandesignedtoachievethatstrategy.In2013,weintroducedtheBalancedScorecardbasedonour5Cs(CustomerandClient,Colleague,Citizenship,ConductandCompany),ofwhichtheCitizenshipScorecardisdesignedtoreportindetailonprogressagainstthecommitmentsandtargetswithinour2015CitizenshipPlan.Atthetime,themainmessagefromexternalstakeholderswasthatweneedto:
Furtherdefinethecitizenshipvision,ambitionandstrategy; IntegratethemintoCorebusiness; Introduceleversfordrivingperformanceandimpact;and Improvepartnershipsandcollaboration.
TheBoardConduct,OperationalandReputationalRisk(BCORR)Committee,theCitizenshipLeadershipCouncilandtheExecutiveCommitteeareresponsibleforaligningthecitizenshipstrategyandthewiderbusinessstrategy.
2. 2014 process for defining report content and aspect boundariesEveryyear,werevisitourmaterialityprocesstoensurethatpreviousassessmentsarestillvalidandtoassessifanyadditionalrelevanttopicsneedtobeconsideredorlessrelevanttopicsremoved.Notopicswereremovedin2014butwehaveregroupedandrecategorisedsometopicsinresponsetostakeholderqueriesandinordertoprovideabetterfitwithGRIaspects(e.g.transparencyandpublicpolicyengagementhavebeengroupedintoethicalbehaviour,restructuringintoethicalbehaviourandemployeeengagementandcapitalleverageintofinancialperformance,andrisktotheeconomy).
In2014,wefollowedtheGRIG4materialityprocessasdescribedintheG4SustainabilityReportingGuidelines.
2.1. Identification of material relevant topicsOverthepasttwoyears,Barclaysconductedseveralengagementsessionswithexternalstakeholders.TheaimwastoinspiretheCitizenshipStrategypost-2015.SeeG4-24toG4-27formoredetailsonstakeholderidentification,engagementandinclusiveness.
Additionally,weusedpublicallyavailableinformationtoinspirerelevanttopics.ThisincludestheSustainabilityAccountingStandardsBoard(SASB)financialissuestable,theGRItable,aswellasavailablematerialityanalysisofourpeers.
During2014aninternalworkshopwasorganisedinordertobringtogetherandprioritiseallpreviousfindings.Itinvolvedrepresentativesfromdifferentpartsofthebusiness,chosenfortheirspecialisedknowledgeofdifferentstakeholdergroups(includingGroupStrategy,InvestorRelations,HR,InsightsandResearch,Citizenship,ReputationRiskandEnvironmentalRisk).Specialattentionwasalsotakentoachieverepresentationofasmanybusinessunitsandgeographicalareasaspossible,suchasAfricaBanking,thePersonalandCorporateBank,etc.Thisworkresultedintheinitialidentificationof23relevanttopics(seesectionbelowfordetails),whichthenunderwentaprioritisationprocess.
2.2. Prioritisation of relevant topicsTherelevanttopicswereprioritisedintheinternalworkshopaccordingtotheinfluencetheyhaveonourstakeholdersandtheirimportancetoBarclays.Wehavemadethefollowingjudgements:atopicwasconsideredtohaveahighinfluenceonstakeholdersifita)influencesmorethanonestakeholdergroup,b)influencesmultiplegeographicalareas,c)haslong-termconsequencesorisofgrowinginterestord)isverylikelytooccur.ItwasconsideredtohaveahighimportancetoBarclaysifita)impactsmorethanonebusinessunitorfunction,b)impactsmultiplegeographicallocations,c)iscriticalforourlong-termperformanceord)islikelytocauserisksoropportunitiestoariseforBarclays.
ΩWithinKPMG’slimitedassurancescope.Pleaseseepage32.
Identified material aspects and boundaries continued
Citizenship Plan Progress Summ
aryKPM
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ssurance Statement
Appendix: Balanced Scorecard (Citizenship)
metric definitions
Global Reporting Initiative G
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General Standard Disclosures
ThediagrambelowsetsoutmaterialtopicsasidentifiedbytheGlobalReportingInitiativeprocessdescribedaboveandprovidesasignposttowherefurtherinformationcanbefoundintheAnnualReport,inthissupplementandotherdisclosuressuchasthe2014CountrySnapshot.Topicsidentifiedintheshadedareaarediscussedindetailinthe2014disclosuresbutwedoprovideadditionalinformationontopicssuchassupplychainandhealthandsafetyonourwebsiteatbarclays.com/citizenship.
Note: topics in bold are addressed in detail in the Annual Report
Access to financial servicesAffordable and responsible lendingEnvironmental and social products/solutionsClimate change and GHG emissionsIndirect environmental impacts
Responsible employee engagement, including employability, recruitment, training and retentionDiversity and inclusionStart-ups and SME lendingStakeholder engagement and transparency Reputation Risk ManagementCommunity investmentFinancial literacy and youth skills
Financial performanceRisk to the financial systemRegulatory complianceGovernance, conduct and cultureRemuneration
Customer satisfactionData protection and confidentialityTaxation
Sustainable supply chainOccupational Health and SafetyDirect environmental impacts other than GHG emissions
Significant• Relevant for specific business activities
Importance to Barclays Highly significant• Group-wide significance• Strategic relevance for long-term performance
Impo
rtan
ce to
sta
keho
lder
s
Highly significant• Focus across all core stakeholder groups• Issues relevant across geographies
Significant• Focus for one or two key stakeholder groups
2.3. ValidationWehaveassessedtheresultofourmaterialityprocessassessmentagainsttheoutcomeofpreviousstakeholderengagementexercises.WehavealsoalignedthecitizenshipmaterialityassessmenttotheBarclaysAnnualRiskFactorsReviewwhichalsoconsidersthemostmaterialaspects,suchaslegal,conduct,tax,financialperformanceandfinancialcrime.
Finally,wehaveobtainedadditionalexternaladviceoftheprocessbytheglobalnon-profitbusinessnetworkdedicatedtosustainabilityBSRwhowaspresentatthefinalworkshopandassessedtheoutcomeoftheprocessagainsttheirindustryknowledge,GRIstandardsandasetofpeerschosenfortheirperformanceinmaterialityassessments.
2.4. Report contentThefinaloutputofthematerialityprocesshasfedintotheplanningstagesofourAnnualReport.AReportingSteeringCommitteewassetupwhichwassupportedbyanumberofWorkingGroups(includingRisk,Remuneration,Finance,StrategicReport,CitizenshipandInvestorRelations).Thesegroupsworkedcloselytogethertodefinethecontentofthereport.MembersofseveralofthesegroupswereparticipantsattheinternalmaterialityworkshopandtheresultswerecommunicatedbytheCitizenshipWorkingGroupaspartoftheircontribution.Inadditiontoinformingthecontent,ithashelpedusscopetheCitizenshipBalancedScorecardandCitizenshipPlan,includingthe3pillars.
ThereportcontentandGRItablehavebeenapprovedbyseniormanagementandBoardCommittees.
2.5. ReviewWehaveengagedKPMGLLPtoprovidelimitedassuranceoverthepresentationofourdescriptionofourmaterialityprocessasmarkedwiththesymbolΩ.Theassurancereportcanbefoundonpage32ofthissupplement.
Goingforward,wewillreviewthismatrixonanannualbasis.
Indicatorrequirement Disclosure Status
G4-19ListallthematerialAspectsidentifiedintheprocessfordefiningreportcontent.
RefertoG4-18
G4-20ForeachmaterialAspect,reporttheAspectBoundarywithintheorganisation.
RefertoAppendix1
G4-21ForeachmaterialAspect,reporttheAspectBoundarywithintheorganisation.
RefertoAppendix1
Identified material aspects and boundaries continued
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G4-22Reporttheeffectofanyrestatementsofinformationprovidedinpreviousreports,andthereasonsforsuchrestatements.
Environmental dataBarclays’datacollectionprocessesarecontinuous,andeachyearwereportthemostaccuratedatathenavailableforthebaselineandsubsequentyears.Thiscanleadtorestatementsofpreviouslyreporteddataifdataqualityimproves,moredataisavailableorupdatedCO2emissionfactorsareapplied.
Incaseswherewehavecollectednewdataforpreviouslyunreportedconsumption,wewillgobackandrestatethebaselineifthenewdataamountstoamaterialchangegreaterthan1%ofthetotalconsumption.Ifthechangeislessthan1%,wewillreportconsumptionfromthepointatwhichthedatabecameavailable.Ifitisgreaterthan1%,wewillrestatethebaselineandpreviousyear’sfiguresbasedonactualorestimatedfigures.Reasonsforrestatementsindataareduetoaccuratedatanowbeingavailablewhichledtoreplacementsofestimateswithactualdatafor2012and2013.In2014,wehavealsoalignedtothelatestcarbonconversionfactorsasreleasedbytheGHGProtocol.
Thefollowingrestatementsapplythisyeartopreviouslyreported2013and2012data:
Metric
2013old(2013Citizenship
Report)
2013new(2014Annual
Report)
2012old(2013Citizenship
Report)
2012new(2014Annual
Report)
Energy(MWh) 1,461,831 1,506,075 1,504,774 1,594,023
Carbon(tCO2e) 961,960 968,781 1,014,330 1,060,442
Carbon(tCO2e)percentreduction
-5.2% -9.4% – –
Paperusage(tonnes)
4,224 4,283 4,253 4,282
Totalwaterwithdrawalbysource(m3)
1,302,745 1,436,305 1,391,901 1,482,404
Totalwaterwithdrawalbysource(coverage)
39% 44% 44% 47%
Number of apprenticeships at BarclaysAthoroughreviewofourapprenticeshipsystemsrevealederrorsinthenumbersreportedin2012and2013.Consequentlythefollowingrestatementsapplythisyeartopreviouslyreported2013and2012data:
Metric
2013old(2013Citizenship
Report)
2013new(2014Annual
Report)
2012old(2013Citizenship
Report)
2012new(2014Annual
Report)
Apprenticeships 667 534 486 699
G4-23ReportsignificantchangesfrompreviousreportingperiodsintheScopeandAspectBoundaries.
TherewerenosignificantchangesfrompreviousreportingperiodsintheScopeandAspectBoundaries.
General Standard Disclosures
Identified material aspects and boundaries continued
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General Standard Disclosures
Stakeholder engagement Indicatorrequirement Disclosure Status
G4-24Providealistofstakeholdergroupsengagedbytheorganisation.
Seebelow
G4-25Reportthebasisforidentificationandselectionofstakeholderswithwhomtoengage.
Seebelow
G4-26Reporttheorganisation’sapproachtostakeholderengagement,includingfrequencyofengagementbytypeandbystakeholdergroup,andanindicationofwhetheranyoftheengagementwasundertakenspecificallyaspartofthereportpreparationprocess.
Seebelow
Barclays key stakeholder groups
Customers and Clients
Government and Regulators
Suppliers
Employees
Shareholders
NGOs and Interest Groups
Barclays
Establishinganongoingdialoguewithkeystakeholdersisanimportantpartofourapproach.Weconnectwithstakeholderstoshareinformationaboutourbusinessandstrategy,todevelopourcitizenshipprioritiesandprovideupdatesonperformance,aswellasopendoorsforcollaborationandpursuitofcommongoals.Wewanttofocusonareasthatareimportanttoourstakeholdersandarestrategicallyalignedtobothourbusinessperformanceandbroadersocialimpact.
