the emissions associated with vanquis bank’s pilot credit card operation in Poland are excluded from the data disclosed above. 2012 2011 2010 2009 2008 energy consumption Head office, CCd branch and vanquis bank energy consumption (MWh) 10,436 12,105 9,115 12,135 14,903 13,986 energy use ensuring that we are as energy efficient as possible is just good business practice; it enables us to reduce our contribution to global and local environmental impacts and provides us with cost savings too.