Risk and responsibility

Last month, HSBC announced it had gone 'carbon-neutral' – it had cut its carbon dioxide (CO2) emissions to zero by a combination of reducing energy consumption, buying electricity from non-CO2 emitting sources (so-called green energy), and investing in projects such as reforestation that absorb the equivalent of its outstanding emissions.

Elsewhere, after publishing a sustainability report in July that is widely acknowledged to set a benchmark for disclosure, Manchester-based Co-operative Fi