During2014,Barclayscontinuedtoengagewithallitskeystakeholdersonaregularbasis,includingrepresentativesfromnon-governmentalorganisations(NGOs),thinktanks,corporateclients,academia,governmentorganisations,investors,consumergroupsandindustrybodies.
Indicatorrequirement Disclosure Status
G4-27 Reportkeytopicsandconcernsthathavebeenraisedthroughstakeholderengagement,andhowtheorganisationhasrespondedtothosekeytopicsandconcerns,includingthroughitsreporting.Reportthestakeholdergroupsthatraisedeachofthekeytopicsandconcerns.
Seebelow
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Stakeholder engagement continuedStakeholdergroup Issuesidentified Ourresponse
Customersandclients
Customerserviceenhancements
Complaints
IndividualandSMEsupportthroughtheprovisionofcredit
Transparencyandaccessibilityofproductsandservices
Buildinga‘Go-To’bankisfocusedonkeepingcustomersandclientsattheheartofwhatwedo.In2014,wecompletedsomemajorcustomerserviceenhancements.
Wecontinuetobeamajorproviderofpersonalandhousingfinance,bringinginnovativebankingsolutionsforfamiliesacrosstheworld
WecontributetogrowththroughourlendingandadvisorysupporttoSMEs
PleaseseetheStrategicReport2014forinformation
Withaviewtocontinuallyimprovingbankingexperiencewithus,wegatherandpublishcomplaintsdata.barclays.com/citizenship/reports-and-publications/uk-complaints-data.html
Employees Cultureandvalues
Diversityandinclusion
Traininganddevelopment
Ourcolleaguesformthecoreofourbusiness.Wearecommittedtoinvestinginthemandensuringtheyarefullyengaged.WeconductaglobalEmployeeOpinionSurvey,pleaseseepage74oftheAnnualReportforinformation
In2014,wecontinuedoureffortstoincreasetheproportionofwomeninseniorrolesbarclays.com/citizenship/the-way-we-do-business/diversity-and-inclusion.html
Robusttraininganddevelopmentinitiativesallowustorecruitandretaintoptalent
Shareholders Financialperformance
Strategicreview
Capitalandleverage
Barclaysiscommittedtopromotingeffectiveandopencommunicationwithallshareholders,ensuringconsistencyandclarityofdisclosureatalltimes.FormoreinformationonBarclays’2014financialperformance,pleaseseetheAnnualReport2014
DetailedinformationonInvestorRelationsispresentedbarclays.com/barclays-investor-relations.html
Suppliers Promptpayments
Diversityandinclusion
Oursustainabilityexpectationsofsuppliers
Weseeoursuppliersasanextensionofourbusinessandkeyinhelpingusbecomethe‘Go-To’bank
In2014,wecontinuedtopromotepromptpaymenttosuppliersacrosstheGroupandtrackthismetricunderourBalancedScorecard
Wearecommittedtosupplierdiversityandfurtherdevelopmentofoursupplychaininlinewithbestsustainabilitypractice.barclays.com/citizenship/our-approach/policy-positions.html
Governmentandregulators
Regulatoryreforms
Conductandcompliance
Beingaglobalsystemicallyimportantfinancialinstitution,ourpriorityistopromptlyrespondandkeeppacewiththeregulatorychanges
Barclayssupportedthecreationofabankingcodeofconductgovernedbyabodytooverseestandards,withaRegisterofApprovedBankers
Furtherinformationonpublicpolicyactivityisavailableonourwebsitebarclays.com/citizenship/reports-and-publications/public-policy.html
Non-governmentalorganisationsandinterestgroups
Needforachangeinvalues,conductandculture,alongwithalonger-termoutlook
Impactoflendingtosensitivesectors
Bankingsectorapproachtomanaginghumanrights
Supportingproductsandservicesthataddresssocialchallenges
WebelievethatbyengagingwithNGOsandinterestgroupsweimproveourpublicdisclosuresandmaintaingreateroveralltransparency.In2014,wecontinuedtoengagewithourstakeholdersthroughdialoguedays,debatesandforums
AsamemberoftheEquatorPrinciplesandtheUNEnvironmentProgrammeFinanceInitiative,wecontinuedtoapplyastringentriskmanagementapproachtoprojectfinanceandothertransactions,andcontributedtoindustrydebatesonthisandwidersustainabilityissues
WearecollaboratingwithotherEuropeanbanks,asamemberoftheThunGroup,toexaminehowtheUNGuidingPrinciplesforHumanRightsandBusinessmaybeintegratedintobankpoliciesandpractices.
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General Standard Disclosures
Report profile Indicatorrequirement Disclosure Status
G4-28Reportingperiod(suchasfiscalorcalendaryear)forinformationprovided.
Yearended31December2014.
G4-29Dateofmostrecentpreviousreport(ifany).
In2014,wemovedtofurtherintegrateourreportingandprovidekeycitizenshipperformanceinformationwithinourStrategicReport,aspartoftheAnnualReport.However,BarclayshasbeenproducingaseparateAnnualReportsince1990andaCitizenshiporCSRReportsince2002.
Theseareavailableinourarchives:forAnnualReportspleaseseebarclays.com/barclays-investor-relations/results-and-reports/annual-reports.html;forCitizenshipreportspleaseseebarclays.com/citizenship/our-approach/our-archive.html
Themostrecentpreviousreportsrelatetotheyearended31December2013.
G4-30Reportingcycle(suchasannual,biennial).
Annual.
G4-31Providethecontactpointforquestionsregardingthereportoritscontents.
G4-32Reportthe‘inaccordance’optiontheorganisationhaschosen.
ReporttheGRIContentIndexforthechosenoption.
ReportthereferencetotheExternalAssuranceReport,ifthereporthasbeenexternallyassured.
BarclaysreportsinaccordancewiththeCoreoptionoftheGRIG4Guidelines,asevidencedbythistable,AnnualReportandsupportingdisclosures.
RefertoG4-33fordetailsonassurance.
G4-33Reporttheorganisation’spolicyandcurrentpracticewithregardtoseekingexternalassuranceforthereport.
Ifnotincludedintheassurancereportaccompanyingthesustainabilityreport,reportthescopeandbasisofanyexternalassuranceprovided.
Reporttherelationshipbetweentheorganisationandtheassuranceproviders.
Reportwhetherthehighestgovernancebodyorseniorexecutivesareinvolvedinseekingassurancefortheorganisation’ssustainabilityreport.
SelectedBarclayscitizenshipdisclosuresareindependentlyassuredbyKPMG.Seepage32forfurtherdetail.
BarclaysCitizenshipLeadershipCouncilreviewscitizenshipassuranceengagementsanddetailedresultsandrecommendationsonanannualbasis.
Governance Indicatorrequirement Disclosure Status
G4-34Reportthegovernancestructureoftheorganisation,includingcommitteesofthehighestgovernancebody.Identifyanycommitteesresponsiblefordecision-makingoneconomic,environmentalandsocialimpacts.
BarclaysCorporateGovernanceReportandDirectors’ReportsetsoutthegovernancestructureandfurtherdetailontheBoardofDirectorsandBoardcommittees.
Environmental,socialandreputationalissuesformpartoftheremitoftheBoardConduct,OperationalandReputationalRiskCommittee(BCORR).TheCommittee’sreportfor2014isavailableonpage52oftheAnnualReport.
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Governance continuedIndicatorrequirement Disclosure Status
G4-51a.Reporttheremunerationpoliciesforthehighestgovernancebodyandseniorexecutivesforthebelowtypesofremuneration:
Fixedpayandvariablepay Performance-basedpay Equity-basedpay Bonuses Deferredorvestedshares
Sign-onbonusesorrecruitmentincentivepayments
Terminationpayments
Clawbacks
Retirementbenefits,includingthedifferencebetweenbenefitschemesandcontributionratesforthehighestgovernancebody,seniorexecutives,andallotheremployees.
b.Reporthowperformancecriteriaintheremunerationpolicyrelatetothehighestgovernancebody’sandseniorexecutives’economic,environmentalandsocialobjectives.
a.BarclaysDirectors’remunerationpoliciesanddisclosuresareavailableinthe2014RemunerationReportonpages77to110intheAnnualReport2014.
b.BarclaysBalancedScorecardcoversperformanceacrossthe5C’sincludingeconomic,socialandenvironmentalobjectives.
PleaseseetheStrategicReport2014forfurtherdetailonperformanceacrossthe5Cs(CustomerandClient,Colleague,Citizenship,ConductandCompany)intheBalancedScorecard.
G4-52Reporttheprocessfordeterminingremuneration.Reportwhetherremunerationconsultantsareinvolvedindeterminingremunerationandwhethertheyareindependentofmanagement.Reportanyotherrelationshipswhichtheremunerationconsultantshavewiththeorganisation.
PleaseseeBarclaysDirectors’RemunerationReport.
G4-53Reporthowstakeholders’viewsaresoughtandtakenintoaccountregardingremuneration,includingtheresultsofvotesonremunerationpoliciesandproposals,ifapplicable.
PleaseseeBarclaysDirectors’RemunerationReport.
G4-54Reporttheratiooftheannualtotalcompensationfortheorganisation’shighest-paidindividualineachcountryofsignificantoperationstothemedianannualtotalcompensationforallemployees(excludingthehighest-paidindividual)inthesamecountry.
WeprovidedetaileddisclosuresonremunerationinourAnnualReport;thisincludesadditionalremunerationdisclosures(includingvoluntarydisclosures)aboutlevelsofremunerationofemployeesintheBarclaysGroup.SeetheAnnualReportformoreinformation.
G4-55Reporttheratioofpercentageincreaseinannualtotalcompensationfortheorganisation’shighest-paidindividualineachcountryofsignificantoperationstothemedianpercentageincreaseinannualtotalcompensationforallemployees(excludingthehighest-paidindividual)inthesamecountry.
WeprovidedetaileddisclosuresonremunerationinourAnnualReport;thisincludesadditionalremunerationdisclosures(includingvoluntarydisclosures)aboutlevelsofremunerationofemployeesintheBarclaysGroup.SeetheAnnualReportformoreinformation.
Ethics and integrityIndicatorrequirement Disclosure Status
G4-56Describetheorganisation’svalues,principles,standardsandnormsofbehavioursuchascodesofconductandcodesofethics.
Barclays’valuesare–respect,integrity,service,excellenceandstewardship–anddriveeverythingwedotoachieveourambitionofbecomingthe‘Go-To’bank.
TheBarclaysWaywaslaunchedin2013,replacinganumberofexistingcodesofconductwithoneunifyingdocument.Thecodewasupdatedin2014andwelaunchedarevisedlearningmoduleandattestationprocessbasedonanassessmentpassrequirementtotestunderstanding.Asatend2014,98%ofourcolleagueshadattestedtotheBarclaysWay(2013:85%).TheBarclaysWayisavailableonourwebsite.barclays.com/citizenship/our-approach/policy-positions.html
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Specific Standard Disclosures
Category: EconomicIndicatorrequirement Disclosure Status
G4-DMADisclosuresonmanagementapproach.
