102-46 Defining report content and topic boundaries ESG Performance introduction, p. 11 102-47 List of material topics The material topics identified by our materiality assessment, conducted in late 2013, are: anti-corruption and bribery, capital market literacy, capital market regulations, consumer attitudes on financial services, climate change, data accessibility, diversity and equal opportunity, employee well-being, higher skills and education, human rights, lobbying, privacy, water scarcity and stress, transparency.