RBS 2013 Annual Report Download - page 97
Download and view the complete annual report
Please find page 97 of the 2013 RBS annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1
-
2
-
3
-
4
-
5
-
6
-
7
-
8
-
9
-
10
-
11
-
12
-
13
-
14
-
15
-
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
-
228
-
229
-
230
-
231
-
232
-
233
-
234
-
235
-
236
-
237
-
238
-
239
-
240
-
241
-
242
-
243
-
244
-
245
-
246
-
247
-
248
-
249
-
250
-
251
-
252
-
253
-
254
-
255
-
256
-
257
-
258
-
259
-
260
-
261
-
262
-
263
-
264
-
265
-
266
-
267
-
268
-
269
-
270
-
271
-
272
-
273
-
274
-
275
-
276
-
277
-
278
-
279
-
280
-
281
-
282
-
283
-
284
-
285
-
286
-
287
-
288
-
289
-
290
-
291
-
292
-
293
-
294
-
295
-
296
-
297
-
298
-
299
-
300
-
301
-
302
-
303
-
304
-
305
-
306
-
307
-
308
-
309
-
310
-
311
-
312
-
313
-
314
-
315
-
316
-
317
-
318
-
319
-
320
-
321
-
322
-
323
-
324
-
325
-
326
-
327
-
328
-
329
-
330
-
331
-
332
-
333
-
334
-
335
-
336
-
337
-
338
-
339
-
340
-
341
-
342
-
343
-
344
-
345
-
346
-
347
-
348
-
349
-
350
-
351
-
352
-
353
-
354
-
355
-
356
-
357
-
358
-
359
-
360
-
361
-
362
-
363
-
364
-
365
-
366
-
367
-
368
-
369
-
370
-
371
-
372
-
373
-
374
-
375
-
376
-
377
-
378
-
379
-
380
-
381
-
382
-
383
-
384
-
385
-
386
-
387
-
388
-
389
-
390
-
391
-
392
-
393
-
394
-
395
-
396
-
397
-
398
-
399
-
400
-
401
-
402
-
403
-
404
-
405
-
406
-
407
-
408
-
409
-
410
-
411
-
412
-
413
-
414
-
415
-
416
-
417
-
418
-
419
-
420
-
421
-
422
-
423
-
424
-
425
-
426
-
427
-
428
-
429
-
430
-
431
-
432
-
433
-
434
-
435
-
436
-
437
-
438
-
439
-
440
-
441
-
442
-
443
-
444
-
445
-
446
-
447
-
448
-
449
-
450
-
451
-
452
-
453
-
454
-
455
-
456
-
457
-
458
-
459
-
460
-
461
-
462
-
463
-
464
-
465
-
466
-
467
-
468
-
469
-
470
-
471
-
472
-
473
-
474
-
475
-
476
-
477
-
478
-
479
-
480
-
481
-
482
-
483
-
484
-
485
-
486
-
487
-
488
-
489
-
490
-
491
-
492
-
493
-
494
-
495
-
496
-
497
-
498
-
499
-
500
-
501
-
502
-
503
-
504
-
505
-
506
-
507
-
508
-
509
-
510
-
511
-
512
-
513
-
514
-
515
-
516
-
517
-
518
-
519
-
520
-
521
-
522
-
523
-
524
-
525
-
526
-
527
-
528
-
529
-
530
-
531
-
532
-
533
-
534
-
535
-
536
-
537
-
538
-
539
-
540
-
541
-
542
-
543
-
544
-
545
-
546
-
547
-
548
-
549
-
550
-
551
-
552
-
553
-
554
-
555
-
556
-
557
-
558
-
559
-
560
-
561
-
562
-
563
-
564
Report of the directors
95
Employee consultation
The Group recognises employee representatives such as trade unions
and work councils in a number of businesses and countries.
The Group has a European Employee Council that provides an
opportunity for elected representatives and management to discuss
developments in the Group's European operations.
Diversity and inclusion
During 2013, the Group executive continued its commitment to making
workplace policies, processes and experiences inclusive for staff,
customers and stakeholders.
Inclusion is built into various policy areas and people management
processes. For example: the business continues to support disabled
persons, ensuring there are equal opportunities in recruitment,
employment, promotion and training.
The business also supports employee-led networks, with three being
introduced this year relating to the areas of disability, multi-culturalism
and carers. These new networks run alongside existing ones, such as
Focused Women and Rainbow, who provide personal and career
development opportunities through networking and training events.
This commitment to inclusion extends to supporting and participating in
positive action programmes outside of the Group aimed at cultivating
future leaders, including ‘An Inspirational Journey’ and FTSE-100 cross-
company mentoring programmes. The Group continues to maintain its
involvement with external charitable networks and events such as
Manchester Pride.
This approach to inclusion also extends to the marketplace with the RBS
Women in Business specialists supporting and guiding more and more
women to take the step of starting their own business.
Performance on gender diversity is monitored and reviewed at Group and
local level and RBS remains supportive of the recommendations of Lord
Davies’ Report. There are currently three female directors on the Board
out of a total of eleven, which exceeds Lord Davies’ aspirational target of
25 per cent female Board representation. Further information on
male/female representation at various levels of employment in the Group
is included in the Strategic report on page 33.
Further details on the Board diversity policy can be found at
rbs.com>about us.
This year the business has been recognised for its work on Equality,
Diversity and Inclusion by achieving platinum ranking from Opportunity
Now (gender), one of only a few organisations to achieve this; achieving
Silver for Race for Opportunity (race); and securing a position in the
Working Families Top 10.
Wellbeing
Ensuring the wellbeing of employees is an important responsibility for the
Group.
A wide range of health benefits and services is in place to help
employees maintain good physical and psychological health, and support
them if they do become unwell. We continue to enhance and promote
these services, targeting those issues that we know affect our employee's
ability to bring the best of themselves to work. In 2013, we made
Lifematters, the Group's Employee Assistance Programme, even more
accessible with the introduction of our Lifematters mobile App.
Code of conduct
The code of conduct was fundamentally revised in 2013. How we behave
forms the character of our company and dictates how others see us. "Our
Code" reflects our values and applies to everyone who works for RBS. It
lets everyone know what to expect of each other, what to do when unsure
of a decision, and where to go for advice when needed.
The code of conduct is available at rbs.com>sustainability>governance>
reporting and engagement. It will also be provided to any person without
charge, upon request, by contacting RBS Secretariat at the telephone
number listed on page 561.
Sustainability
Sustainability at RBS means building our future on long term thinking that
focuses on our customers and supporting the communities in which they
live. Our core duty is to be safe and strong. This underpins everything
that RBS does and enables people to run their daily lives and
businesses. This, in turn, supports economic growth and brings wider
benefits to society. The final strand to building a sustainable business
centres on how we choose to operate and how we can go further to
shape the world in a positive way.
Sustainability is therefore not just about the many responsibilities and
obligations that the Group has in a legal sense, but is about broad issues
that need to be addressed to ensure that the Group is a healthy and
respected business operating on a sustainable basis.
The Group Sustainability Committee is responsible for overseeing and
challenging how management is addressing sustainability and reputation
issues relating to all stakeholder groups and reports to the Board. For
more information on the Committee, see pages 64 and 65.
For more information on our approach and progress read the RBS
Sustainability Report, available on rbs.com/sustainable.
Greenhouse gas emissions
Disclosures relating to greenhouse gas emissions are included in the
Strategic report on page 32.