Asuccessful,vibrantfinanceandbankingsectorisanessentialenablerofsocialandeconomicprogress,growthanddevelopment.
Wefocusonthreekeymaterialaspectsintheeconomiccategory:
(1) Economic performance–webelievethebestwaytosupportourstakeholdersisbyoperatingastrong,profitableandgrowingbusiness,whichcreatesjobsandcontributestotheeconomicsuccessofthecommunitiesinwhichweliveandwork.
Ourstrategytodelivereconomicperformanceandkeyfinancialperformanceindicatorsfor2014areavailableintheStrategicReport.
(2) Indirect economic impacts–banksplayacentralroleinfinancingtherealeconomy;includingindividualsandhouseholds;smallbusinesses;corporates;andinstitutionsandgovernments.
Ourbusinessmodelenablesustomaintainrelevancetoourcustomersandclients,whateverstageoflifetheyarein.Forexample,forindividuals,ourmodelcanprovideasafeplacetostoresavings,helpafirst-timebuyermaketheirfirststepsontothepropertyladder,createaninvestmentportfolioaswealthgrows,orprovidecross-borderadvicefortheaffluent.Forbusinessesthismeansbeingreadytohelpentrepreneurslaunchabusiness,funditsgrowth,expandinternationally,protectagainstcurrencyrisk,andissuebondsandlistedequityshares.
(3) Community support–Barclaysplaysabroaderroleinthecommunitiesinwhichweliveandworkbeyondwhatwedeliverthroughourcorebusinessactivities.Wesupportcommunitiesby:
Investingmoney,timeandskillsinpartnershipswithrespectedandrelevantnon-governmentalorganisations,charitiesandsocialenterprises.Readmoreaboutourcommunityinvestmentprogrammes.barclays.com/citizenship/supporting-communities/our-programmes.html
Enablingcolleaguestousetheirprofessionalskillsandexpertiseinarangeofactivities,includingvolunteeringandfundraising.Readmoreaboutouremployeeprogrammesbarclays.com/citizenship/supporting-communities/employees-in-action.html
WeworkinpartnershipwithNGOsandexpertstodevelophigh-performingprogrammesandvolunteeringopportunitiesthatharnesstheskillsandpassionofBarclays’employees.Ourdonationspolicyisavailableonourwebsitebarclays.com/citizenship/supporting-communities/reaching-our-goal.html.
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Specific Standard Disclosures
Aspect: Economic performanceIndicatorrequirement Disclosure Status
G4-EC1Directeconomicvaluegeneratedanddistributed.
WereportthedirecteconomicvaluegeneratedanddistributedinourfinancialreviewintheAnnualReport,includingrevenues,operatingcosts,economicvalueretainedanddividendspaid
Wepublishasummaryofturnover,profits,employees,taxespaidandsubsidiesreceivedbycountryinthe2014‘CountrySnapshot’availableonlinebarclays.com/citizenship/reports-and-publications/country-snapshot.html
Direct economic value generated and distributed
VALUEGENERATED 2014 2013 2012
Revenues(TotalIncome) £25,288m £27,935m £25,009mVALUEDISTRIBUTED
Shareholders
Dividendspaidtoshareholders £1,057m £859m £733m
Government
Taxesborne1 £3,485m £3,374m £3,234m
Taxescollected2 £3,187m £3,044m £2,856m
Employees
Groupcompensationcosts £8,891m £9,616m £9,579m
Communities
Globalinvestmentinourcommunities £62.4m £72m £64.5m
1. TaxesbornearetheCompany’sowntaxcontribution,representingtaxespaidorsufferedatsourcebytheCompanyintheyear.2. Taxescollectedarethosecollectedfromemployeesandcustomersonbehalfofgovernments.TheVATcollectedrepresentsBarclays’contributiontothepublicfinancesand
comprisesVATchargedonsalestoclientslessVATincurredoncoststhatBarclaysisentitledtorecover.
Taxcharts–pleaseseetheCountrySnapshot2014formoreinformation
Tax paid globally (£m)
1
2
3
45 1 Corporate
incometax1,552
2 SocialSecurity1 6933 VAT 6264 Banklevy 5255 Other2 89
Tax paid by region (£m)
1
2
3
45 1 UK 1,713
2 Americas 6833 Europe(excl.UK) 5384 Africaand
MiddleEast410
5 AsiaPacific 141
Tax paid in the UK (£m)
1
2
3
4
5 1 Corporateincometax
208
2 SocialSecurity1 4313 VAT 4824 Banklevy 5255 Other2 67
1. SocialSecurity–includesemployernationalinsurancecontributions.2. Other–includesmaterialpropertytaxes.
CommunityInvestment
Invested in our communities in 2014 (%): £62.4m
85
6
9
Management cost
Cash
Volunteer work time contribution
Communityinvestmentemployeeprogrammeparticipation
Metric 2014
TotaluniquecolleaguesparticipatinginBarclays’volunteeringfundraisingorgivingprogrammes 65,000
Totalnumberofvolunteeringhours 419,000
Totalamountraisedandmatchedthroughfundraisingandgiving £32.19m
Totalnumberofcolleaguesparticipatinginfundraising 19,000
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Specific Standard Disclosures
Aspect: Economic performance continued Beneficiary/outputandimpactfigures
Metric 2014
10-35yearoldssupportedinbuildingskillsthroughourcommunityprogrammes 1.76m
Number of young people:
supportedinreceivingenterpriseskillstraining 249,000
startedabusinessorincome-generatingactivity 24,000
receivedemploymentskillsorjobtraining 482,000
securedworkplacementsorinternships 10,000
achievedemployment 15,000
helpedwithliteracyand/ornumeracysupport 227,000
accessingfurthereducation 42,000
receivingfinancialskillssupport 1.1m
Aspect: Indirect economic impactsIndicatorrequirement Disclosure Status
G4-EC8Significantindirecteconomicimpacts,includingtheextentofimpacts
Bysupportingourcustomersandclientsandworkinginpartnershipwithotherstakeholderswecancreateanenvironmentinwhichindividuals,institutionsandgovernmentsareabletoinvestinsustainableprogressandenablegrowth
Toachievelong-termsustainableeconomicgrowth,anumberofpolicychallengesmustfirstbeaddressed,including:raisingemployment,improvingaccesstohousingandsupportingfamiliesinplanningfortheirfutures.Allofthesegoalsrelyonaccesstoappropriateandresponsiblefinance.Inaddition,newsolutionstohelptacklesocialandenvironmentalchallengesalsoneedaccesstoappropriatefinancingtohelpinnovate,develop,commercialiseandscaledeployment
Banksplayakeyroleinenablingtheflowofcapitaltowardsenvironmentallyorsociallybeneficialactivity.Arangeofbusinesslinesacrossourfirmareactivelyinvolvedindeliveringsolutionsacrossproductgroups,geographiesandindustrysectors
Financing the real economy – Citizenship Plan metrics 2014 2013 2012
Newandrenewedlendingtohouseholds(CitizenshipPlan)* £40.3bn £34bn £33.4bn
Newandrenewedlendingtosmallandmediumsizedenterprises(SMEs)(CitizenshipPlan)*
£14.0bn £13.4bn £11.1bn
Assistonraisingfinancingforbusinessesandgovernments(CitizenshipPlan)* £817bn £840bn £830bn
*Definitionsavailableonpage34.
Supporting small business and enterprise Asamajorbankwearecommittedtoidentifyingandnurturingthehighestpotentialbusinesses,thosemostabletodelivergrowthandjobs,
whilestillensuringthewiderSMEcommunityhasthesupporttheyneedtogrowandprosper Inordertohelpbusinessesgainconfidencewehaveprovidedmorethan65,184peoplewithbusinessadviceandsupportthroughseminars,
tools,clinicsandworkshops.Thisconsistedofover22,308peopleintheUKandmorethan42,876attendeesatsmallbusinesssupportseminars,trainingsandworkshopsinSouthAfrica
Furtherdetailonourentrepreneursupportprogrammesandactivityisavailableatbarclays.com/citizenship/contributing-to-growth/entrepreneurs.html
Additional information Increasingaccesstofinancialservices(seepage25) Financingsocialandenvironmentallybeneficialactivity(seepage30and31) Youthskillsdevelopmentprogrammes(seepage17).
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Category: EnvironmentalIndicatorrequirement Disclosure Status
G4-DMA AtBarclaysweaimforcontinuousimprovementinmitigatingourdirectenvironmentalimpacts,reducinguseofnaturalresourcesandpreventingpollution.Barclays’approachtomanagingenvironmentalimpactsissetinBarclaysEnvironmentalSustainabilityPolicyaspertheCompaniesAct2006(StrategicReportandDirectors’Report)Regulations2013,BarclaysreportsontheirgreenhousegasemissionsaspartofourAnnualDirectors’Report.
Environmentaldataiscollectedandreportedforalloffices,retailbranchesanddatacentreswhereBarclayshasoperationalcontrolandisfinanciallyresponsiblefortheutilitysupply,andasdefinedbytheWorld Resources Institute/World Business Council for Sustainable Development (WRI/WBCSD) Greenhouse Gas Protocol (GHG): A Corporate Accounting and Reporting Standard, Revised Editiona.
Environmentaldatafromjointventures,investments,orsub-leasedpropertiesthatareownedorleasedbyBarclayshavenotbeenincludedwithinthereportedfigures.
Environmentaldatafromtravelisreportedforbusiness-relatedtravelonly,andexcludescommutingtravel.
Reporting periodEnvironmentaldatafor2014and2013isreportedfortheperiodsrunningfrom1Octoberto30September.
EnvironmentaldatafortheperiodsbeforethatisreportedonthebasisofBarclays’financialyear,runningfrom1Januaryto31December.
ThischangeinperiodwasadoptedinordertomeetreportingdeadlinesfortheAnnualReportandmeetreportingrequirementsundertheCompaniesAct.
Notea www.ghgprotocol.org
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Specific Standard Disclosures
Aspect: MaterialsIndicatorrequirement Disclosure Status
G4-EN1Materialsusedbyweightorvolume
Paperusageintheyearwas:
2014data 2014coverage 2013data 2013coverage
4,892tonnesa 83% 4,283 tonnes 85%
Aspect: Energy Indicatorrequirement Disclosure Omissions Status
G4-EN3Energyconsumptionwithintheorganisation
2014data 2014coverage 2013data 2013coverage
1,355,451MWhp
100% 1,506,075 MWh
100%Doesnotcurrentlyincludeemissionsfromtheuseofcourierservices.
Aspect: Water Indicatorrequirement Disclosure Status
G4-EN8Totalwaterwithdrawalbysource
2014data 2014coverage 2013data 2013coverage
1,310,949m3 42% 1,436,305 m3 44%
NotespWithinKPMG’slimitedassurancescope.Pleaseseepage32.
a Anincreaseinglobalpaperconsumptionwasnotedin2014duetoanincreaseinconsumptioninSouthAfricaandacrosstherestofEurope.Coveragehasfallenin2014duetoareductioninthenumberofsitesreportingpaperdataincomparisonto2013.
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Aspect: Emissions Indicatorrequirement Disclosure Omissions Status
G4-EN15Directgreenhousegasemissions(scope1).
Ourscope1greenhousegasemissionsarereportedonpage71oftheAnnualReport.
Scope 1 building-related emissionsScope1buildingrelatedemissionsincludedieselfuelandnaturalgasforourglobaloperations.Thereportcovers100%ofourportfoliobyfloorspace,asdefinedinthe‘reportingboundaries’section.Forrealestate-relatedCO2eemissions,81%ofthereportedemissionscomefromdataprovidedbyon-sitedelegates,invoicesandmeterreadings,asopposedtoestimates.Fordatacentres-relatedCO2eemissions,100%ofthereportedemissionscomefromdataprovidedbyon-sitedelegates,invoicesandmeterreadings.
Scope 1 travel-related emissionsTravel-relatedemissionscover98%oftravel,andhaveanaccuracyrateof95%.Thetravel-relatedemissionscoverageisbasedoncoverageassumptionsfromourtravelprovidersandreflectsthefactthattheremaybeasmallamountoftravelthatisnotcapturedthroughourcentralbookingsystems.Coverageiscalculatedonaweightedbasis,basedontheproportionofthetotaltravelcarbonfootprintthateachtravelmoderepresentsandthecoverageandaccuracyofthedifferentdatasets.
Total emissions by scope 2014 (tonnes CO2e)
1
2
31 Scope1:
Directcombustionoffuels,andcompany-ownedvehicles(fromUKandSouthAfricaonly,whicharemostmaterialcontributors).Scope1excludesfugitiveemissions.
49,994p
2 Scope2:Purchasedelectricityandsteamforownuse.
655,426p
3 Scope3islimitedtoemissionsfrombusinesstravelwhichcoversglobalflightsandgroundtransportfromtheUKandSouthAfrica.2014carhiredataalsocoverstheUSandIndiaonly.Groundtransportationdata(excludingscope1companycars)coversonlycountrieswherethistypeoftransportismaterialanddataisavailable.
125,248p
Doesnotcurrentlyincludeemissionsfromtheuseofcourierservices.
G4-EN16Energyindirectgreenhousegasemissions(scope2).
Ourscope2greenhousegasemissionsarereportedonpage71oftheAnnualReport.scope2emissionsareallbuildingrelatedandincludeelectricityandsteamforourglobaloperations.Thereportingboundariesarethesameasforscope1buildingrelatedemissions.
Electricity: 1,197,966,797 kWh
Steam: 8,442,532 kWh
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G4-EN17Otherindirectgreenhousegasemissions(scope3).
Ourscope3greenhousegasemissionsarereportedonpage71oftheAnnualReport.Scope3emissionsincludeairtravelforourglobaloperations,privateandhirecarsforourUKandSouthAfricaoperations,aswellastaxisandrailtravelintheUK.2014carhiredataalsocoverstheUSAandIndiaonly.Thereportingboundariesarethesameasforscope1travel-relatedemissions.
flights: 112,940 tonnes CO2e
privatecars: 9,500 tonnes CO2e
rail: 1,160 tonnes CO2e
taxis: 370 tonnes CO2e
carhire: 1,250 tonnes CO2e
Doesnotcurrentlyincludeemissionsfromtheuseofcourierservices.
G4-EN18 Greenhousegas(GHG)emissionsintensity.
Ourgreenhousegasemissionsintensityisreportedonpage71oftheAnnualReport.
G4-EN19Reductionofgreenhousegas(GHG)emissions.
In2013,BarclayssetanewCO2ereductiontargetof10%byendof31December2015,comparedtoa2012baseline.Thiscommitmentispublishedinthe2015CitizenshipPlan.Bytheendof2014,weexceededthistargetbyreducingourgreenhousegasemissionsby21.7%ascomparedtoa2012baseline.Alsorefertopage71oftheAnnualReport.
Aspect: Effluents and waste Indicatorrequirement Disclosure Omissions Status
G4-EN23Totalweightofwastebytypeanddisposalmethod.
2014data2014
coverage
Totalwaste–16,195tonnes 45%
TotalconsumptiondataexcludesAfrica,Asia-PacificandtheMiddleEast.
Aspect: Products and servicesIndicatorrequirement Disclosure Status
G4-EN27Extentofimpactmitigationofenvironmentalimpactsofproductsandservices.
OurEnvironmentalRiskManagement(ERM)teamensuresthatenvironmentalissuesformpartofcreditriskassessment,andthatenvironmentalriskpoliciesareclearlyreferencedinourcreditsanctioningstandards.Ourpropertyandlandvaluerscanuseourenvironmentalscreeningproduct,BarclaysSiteGuard,toassessthehistoryofapieceoflandandtheoperationalimplicationsofasite’scurrentorintendedcommercialuse.Whereappropriate,casesarereferredtoBarclaysERMforreview.In2014,4,227commercialpropertieswerescreened,with1,397casesreferred.
BarclaysfulfilstherequirementsoftheEquatorPrinciples(EP),aninternationallyrecognisedframeworkforenvironmentalandsocialriskduediligenceinprojectfinance.Barclayswasoneoffourbankstocollaborateondevelopingtheprinciples.In2014,302transactionswerereviewedinBarclays’centralcreditriskteam,ofwhichfiveweresubjecttoscrutinyagainsttheprinciples’duediligenceframework.
Aspect: ComplianceIndicatorrequirement Disclosure Status
G4-EN29Monetaryvalueofsignificantfinesandtotalnumberofnon-monetarysanctionsfornon-compliancewithenvironmentallawsandregulations.
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Category: SocialSub-category: Labour practices and decent work
Indicatorrequirement Disclosure Status
G4-DMADisclosuresonmanagementapproach.
In2013,wecoveredasignificantamountofgroundonourjourneytobecomingthe‘Go-To’bankandcontinuingtoattract,developandretainthebesttalentwillbecriticaltooursuccess.Thisyear,wehavemademajorchangestoourinternalpoliciesandpractices,particularlyintheareasofleadership,talent,rewardandperformance,tosupportourcommitmenttomakingBarclaysavalues-drivenbusiness.
Aspect: EmploymentIndicatorrequirement Disclosure Status
G4-LA1Totalnumberandratesofnewemployeehiresandemployeeturnoverbyagegroup,genderandregion.
In2014,theoverallemployeeturnoverwas19.87%.
Aspect: Diversity and equal opportunityIndicatorrequirement Disclosure Status
G4-LA12Compositionofgovernancebodiesandbreakdownofemployeesperemployeecategoryaccordingtogender,agegroup,minoritygroupmembershipandotherindicatorsofdiversity.
Wereportfemale,multiculturalandmultigenerationalrepresentationonpage75oftheAnnualReport.
Aspect: Equal remuneration for women and menIndicatorrequirement Disclosure Status
G4-LA13Ratioofbasicsalaryandremunerationofwomentomenbyemployeecategory,bysignificantlocationsofoperation.
RemunerationbybandforemployeesintheBarclaysGroupisavailableintheRemunerationReportonpages77to110oftheAnnualReport2014.
Sub-Category: Human rightsIndicatorrequirement Disclosure Status
G4-DMADisclosuresonmanagementapproach.
AtBarclaysweoperateinaccordancewiththeInternationalBillofHumanRights,includingtheUNGuidingPrinciplesonBusinessandHumanRights,andtakeaccountofotherinternationallyacceptedhumanrightsstandards.Wealsorespectandpromotehumanrightsthroughouremploymentpoliciesandpractices,throughoursupplychainandthroughtheresponsibleprovisionofourproductsandservices.BarclaysStatementonHumanRightssummarizesourobjectivesandcommitmentsinthisareabarclays.com/citizenship/our-approach/policy-positions.html
Aspect: InvestmentIndicatorrequirement Disclosure Status
G4-HR1Totalnumberandpercentageofsignificantinvestmentagreementsandcontractsthatincludehumanrightsclausesorthatunderwenthumanrightsscreening.
EvaluationofHumanrightsandsocialaspectsisintegratedintoourproductdevelopment,businessrelationshipsandtransactionreview.HumanrightsarereferencedexplicitlyinourCodeofConduct–TheBarclaysWayandSupplierCodeofConduct.
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Sub-Category: SocietyIndicatorrequirement Disclosure Status
G4-DMADisclosuresonmanagementapproach.
Weaspiretorunourbusinessinanopenandtransparentmannerandthereforetakeazerotoleranceapproachtobriberyandcorruption.BarclaysAnti-BriberyandAnti-CorruptionPolicyandStandardssummarizeourcommitmentsinconductingourglobalactivitiesfreefromanyformofbriberyandcorruption.
Barclaysplaysabroaderroleinthecommunitiesinwhichweliveandworkbeyondwhatwedeliverthroughourcorebusinessactivities.Wedothisthroughcommunityinvestmentprogrammes,andthedirecteffortsofouremployeesbarclays.com/citizenship/supporting-communities.html
Aspect: Anti-corruptionIndicatorrequirement Disclosure Status
G4-SO3Totalnumberandpercentageofoperationsassessedforrisksrelatedtocorruptionandthesignificantrisksidentified.
BarclaysconductsacomprehensiveAnti-BriberyandAnti-Corruption(ABC)RiskAssessmentonanannualbasis.Thiscoversalloperationsglobally,dividedinto97assessmentunitsalongbusiness,functionalandgeographicallines.TheRiskAssessmentisadministeredbytheFinancialCrimeteamwhomonitorsthecompletionofactionplanstomitigatekeyrisksidentified.Theseriskstendtorelatetothecountrieswhereweconductbusiness,howweengagecertainpartsofourdiversecustomerbase,howwemanagethird-partyrelationshipsorareasofouranti-briberyandanti-corruptioncontrolframeworkthatrequirefurtherstrengthening.
G4-SO4Communicationandtrainingonanti-corruptionpoliciesandprocedures.
OurABCpolicyappliestoallbusinesses,functionsandgeographiesgloballyandcovers100%ofBarclays’operations.Wehaveazerotoleranceapproachtowardsanyformofbriberyorcorruption.The‘BarclaysStatementonBriberyandCorruption’canbedownloadedfromtheBarclayswebsite.barclays.com/citizenship/our-approach/policy-positions.html
OurABCpolicy,standards,proceduresandtrainingaredesignedtoensurecompliancewithallapplicableanti-briberylawsincountriesinwhichweoperate.
WehaveacomprehensiveglobalABCtrainingprogrammewhichconsistsofmandatorygeneralawarenesstrainingdeliveredviatheBarclayslearningmanagementsystem.Thistrainingisfurthersupplementedbyrole-specificenhancedABCtraining(online,paper-basedorfacetoface)forareasofourbusinesswherewehaveindentifiedincreasedABCrisks.
Inaccordancewithourrisk-basedapproachtomanagingABCrisk,wealsoassesswhetherourincreasedriskthirdpartiesshouldberequiredtoundertakeABCtraining.
G4-SO5Confirmedincidentsofcorruptionandactionstaken.
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Aspect: Public policyIndicatorrequirement Disclosure Status
G4-SO6Totalvalueofpoliticalcontributionsbycountryandrecipient/beneficiary.
TheGroupdidnotgiveanymoneyforpoliticalpurposesintheUKortherestoftheEUnordiditmakeanypoliticaldonationstopoliticalpartiesorotherpoliticalorganisations,ortoanyindependentelectioncandidates,orincuranypoliticalexpenditureduringtheyear.
Aspect: ComplianceIndicatorrequirement Disclosure Status
G4-SO8Monetaryvalueofsignificantfinesandtotalnumberofnon-monetarysanctionsfornon-compliancewithlawsandregulations.
PleaseseeNote29totheFinancialStatementscontainedinourAnnualReport2014whichoutlinesourlegal,competitionandregulatorymatters.
Aspect: Local communitiesIndicatorrequirement Disclosure Omissions Status
FS13*Accesspointsinlow-populatedoreconomicallydisadvantagedareasbytype.
Initiativesreportedrepresentaselectionofexamples.
InSouthAfrica,theFinancialSectorCodetargetsaimtoincreaseaccesstofinancialservicesincludinggeographicaccess,electronicaccessandbankingdensification.WehaveworkedactivelytoexpandthereachofoursalesandservicepointssincetheinceptionofthepreviousFinancialSectorCharterand,asaresult,haveseenarapidincreaseinourcoveragesince2005.In2014,59.5%(2013:57.4%)ofourentry-levelcustomers(correspondingwithlivingstandardsmeasure(LSM1to5))livedwithinfivekilometresofatransactionpoint;73.3%(2013:72.8%)livedwithin10kilometresofaservicepoint;and74.6%(2013:74.5%)livedwithin15kilometresofasalespoint.Wheneverweopenorclosepointsofpresence,wecarefullyconsidertheresultingimpactoncoverageand,inthecaseofclosures,identifyasuitablealternative.Amongthesecustomers,electronicaccesspenetrationhasgrownto14.9%from14.3%in2013.
Electronicplatformsofferaconvenientandlow-costalternativetotraditionalbankingchannels.Ourpricingmodelencouragesandrewardscustomerswhoopttomakeuseofelectronicordigitalchannelsasopposedtobankinginthetraditionalway.Forexample,inSouthAfrica,wehaveretainedfreeaccesstointernetbanking–enablingourcustomerstotransactanytime,anyplace,andatnomonthlycost.WecontinuetoenhanceourATMfunctionalitytoincludeservicessuchasCashSend(customerscanelectronicallytransferfundsviamobileorinternetbankingtoarecipient,whoisthenabletowithdrawthefunds,withoutneedingacardorbankaccount).ScanandPay–allowsanyonetomakepaymentstoselectedbeneficiaries,byeitherscanningorkeyinginareference/accountnumber.Inaddition,weareexpandingourbranchlessbankingpartnerstoincludemoreretailersacrossthecountry.In-storebankinghasbeenenabledatover1,000ofourretailmerchantsallowingcustomerstodepositandwithdrawmoney,checkbalances,obtainmini-statementsandbuypre-paidairtime.AlmostR120millionworthofhigh-volume,low-valuetransactionswereprocessedthroughthischannelin2014.
OurpartnershipwithretailerPEPStores,aretailerwithanextensiveretailfootprint,enablesincreasinglydeeperpenetrationtoserviceunderbankedconsumers,frommoneytransferstoasimpleandaffordabletransactionalaccount.Workingwithpartnersdeliversalternativechannelstofacilitateaccesstobankingandfinanceservicestothepeopleinmarginalisedandpoorcommunities.Wecontinuetoextendandenhancetheproductsandservicespropositionstocustomersinthesemarkets.
IntheUK,wehaveanalysedEconomicDisadvantage/LowpopulationdensityusingLocalAuthority(LA)boundaries–thesedividetheUnitedKingdominto377zones.Wehaveusedacombinationofdatasourcedfrompoverty.org.uk(e.g.benefitsclaimed,pensioncredits,unemployment,lowwages)togetherwithpopulationsdrawnfromthe2011UKCensustoidentify65LAsthatmightbedescribedasareasundereconomicstress.267ofourbranches(18%)arepresentintheseareas,anumberwhichhasreducedbyeightthisyeartoendSeptember(17%ofclosures).TwentytwopercentofourremoteATMestateispresentintheseLAs.Bywayofcomparison21%ofourcompetitors’branchesarepresentintheseLAs.OurlowhistoricbranchpresenceinScotlandimpactsthecomparisons,withScotlandhavingmanyofthelowestdensityLAs.Ourreachintotheseareasofeconomicstressislittlechanged,remainingat18%inthatlastninemonths.
Note*FinancialServicesSectorDisclosuresdocument
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FS14*Initiativestoimproveaccesstofinancialservicesfordisadvantagedpeople.
Initiativesreportedrepresentaselectionofexamples.
AtBarclays,wethinkthatprovidinglarge-printstatementsorensuringstep-freeaccesstobranchesisallwellandgood.Butwewanteverycustomertoenjoychoiceandindependenceinallaspectsofmoneymanagement.Sowehavesetourselvesanambition:TobetheUK’smostaccessibleandinclusivebank.
Wedonotthinkofanyofourcustomersas‘alternative’.Sowedonotthinkanyoneneeds‘alternative’services.Wethinkwhatallourcustomerswant–anddeserve–isservicesdesignedsothataccessibilityiswithoutquestion.Toachievethataimwehavebeenmovingourmindset,shiftingthefocusfromremovingbarrierstodesigningservicesthatarebarrierfree.Herearejustafewoftheservicesthathavealreadyhelpedwidenourproductavailability:
SignVideoAnoptionforcustomerswhouseBritishSignLanguage(BSL)astheirfirstlanguage.BysimplyclickingSignVideoonourwebsite,BSLusersareconnectedtoaninterpreterviawebcamwhocanthenfacilitateconversationswithaBarclays’callcentrecolleague.
Audio cash machinesWenowhaveover4,000audiocashmachines.Customersjustinserttheirownheadphonesintotheheadphonejackonthefrontofthecashmachine.OurTVadvert,featuringvisuallyimpairedcomedianChrisMcCausland,raisedawarenesswithnon-disabledanddisabledaudiencesalike–andquiteafewlaughsalongtheway.
High-visibility debit cardsWehavebeenofferingcustomerspersonalisedpaymentcardssince2012,butnowwecanprovide12distinct,high-visibilitycarddesignstomakebankingeasierforpeoplewithavisualimpairmentorwithconditionssuchasdyslexia.Barclaysiscontinuallydevelopingthisproductofferingandthelatestinnovationisatactilenotchonthecardtofurtherimproveusabilityforcustomerswithavisualimpairment.
Africa BankingInAfrica,wefocusonrelevantaffordableproductsandservices;innovativedeliverychannelsdesignedtofacilitateeasieraccesstofinancialservices;andconsumereducationthatimprovesfinancialliteracy.Wehaveaclearfocusondevelopinginnovativewaystoimproveaccesstoeconomicallydisadvantagedpeople.
InadditionaltothediscussioninFS13,wecontinuetocreateanumberofnewproductsaimedtoincreaseaccesstofinancialservices.Forexample,inSouthAfrica,ourfirst-to-marketFamilySpringboardhomeloanallowsfriendsorfamilymemberstohelpeachotherbyopeninganinterest-bearingFixedDepositaccount,ceding10%ofthepurchasepriceassecurityfortheloan.Theborroweressentiallygetsa100%bondwiththeassistanceofafriendorfamilymemberwillingtoactasasponsor.
Stokvels–orgroupsavingsandlending–havelongbeenasafetynetformillionsofAfricans,providingfinancialsecurityandsocialwell-being.InSouthAfrica,theAbsaClubAccountoperatesasaconvenientsavingsandtransactionaltoolforgroupsofpeoplewithcommonfinancialinterestswhowanttosavetogether.
TheaffordablehousingbusinessunitinSouthAfrica(MyHome)addressesthehousingchallengesfacedbyconsumerswhoearnlessthanR18,600permonthinsupportoftheSouthAfricangovernmentagendaonprovidingaffordablehousingtopeople.In2014,weprovided4,566customerswithhomeloanfinanceatatotalvalueofR1,490m.
In2014,wecontinuedwithourSheshaGamificationinitiative,amobilephoneapplication-basedgame,designedtoempowerourcustomerswithbasic,yeteffective,knowledgetomakebetterbankingdecisions.
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Sub-category: Product responsibilityIndicatorrequirement Disclosure Status
G4-DMADisclosuresonmanagementapproach.
Responsible lendingWesupportretailcustomerswhoarefacingdifficultiesinanumberofways.Anaffordabilityassessmenttakesintoaccountthenatureofthecustomer’sdifficultiesandabilitytorepay,toensurethatanysolutionsareappropriate,responsibleandsustainable.
Forexample,supportformortgagecustomerswhomeetourcriteriacouldinclude:
Allowingthemtoswitchfromcapitalandinterestloanstointerestonly
Offeringshort-termreductionsinrepaymentamounts
Allowingthelonger-termrestructuringofmortgageloans,eitherbyextendingthetermorreducingtheinterestrates.
Ourteamsaretrainedtorecognisesignswherecustomersareinfinancialdifficulty,suchasunauthorisedborrowing,incurringsignificantfeesorpersistentoverdraftbalances.Thisenablesustointerveneatanearlystageandofferproactiveadviceonthebestwaytogetoutofdebtandbackontrack.
IntheUK,wehelpcustomersdothisinavarietyofways,including:
Reductionsinminimumpaymentrequirementsforcreditcards
Short-termreductionsinloanrepaymentamounts
Longer-termplansthatcombinelowerrepaymentswithreducedinterestrates.
SeetheAnnualReportRiskReviewsectionformoredetailonourforbearanceprogrammes.
Policies with specific environmental and social components applied to business linesOurEnvironmentalandSocialRiskImpactAssessmentinLending(ESIA)policybarclays.com/citizenship/our-approach/policy-positions.htmlappliestoprojectfinanceproposalsforanassetthatmaygiverisetoenvironmentalorsocialrisks.ItisalsothemechanismthroughwhichweapplytheEquatorPrinciples.Theseprinciplesareaninternationallyrecognisedframeworkforenvironmentalandsocialriskduediligenceinprojectfinance.Barclayswasoneoffourbankstocollaborateondevelopingtheprinciplesaheadoftheirlaunchin2003.Therearetodayover80banksworldwidethathaveadoptedtheEquatorPrinciples.(Seewww.equator-principles.com.)
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Weconsiderenvironmentalandsocialissuestobeamainstreambusinessrisk,whichiswhytheyareincorporatedintoourcorecreditdecision-makingprocess.WearecommittedtoundertakingenvironmentalassessmentsofanyprojectfinanceapplicationformorethanUS$10m,asstipulatedbytheEquatorPrinciples.Wealsoreviewapplicationsbelowthisthresholdonacase-by-casebasis.WehaveadedicatedEnvironmentalRiskManagement(ERM)teamasapartofourHeadOfficeCreditRiskfunction,togetherwithfurtherERMresourceintheCreditRiskfunctioninSouthAfrica.
In2014,therewere302transactionsreviewedinthecentralteam,ofwhichfiveweresubjecttoscrutinyagainsttheEquatorPrinciples’duediligenceframework.WithregardtoCategoryAandBprojects,rigorousadherencetotheprovisionsoftheEquatorPrinciplesensuresthattheBankwouldonlyproceedwithsuchtransactionsifpotentiallyadverseenvironmentalandimpactsareappropriatelymitigated.
Project finance screened in line with Equator Principles
Sector A1 B2 C3
Mining 1 0 0
Infrastructure 0 0 0
Oilandgas 1 1 0
Power 0 0 0
Others 0 0 2Region A B C
Americas 1 1 0
Europe,MiddleEastandAfrica 1 0 2
Asia-Pacific 0 0 0Countrydesignation A B C
Designated 1 1 2
Undesignated 1 0 0Independentreview A B C
Yes 2 1 0
No 0 0 2
Total 2 1 2
Grand total 5
1.CategoryA–Projectswithpotentialsignificantadversesocialorenvironmentalimpactswhicharediverse,irreversibleorunprecedented.
2.CategoryB–Projectswithpotentiallimitedadversesocialorenvironmentalimpactsthatarefewinnumber,generallysite-specific,largelyreversibleandreadilyaddressedthroughmitigationmeasures.
3.CategoryC–Projectswithminimalornosocialorenvironmentalimpacts.
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Other transactions
Sector
Agriculture,fisheries,forestryandlogging 9
Chemicalsandpharmaceuticals 13
Infrastructure 18
Manufacturing 63
Metalsandmining 57
Oilandgas 36
Power(fossilfuels,nuclearpower) 39
Renewablepower(biomass,hydro(dams),hydro(runofriver),solar,tidal,wind)
25
Utilitiesandwastemanagement 6
Other 31Geography
Americas 26
Europe,MiddleEastandAfrica 219
Asia-Pacific 30
Global 23
Total 297
Processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions OurESIApolicyissupportedbyatoolkitforemployeescomprisingarangeofpracticalguidancedocuments.Theseincludeadetailedprocessguide,ascreeningtool,guidanceforengagingconsultantsforenvironmentalassessmentsandsampleclausesforloandocumentation.Wealsohavedetailedguidancenotesforsectorswhereenvironmentalandsocialrisksarecommonandspecificpoliciesonhighlysensitivesectorssuchasdefence.Iftransactionsareescalatedforfurtherconsiderationatamoreseniorlevel,wewill,whereapplicable,workwiththecompanytomitigatetheriskscausingconcern,buildenvironmentalmanagementrequirementsintocontracts,orifappropriateactionisn’ttakenortherisksaredeemedtoohigh,wemaydeclinesupportforthefinanceapplication.
Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines WehaveprovidedtrainingtoanumberofcreditriskmanagersacrosstheGrouponenvironmentalandsocialriskassessments,reinforcingawarenessofwhentoreferspecifictransactionstothisspecialistteam.
Interactions with clients/investees/business partners regarding environmental and social risks and opportunities Engagementwithclientsisonacase-by-casebasis.Ifpotentialrisksassociatedwithaparticulartransaction/clientarehighlightedthroughtheERMprocess,ourERMteammayengagewiththecompanytodiscussmitigationoptions,wherenecessarybuildenvironmentalmanagementrequirementsintocontracts,orifappropriateactionisnottakenortherisksaredeemedtoohigh,wemaydeclinesupportforthefinanceapplication.OnourwebsiteweprovidetwospecificexamplesofhowourpolicyhasmadeadifferenceinhowwedealtwithapalmoilplantationandaminingcompanyinAfrica:barclays.com/citizenship/the-way-we-do-business/sustainability-risk-in-lending.html.
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Aspect: Product and service labelingIndicatorrequirement Disclosure Status
G4-PR5Resultsofsurveysmeasuringcustomersatisfaction.
Attheendof2013,BarclaysadoptedaweightedaveragerankingofNetPromoterScore®asitskeymeasureofcustomersentiment.TheGroupupdatesprogressagainstits2018targettoberanked1stannuallyintheGroupBalancedScorecard.
TheadoptionofRelationshipNPSandtheprominencewegiveitinourpublishedscorecardisindicativeofthevalueweplaceonthismeasuretohelpusachieveour’Go-To’ambitionin2018.RelationshipNPSisawell-establishedmeasureofsatisfactionandadvocacyandallowsustobenchmarkourselvesagainstabroadersetofbrandsthaneverbefore.Ourgroupscoreisgeneratedbyusingaweightedaveragerankfromkeybusinessdivisions.
In2014,Barclayswasranked4th.
WeundertakeNPSsurveyingwhereverrelevantacrossourbusiness:AfricaBanking,BarclaycardandPersonalandCorporateBank.
Aspect: Customer privacyIndicatorrequirement Disclosure Status
G4-PR8Totalnumberofsubstantiatedcomplaintsregardingbreachesofcustomerprivacyandlossesofcustomerdata.
Wehaverobustcontrolsinplacetoprotectthepersonaldataaboutourcustomersthatweuseinthecourseofourbusinessactivities.Wecontinuallyreviewourprocedurestoensurethattheycomplywithinternationalprivacylaws,thisincludedaBarclays-widedataprotectionprogrammethatranforsixyearsandincludeddetailedreportingoncompliancewithapplicablelaws,areviewofthird-partysuppliersandeducationcampaignsforemployees.ProtectingpersonaldataisatoppriorityandamatterthatBarclaystakesextremelyseriously.Barclayshandlesprivacycomplaintsinlinewithourcomplaints-handlingprocedures,however,therecanbechallengesintermsofobtainingthegranularityofdatarequiredtogiveapreciseanswertothisindicatorrequirement.
Aspect: ComplianceIndicatorrequirement Disclosure Status
G4-PR9Monetaryvalueofsignificantfinesfornon-compliancewithlawsandregulationsconcerningtheprovisionanduseofproductsandservices.
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Aspect: Product portfolio*Indicatorrequirement Disclosure Omissions Status
FS7*Monetaryvalueofproductsandservicesdesignedtodeliveraspecificsocialbenefitforeachbusinesslinebrokendownbypurpose.
Initiativesreportedrepresentaselectionofexamples.
Personal and Corporate BankBarclaysCashCardAccount(CCA)isabasicbankaccountthatoffersfree,straightforwardbankingforcustomerswhomaynotbeabletoopenaregularcurrentaccount.ThisaccountisdesignedforcustomerswhodonotqualifyforaBarclaysBankAccount(BBA),oftenbecausetheyhaveapoorornocreditrating.
TheaccountprovidesachoiceofdebitcardorATM-onlycardwhichallowswithdrawalsupto£300adayfromBarclaysATMsoratPostOffices,paymentsbyDirectDebitorStandingOrderandaccessviaTelephone,OnlineandMobileBankingwiththeoptiontoreceivetextalerts.Chequebooksandborrowingfacilitiesarenotavailable.
BarclaysisoneoftheUK’slargestspecialistCharityInvestmentmanagerswithassetsundermanagementinexcessof£2.5bn.Inrecognitionofthepublicbenefitprovidedbythesecharityclientsweroutinelydiscounttheinvestmentmanagementfeeswecharge.
TheClientPhilanthropyService(CPS)aimstoengage,educateandsupportourUKclientswiththeirpersonalgivingaspirations.Itcomplementsourday-todayservicesthroughtheprovisionofadviceandinformation,managedbythefirm.Keyareasare:identifyingtherightstructure,achievingthedesiredeffect,involvingthefamilyanddevelopingavision.
ImpactinvestingisatatippingpointinAsiaandBarclaysisactivelycontributingtowardsthedevelopmentoftheimpactinvestingecosystemacrosstheregion.WealthlaunchedapilotinIndiain2014,onboardingtwokeypartnersontoourultrahighnetworthInvestmentClubplatform.Thisprovidesclientswithopportunitiestoinvestinimpactinvestments.Besideshavingclientparticipationthroughourultrahighnetworthplatform,wearedeepeningclientrelationshipswithimpact-investingevents,enhancingemployeeengagementwithanupcomingmentorshipschemeforcolleaguestogetinvolvedinmentoringsocialenterprises,andcommissioningresearchthoughtleadershiptobetterunderstandthespace.InDecember2014,weheldourfirstsocialimpactforuminMumbai,withover150Wealthclientsalongsidekeyindustryplayersandimpactinvestorsattheevent.Weusedtheplatformtoalsolaunchthefindingsfromourimpactinvestingresearch,conductedwithhighnetworthindividualsinourkeymarkets.
Investment BankInJuly2014,BarclayslaunchedtheWomeninLeadershipIndexandExchangeTradedNotes(ETNs)ontheNYSEArcaExchangeunderthetickerWIL.TheETNs,whichtracktheBarclaysWomeninLeadershipTotalReturnIndex,aredesignedtoprovideinvestorswithexposuretoUScompanieswithgender-diverseexecutiveleadershipandgovernance.
BarclaycardDreamAccounts,auniquesavingsproduct,aimstoimprovecollegegraduationratesamongUSstudents.Studentsarefourtimesmorelikelytograduatecollegeiftheyhaveasavingsaccountintheirname.BarclaycardUSdesigneda‘DreamAccount’whichallowsteenagerstobemainaccountholdersandrewardsgoodsavingsbehaviour.Itsbespokeapphelpsstudentsaccesscollegeresources,understandthebenefitsofacollegedegreeandconnectwithmentorsandadvisers.Asof31September,thereare18KaccountswithatotalbalanceofUS$47m.
Africa BankingInAfrica,wefocusonrelevantaffordableproductsandservices;innovativedeliverychannelsdesignedtofacilitateeasieraccesstofinancialservices(discussedabove);andconsumereducationthatimprovesfinancialliteracy.Wehaveaclearfocusondevelopinginnovativewaystoimproveaccesstoeconomicallydisadvantagedpeople.
InSouthAfrica,afirst-to-marketFamilySpringboardhomeloanallowsfriendsorfamilymemberstohelpeachotherbyopeninganinterest-bearingfixeddepositaccount,ceding10%ofthepurchasepriceassecurityfortheloan.Theborroweressentiallygetsa100%bondwiththeassistanceofafriendorfamilymemberwillingtoactasasponsor.Stokvels–orgroupsavingsandlending–havelongbeenasafetynetformillionsofAfricans,providingfinancialsecurityandsocialwell-being.InSouthAfrica,theAbsaClubAccountoperatesasaconvenientsavingsandtransactionaltoolforgroupsofpeoplewithcommonfinancialinterestswhowanttosavetogetherusingaStokvel.
TheaffordablehousingbusinessunitinSouthAfrica(MyHome)addressesthehousingchallengesfacedbyconsumerswhoearnlessthanR18,600permonthinsupportoftheSouthAfricangovernmentagendaonprovidingaffordablehousingtopeople.In2014,weprovided4,566customerswithhomeloanfinanceatatotalvalueofR1,490m.
Throughourcommunityinvestmentinitiativeswehavecollaboratedwithcivilsocietyorganisationstodeliverprogrammesinalleviatingpovertyinthelivesofyoungpeople.In2014,weextendedourpartnershipwiththeGrameenFoundationtodevelopanewretailpropositionaimedatengagingVillageSavingsandLendingGroupsinformalfinancialservices.Wealsocollaboratewithcorporateclientstotestnewfinancingmodelsaimedatsupportingthedevelopmentandgrowthofsmallholderfarmers.
AbsaTransactaccountisanaccountwherecustomerspayaverylowmonthlyservicefee,noownedATMbalanceenquiryfees,nofeeswhenpurchasingattillpoints,andnopenaltyfeeswhatsoever.Transactionsarechargedonapay-as-you-transactbasisandthepricingfortheseiseasytounderstand.Dependingonaperson’sbankingbehaviour,chargesareveryaffordable.
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Specific Standard Disclosures
Indicatorrequirement Disclosure Omissions Status
FS8*Monetaryvalueofproductsandservicesdesignedtodeliveraspecificenvironmentalbenefitforeachbusinesslinebrokendownbypurpose.
Initiativesreportedrepresentaselectionofexamples.
Personal and Corporate BankOurCorporateBankingTradeandWorkingCapitalteaminSingaporewasrecentlysuccessfulinthelaunchoftheSustainableShipmentLC,designedtohelpclientsinthesoftcommoditiessectorachievetheirenvironmentalgoalsbycertifyingthatgoodshavebeenproducedinasustainableway.Sincethen,theBarclaysSustainableShipmentproductsuitehasbeenexpandedandnowincludesdocumentarycollectionsaswellasLettersofCredit.BarclaysSustainableShipmentproductsshowhowtradefinancecanpositivelyinfluencetheenvironment.Usingasimpleadaptationtoexistingproductsandprotocols,thisisaninnovationwhichavoidstheneedforcomplexandexpensivesystemschangesmakingiteasyforthemarkettoadopt.
BarclaysisuniquelypositionedtoworkwithourclientstoinvestinEnterpriseInvestmentSchemes(EIS),andVentureCapitalTrusts(VCT)viaourUKWealthPlanningplatformwhichprovidesclientstheopportunitytodiversifyportfolioswhilesupportingthedrivetomeetUKrenewableenergytargetsbysupplyingfundingforcleanenergyprojects.Overthepastfouryears,BarclaysWealthclientshaveinvestedover£100minrenewableenergyprojectssuchaswind,solar,hydroandanaerobicdigestionplantsacrossvariousEIS/VCTofferings.
Investment BankBanksplayapivotalroleinenablingtheflowofcapitaltowardsenvironmentallyorsociallybeneficialactivity.Arangeofbusinesslinesareactivelyinvolvedindeliveringsolutionsacrossproductgroups,geographiesandindustrysectors.In2014,wehelpeddirect£5.9bnoffinancinginthecleanenergyandcleantechnologysectorsglobally(2013:£4bn).GreenBondscontinuedtogrowasawayoffinancingenvironmentalprojects:BarclayswasasignatorytotheGreenBondPrinciplesandalsolaunchedtheGreenBondIndexinpartnershipwithMSCIInc.WehavebeenanactiveunderwriteronavarietyofGreenBondtransactionsforcorporate,supranationalandmunicipalissuers.Wearealsosupportingthesectorbyleveragingourowninvestmentandarecommittedtoinvestingaminimumof£1bninGreenBondsbyNovember2015toformpartofourliquidassetbuffer–oneofthelargestsuchinvestmentsbyabank.
In2013,wealsolaunchedanewsetofenvironmental,socialandgovernance(ESG)indicesforclientswhowantsociallyresponsibleinvestmentfactorsintheirbondportfolios.
Refertopage14ofthe2014AnnualReportandtoourwebsiteatnewsroom.barclays.co.uk/Press-releases/Barclays-and-MSCI-to-offer-Green-Bond-Index-as-part-of-ESG-Fixed-Income-Index-Family-b8cforthelaunchoftheBarclaysandMSCIGreenBondIndex.
BarclaycardBarclaycardSouthernEuropeinnovativecampaignBeGreenencouragesBarclaycardcustomerstosignupfore-statements.Torewardthispracticeweplantatreeforeverycustomerthatoptedtogopaperless.Sofar,wehavesignedup52%ofourcustomersinPortugaland27%ofourcustomersinSpain,planting240ktrees.
Africa BankingInSouthAfrica,weparticipatedinthepowerpurchaseandimplementationagreementsforrenewableenergyprojects,whichprovideopportunitiesforprivate,independentpowerproducerstodeveloplarge-scalegenerationprojects.Throughourinvolvement,wehavehelpedtoresolvebankabilityissuesrelatedtothepowerpurchasingagreements;introducedinternationalinvestorstothemarket;andhostedeventsbringingtogetherinvestors,government,thenationalenergyprovider(Eskom)anddevelopers.
Wehavesupportedthetransitiontocleanerenergybyprovidingdebtfundingsupportto12projectsannouncedforroundthreeoftheSouthAfricangovernment’sRenewableEnergyIndependentPowerProducerProcurementProgramme.Theseprojectsincludewind,solarphotovoltaic(PV)andconcentratedsolarpower.Theyhavebeendesignedtobenefitlocalcommunitiesandwillimpactmanybusinessesduringthevariousconstructionphases.Uptothethirdbiddinground,theBankhasbeeninvolvedinfinancingfor1,598MWofrenewableenergyprojectsincluding456MWforsolarPV,892MWforwindand250MWforconcentratedsolartechnologies.Thisrepresentsc.41%ofallrenewableenergyprojects(byMWs)awardedduringtheprogrammesofar.Inaddition,theBankalsosupported28projectsduringthefourthbiddingroundoftheprogramme,withwinningbiddersexpectedtobeannouncedduringthefirstquarterof2015.
TheSouthAfricanWindEnergyassociation,inconjunctionwiththeGlobalWindEnergyAssociation,recognisedourSouthAfricanoperationforitssignificantcontributionmadetothewindindustrybyawardingitthetitleof‘outstandinglender’.Wehavebeenoneofthemostsuccessfulbanksinfinancingthisspecificrenewableenergytechnologythroughourinvolvementinarrangingfinancingfor892MWsofwindenergyprojectsupthelatestroundofdealsawardedinthemarket(c.45%ofallwindenergydealsawardedbyMW).
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Independent Limited Assurance Report to Barclays Bank PLC KPMG Assurance Statement
KPMGLLP(‘KPMG’or‘we’)wereengagedbyBarclaysBankPLC(‘Barclays’)toprovidelimitedassuranceovertheSelectedInformationdescribedbelowfortheyearended31December2014.
Our conclusion Basedontheworkwehaveperformedandtheevidencewehaveobtained,nothinghascometoourattentionthatcausesustobelievethattheSelectedInformationhasnotbeenproperlyprepared,inallmaterialrespects,inaccordancewiththeReportingCriteria.
Thisconclusionistobereadinthecontextoftheremainderofthisreport,inparticulartheinherentlimitationsexplainedbelowandthisreport’sintendeduse.
Selected Information ThescopeofourworkincludesonlytheinformationincludedwithintheBarclaysCitizenshipDataSupplementandGlobalReportingInitiativeIndexfortheyearended31December2014(‘theReport’)markedwiththesymbolporΩ(‘theSelectedInformation’).
Wehavenotperformedanywork,anddonotexpressanyconclusion,overanyotherinformationthatmaybedisplayedintheReportoronBarclays’websiteforthecurrentyearorforpreviousperiodsunlessotherwiseindicated.
Reporting Criteria TheReportingCriteriaweusedtoformourjudgementsare:
BarclaysReportingGuidelines2014assetoutintheReportfortheSelectedInformationmarkedwiththesymbolp;and
theGlobalReportingInitiative(‘GRI’)G4reportingprinciplesfordefiningreportqualityassetoutathttps://www.globalreporting.orgfortheSelectedInformationmarkedwiththesymbolΩ.
TheSelectedInformationneedstobereadtogetherwiththeReportingCriteria.
Inherent limitations Thenatureofnon-financialinformation;theabsenceofasignificantbodyofestablishedpracticeonwhichtodraw;andthemethodsandprecisionusedtodeterminenon-financialinformation,allowfordifferent,butacceptableevaluationandmeasurementtechniquesandcanresultinmateriallydifferentmeasurements,affectingcomparabilitybetweenentitiesandovertime.
Directors’ responsibilities TheDirectorsofBarclaysareresponsiblefor:
designing,implementingandmaintaininginternalcontrolsrelevanttothepreparationandpresentationoftheSelectedInformationthatisfreefrommaterialmisstatement,whetherduetofraudorerror;
selectingand/ordevelopingobjectiveReportingCriteria;
measuringandreportingtheSelectedInformationinaccordancewiththeReportingCriteria;and
thecontentsandstatementscontainedwithintheReportandtheReportingCriteria.
Our responsibilities OurresponsibilityistoplanandperformourworktoobtainlimitedassuranceaboutwhethertheSelectedInformationhasbeenpreparedinaccordancewiththeReportingCriteriaandtoreporttoBarclaysintheformofanindependentlimitedassuranceconclusionbasedontheworkperformedandtheevidenceobtained.
Assurance standards applied WeperformedourworkinaccordancewithInternationalStandardonAssuranceEngagements3000–‘AssuranceEngagementsotherthanAuditsorReviewsofHistoricalFinancialInformation’(‘ISAE3000’)and,inrespectofthegreenhousegasemissionsinformationincludedwithintheSelectedInformation,inaccordancewithInternationalStandardonAssuranceEngagements3410–‘AssuranceEngagementsonGreenhouseGasStatements’(‘ISAE3410’),issuedbytheInternationalAuditingandAssuranceStandardsBoard.
Theworkperformedinalimitedassuranceengagementvariesinnatureandtimingfrom,andislessinextentthanfor,areasonableassuranceengagement.Consequently,thelevelofassuranceobtainedinalimitedassuranceengagementissubstantiallylowerthantheassurancethatwouldhavebeenobtainedhadareasonableassuranceengagementbeenperformed.
Independence, professional standards and quality control WecomplywiththeCodeofEthicsforProfessionalAccountantsissuedbytheInternationalEthicsStandardsBoardforAccountantsandweapplytheInternationalStandardonQualityControl(UKandIreland)1,‘QualityControlforFirmsthatPerformAuditsandReviewsofHistoricalFinancialInformation,andOtherAssuranceandRelatedServicesEngagements’.Accordingly,wemaintainacomprehensivesystemofqualitycontrolincludingdocumentedpoliciesandproceduresregardingcompliancewithethicalrequirementsandprofessionalstandards(includingindependence,andotherrequirementsfoundedonfundamentalprinciplesofintegrity,objectivity,professionalcompetenceandduecare,confidentialityandprofessionalbehaviour)aswellasapplicablelegalandregulatoryrequirements.
Summary of work performed ConsideringthelevelofassuranceandourassessmentoftheriskofmaterialmisstatementoftheSelectedInformation,whetherduetofraudorerror,ourworkincluded,butwasnotrestrictedto:
assessingtheappropriatenessoftheReportingCriteriafortheSelectedInformation;
conductinginterviewswithBarclaysmanagementtoobtainanunderstandingofthekeyprocesses,systemsandcontrolsinplaceoverthepreparationoftheSelectedInformation;
agreeingaselectionoftheSelectedInformationtothecorrespondingsourcedocumentation;
performinganalyticalreviewproceduresovertheaggregatedSelectedInformation,includingacomparisontotheprioryearamountshavingdueregardtochangesinbusinessvolumeandthebusinessportfolio;
agreeingaselectionofprocessesfromtheBarclaysMaterialityProcessDescriptiontothecorrespondingsupportingdocumentation;
considerationofaselectionofBarclaysprocessesfortheidentification,prioritisationandvalidationofrelevantmaterialissues,includingattendanceat,andinspectingtheoutputof,selectedBarclaysstakeholderworkshops;and
readingtheReportandnarrativeaccompanyingtheSelectedInformationintheReportwithregardtotheReportingCriteria,andforconsistencywithourfindings.
This report’s intended use ThisassurancereportismadesolelytoBarclaysinaccordancewiththetermsoftheengagementcontractbetweenus.Thosetermspermitdisclosuretootherparties,solelyforthepurposeofBarclaysshowingthatithasobtainedanindependentassurancereportinconnectionwiththeSelectedInformation.
WehavenotconsideredtheinterestofanyotherpartyintheSelectedInformation.Tothefullestextentpermittedbylaw,weacceptnoresponsibilityanddenyanyliabilitytoanypartyotherthanBarclaysforourwork,forthisassurancereportorfortheconclusionswehavereached.
PaulHollandforandonbehalfofKPMGLLPChartered Accountants London03March2015
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Table 1 Citizenship Balanced Scorecard
The way we do businessKPI Definition Reportingandcontrolsprocess
‘The Barclays Way’ code (% headcount attested)
ThisKPIreportsonthepercentageofemployeeswhohavecompletedthe‘TheBarclaysWay’(codeofconduct)trainingviatheBarclaysLearningManagementSystem(LMS)andpaper-basedforasmallportionofSouthAfricanemployees(whohavenoaccesstotheLMS).
Theattestationconsistsofalearningmodulewithanumberofscenariostoencourageemployeestoengagewiththe‘TheBarclaysWay’,followedbyashortassessmentwithapassmarkof80%.Themoduleisassignedtoallcolleagues(excludingManagedServices)forcompletionannually.
ThecompletiondataisreviewedbyBusinessUnitsandsubjecttointernalandexternalassurance.
Citizenship Reputation (YouGov survey)
TheYouGovsurveymeasuresBarclays’reputationonascaleof0-10,with0indicating‘DisagreeStrongly’and10indicating‘AgreeStrongly’.
The2014ConductandCitizenshipscoresareaverageindexscoresfromtwosurveysconductedforBarclaysduring2014,amonganaudienceofglobalstakeholders(politics,media,business,NGOsandothers).Thesurveyswerecarriedoutacrossthesummerperiod,andfromOctobertoDecember,usingtelephoneandonlinemethods.Eachsurveywascompletedbysome2,000respondents,basedintheUK,Brussels,theUS,AfricaandAsia.Incalculatingtheindexscores,resultsfromeachregionhavebeenweightedtoreflectthedistributionofBarclays’operations,asmeasuredbyBarclays’income.Eachindexhasfivecomponents,whichcarryequalweightintheindexcalculation.Targetshavebeendefined,topositionBarclaysasBestInClassby2018.ThesurveyswereconductedbyYouGov,anindependentmarketresearchagency.
The following glossaries define the reporting boundaries and definitions for Barclays’ Citizenship KPIs. All our data is for all of Barclays unless otherwise stated. The terms ‘Barclays’ or the ‘Group’ mean Barclays PLC together with its subsidiaries. ‘Barclays’ and ‘Group’ are terms which are used to refer to either of the preceding groups when the subject matter is identical.
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KPI Definition Reportingandcontrolsprocess
Global carbon emissions (tonnes CO2e)
ThemethodologyusedtocalculateourCO2eemissionsistheoperationalcontrolapproachonreportingboundariesasdefinedbytheWorldResourcesInstitute/WorldBusinessCouncilforSustainableDevelopment(WRI/WBCSD)GreenhouseGasProtocol(GHG):ACorporateAccountingandReportingStandard,RevisedEdition.WherepropertiesarecoveredbyBarclays’consolidatedfinancialstatementsbutareleasedtotenantswhoareinvoicedforutilities,theseemissionsarenotincludedintheGroupGHGcalculations.WereportCO2eemissionsforouroperations,whichcoversbusinesstravelandpropertieswhereBarclayshasoperationalcontrolandisfinanciallyresponsibleforutilitiessupply:
Scope1:directcombustionoffuels(globally),andcompany-ownedvehicles(UKandSouthAfrica).Thisexcludesfugitiveemissions
Scope2:purchasedelectricity(globally)
Scope3:indirectemissionsfrombusinesstravel(globalairtravel,UKandSouthAfricaprivatecars,UKrail,taxisandcarhire).
CarbonperformanceisgatheredusingtheinternalmanagementreportingprocessrunbytheCRESEnvironmentalTeam.ThemethodologyusedtocalculateourCO2eemissionsistheGHGProtocolCorporateAccountingandReportingStandard(revisededition),usingtheoperationalcontrolapproachonreportingboundaries.
Percentage of suppliers paid on time (by value)
On-timepaymenttosuppliersismeasuredonathree-monthrollingaverageasapercentageofsupplierspend.TheQ4averagefor2014was85%coveringourCorporateBanking,RetailandBusinessBankingdivisionsintheUK,InvestmentBankandHeadOfficefunctionsthatuseourstrategicaccountspaymentsystem.
‘Latepayment’isdefinedasaperiodoftimegreaterthan45dayselapsingbetweentheinvoicedateandtheinvoicepaymentdate.
Latepaymentdataissourcedfromtwofinancesystemsandreviewedcentrallybeforebeingreportedinternallyeachmonth.
New and renewed lending to households (£bn)
Newandrenewedlendingtohouseholdscoverslendingtoindividualsinspecificproductcategorieslimitedtonewandrenewedmortgagesandnewlendinglimitsoncreditcards,excludingotherconsumerlendingandoverdrafts.ThisincludesallgeographiesandallBusinessUnitsexceptclientsoftheWealthandInvestmentManagementdivision.
DataisextracteddirectlyfromBarclays’financesystems.FinancialcontrolforeachBusinessUnitreviewsthesubmissionstoensureaccuracyofthedata.
New and renewed lending to SMEs (£bn)
Newandrenewedlendingtosmallandmediumenterprises(SMEs)coversallnewandrenewedlendingandcreditproductstoSMEsintheUKandSouthAfrica.SMEsareidentifiedbasedontheappropriatedefinitionineachrelevantmarketandincludeallpublicandprivatesectorSMEs.Productsincludeallnewloansandrefinancings,overdraftfacilities,creditcardlending,assetfinance(UKonly)andsalesfinance(UKonly).
SMEsaredefinedasbusinesses,non-profitinstitutions,andanyotherentitiesclassifiedtonon-financialindustrysectors,withanannualsalesturnoverof<£25mintheUKand<R20minSouthAfrica,exceptforBarclaycard,whereannualsalesturnoveris<£5m.
Themajorityofthegrosslendingandoverdraftdata(>90%)isobtainedfromourreportingtotheBankofEngland(FormLN–LendingtoUKBusinesses).
Salesfinanceandassetfinancedataareextractedfromthefinancialreportingsystemsandaddedsubsequently.
2014datadoesnotincludeSouthAfricandata.Alldataissignedoffbyaccountableexecutivesandreviewedcentrally.
Assist in raising financing for businesses and governments (£bn)
Financingraisedistotalfixedincomeandequitiesproceedsfullcredit(inGBP)fromallcorporate,governmentalandinstitutionalclientsinallregions.
ThedataiscollectedfromtheDealogicplatformoverthereportingyearended31December2014.ForeignexchangeratesforconversionintoGBPhavebeenapprovedbytheBarclaysFinanceTeamandareusedconsistentlyforreportingthroughouttheGroup.
Contributing to growth
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KPI Definition Reportingandcontrolsprocess
Participants at SME support events
Thismeasuresthenumberofattendeesatsmallbusinesssupportevents.
Smallbusinesssupporteventsincludeseminars,toolsandtrainingrunsinsupportofSMEsintheUKandSouthAfrica.
SMEsaredefinedasbusinesses,non-profitinstitutions,andanyotherentitiesclassifiedtonon-financialindustrysectors,withanannualsalesturnoverof<£5mintheUKand<R20minSouthAfrica.
IntheUK,informationismostlycollectedfromthird-partysuppliers,dependingonthetypeofevent.
Whereinformationiscollectedinternally,itisreviewedandsensecheckedbycomparingthenumberofattendeestothenumberofdelegatesregisteredtoattend,takingintoaccountamaximum40%dropoutrate.
InSouthAfrica,thenumberofattendeesiscalculatedpost-eventusinganattendeeregistrationprocess.Copiesofattendanceregistersarefiledandstoredforauditingifrequired.
Wedonotcurrentlyverifytheemploymentstatusofeventsparticipants.HenceattendeesatsmallbusinesssupporteventsmaynotnecessarilybeemployedbySMEs.Additionally,differentemployeesfromthesameSMEcanattendmultipleevents.
Number of apprenticeships at Barclays
NumberofpeopleenrolledinprogrammesintheUKmeetingthecriteriaforapprenticeships.ProgrammesrefertotheBarclaysDegreeProgramme,theCertificateLevelProgrammeandtheApprenticeshipProgramme.
FortheBarclaysDegreeProgrammeandtheApprenticeshipProgramme,thenumberofapprenticeshipshasbeenextractedfromtheBarclays’HRsystem.TheCertificateLevelProgrammewasapilotprojectin2013andwascalculatedmanuallyin2013.WehaverolledthisintotheBarclaysHRsystemfor2014.Alldatahasbeenreviewedandapprovedinternally.
Total investment in the community (£m)
ThismeasuresBarclays’totalinvestmentinthecommunity,comprisedofdirectcashdonations,programmecosts,managementcostsandthemonetisationofcolleaguevolunteerhoursinworktime.
TotalInvestmentinCommunityisaggregatedviaastandardisedquarterlysubmissionprocesscapturingcommunityinvestmentspendandemployeeparticipationincommunityprogrammesaswellasdonationsmadedirectlybythebusinessunitsandfunctionswhicharereportedannually.SubmissionsfromRegionalCommunityInvestmentteamsandBusinessUnitsandfunctionsarereviewedandanalysedbytheGlobalCommunityInvestmentteam.
BarclaysCommunityInvestmentadherestotheLondonBenchmarkingGroup(LBG)model.LBGistheinternationallyrecognisedstandardformeasuringcorporatecommunityinvestmentandmorethan300companiesaroundtheworldusetheLBGframeworktomeasure,manageandreportthevalueandtheachievementsofthecontributionstheymake.
Number of 10-35 year olds supported in building skills
Thismeasuresthenumberofyoungdisadvantagedbeneficiariessupportedinbuildingenterprise,employabilityorfinancialskills(theoutputsandimpactsofBarclayscommunityinvestmentprogrammes).
BeneficiarydataisaggregatedviaastandardisedannualreportingprocesssubmittedbycharitypartnersandregionalCommunityInvestmentteams,whicharereviewedandanalysedbytheGlobalCommunityInvestmentteamtocalculatethefinalglobalnumberofdisadvantaged10-35yearoldssupportedinbuildingtheirenterprise,employabilityorfinancialskills.
BarclaysCommunityInvestmentadherestotheLondonBenchmarkingGroup(LBG)model.LBGistheinternationallyrecognisedstandardformeasuringcorporatecommunityinvestmentandmorethan300companiesaroundtheworldusetheLBGframeworktomeasure,manageandreportthevalueandtheachievementsofthecontributionstheymake.
Supporting our communities
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