V
I
S
U
A
L DISPLAY BOOK
DESIGN IS THINKING MADE VISUAL SAUL BASS
Chapters About
4
A Journey Home
5
Lectures
15
Technology Demonstration
19
Life and death
27
Exhibitions
41
Book Binding
44
Through the Letterbox
49
4
THE VISUAL DISPLAY BOOK.
ABOUT
This publication is a walk through my first term at Arts University Bournemouth for BA(Hons) Graphic Design Level 4. My name is Stefan Man. In this book it will show three project, lectures, technology demonstrations, exhibitions, and book binding.
A JOURNEY HOME
B
A
BRIEF
START: Monday 29th September END: Friday 10th October
Using the idea of a map you are required to visually represent your journey from college to home or visa versa. Consider means of exploring this that you would not usually notice e.g. the flora you pass by, street signs, sounds, bus routes etc. Also consider less tangible ways of tracking your journey home e.g. thoughts and song titles. Consider incorporating elements associated with maps such as a compass and/or a legend. You may use collage, typography, photography and/or drawing or a combination of them. The essence of this problem lies with making the connection between two points of a personal journey and how you visualise it. It also lies with the methods that you use to document that journey e.g. taking a photograph every 50 steps or recording every green front door that you see. Adopting a method to document your journey will allow you to develop more comprehensive ideas. There are no size restrictions, however the use of google as a research/ reference tool is banned. Technical Requirements There are none. However, you must consider time constraints – you only have two weeks. You must also consider technological constraints – what is the maximum size you can produce on the printers available to you for this project.
PLANNING Start with a question Which suggests an answer Identify relevant topics Potential sources of information Locate and gather information Analyse and combine information Potential answer to the question
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INITIAL Thoughts & KEY WORDS KEY WORDS: Initial Thoughts
When I first found the brief of this unit, I first thought of what ideas came into my head. I initially thought of about my journeys home and how I undergo them. This always with me listening to music. So I wanted to implement the use of sound in this project somehow. Once understanding the project, cartography had been shown to be a strong and interesting concept, however I want this to be shown through icons, icons and items that I see while walking home.
ABC
- iconography - cartography - album artwork - soundwaves - music - collage - infographics - maps - roads - paths - photography - typography
IDEAs IDEAS
- A walk home recording all the stages that I see while walking home. This recording being recorded many times from different days, having a stop motion/jumpy effect. I want to show the different visual signposts that I see everyday that reminds me on my journey. - Implementing Cartography in this project, to show a simplistic style in mapping. Show the journey, with a minimal transparent background of the Bournemouth. With this I want to record the ambient sounds that I hear when walking from University. Then use the soundwave forms to represent the route. With this I want to add a infographic of the walk, with the use of type and photography. - Mapping - London Underground, shaping/stylizing it towards the icons I see. - Album design, a collage of all the usual items I see. This being illustrated, with 3D maps (Cartography), illustrations of icons showing music is linked with journeys. - A map, represented with Soundwaves, showing the different music I listen to when walking home. Next to this, implementing icons and type to show what genre of music it is and how it affect me.
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FIRST IDEA
Using the London Underground map design, I wanted to show the different types of vehicles and transportation seen when walking home. This shown through the multiple colours. Soundwaves of the sound it makes and infographic of how many seen on the walk home. After a tutorial and speaking of the design, it was then decided to choose a different design as it wasn’t as relevant to Bournemouth.
MAIN CONCEPT Mapping
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CRITIQUE I changed my first idea and chose to focus on two elements, music and mapping. So looking at the route from my home in Madeira Road to the University 3 miles away. With this I wanted to implement soundwaves being the form to represent the journey home. The music genre being the one I listen to when walking home. Making this play list will be represented by the emotions felt at that moment. Taken from my research.
FIRST CONCEPT CRITIQUES
CRITIQUE - Remove title/change title - Show the start and end - Make the soundwave the main focus - Using icons to represent the songs, road names.
Refined DESIGN CRITIQUE
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CRITIQUES - Too Busy - Get rid of text on the bottom - Show what part of the road is for what genre. - Smaller title -Smaller type = less bold = different colours
LEctures
LECTURES, WHAT DID WE DO?
Alongside the project I have attended lectures on aspect of Graphic Design and what is implemented in this subject. I have learnt elements of advertisement, semiotics, how visual communication is powerful, body/visual language, type, grid and layout, These element are fundemental parts to Graphic Design, allowing me to expand and think visually to how the audience would react to a project and the elements designed for it.
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WHAT IS GRAPHIC DESIGN? 7/10/14
In our first lecture we learned the basis, and basic understanding on what Graphic Design is. How as Graphic Design students we will have to see everything 360, 24/7 as Designers, like how Phillipe Starck said “Designers should read about everything except design”. This is to develop our understanding for audience appeal and be able to create iconic designs which won’t be forgotten.
INTRODUCTION TO VISUAL CULTURE? 14/10/14
Visual Culture is shown in many different aspects, this being through non verbal communication (body language, ability to communicate and their interpersonal skills). This also being shown with a cultural element, and how cultures can respond differently; and how for designers there are various approaches and viewpoints, text, theories we can understand and interpret visual language. In this lecture I had also learnt terminology and theories, which linked towards the visual culture. The Auteur Theory greatly helps this, as this theory explains how forms of explanation depends upon the notion of expression and individual personality. The last activity I was given a task, this task was to find the explanation and originality of a certain design. This was to find ‘What is it? Date? Who Designed it? Country of Origin? and One Interesting Fact’. I was given the challenge of finding “Never Mind The Bollocks - Sex Pistols’.
HOW WE COMMUNICATE VISUALLY. 27/10/14
Decoding Structure, Introduction to Semiotics. This lecture demonstrated the introducing to semiotics, and how culture is dominated by visuals, and how we are always visually reading things (Visual Literacy), which is an understanding of meaningful issues.
Semiotics first used as a way of understanding how language works. Patterns and structures of signs in media text conditions and meaning which can be communicated and read. Audience understands and decoded media in different ways. Signs are organised into groups codes - particular meaning. There is two components to every sign ‘Signifier’ or ‘Signified’
ADVERTISING. 4/11/14
Advertisement is a strong impact to help expand the brand, and allow it to grow due to it having a wider viewing range. In this lecture we learned the many techniques in which the design companies process of deciding on how they would do the advertisement. This either is through heritage, nostalgia, infomercials, culture, emotional appeal etc.
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BODY/VISUAL LANGUAGE. 11/11/2014
Creativity is: Originality, Concept, Imagination, Useless-Useful, Chaos, Passion, Innovation, Doing Something Unexpected, Open Minded, Inspiration, Self-Expression etch. “Creativity is education and learning” Arthur J Cropley. “The Secret to creativity is knowing how to hide your sources” - Albert Einstein Cognitive process to creativity: Selecting, Relating, Combining, Evaluating, Selective Retaining & Communicating “In an average day you can expect to have contact with around 15,000 trademark products. If you go to the supermarket, rack that to 35,000”
Photography. 18/11/14
Photojournalism - Form of Journalism (The collecting editing, and presenting of news material for the publication or broadcast.)
Photojournalism = Innocent Bystander or Contributor?
Technology demonstration
Alongside the projects and the lectures we attended Technology Demonstration Seminars. These sessions are to teach us certain programmes to expand our knowledge and allow us to expand our concepts and ideas for our project. This helped us with two programmes this term Adobe InDesign and Adobe Illustrator.
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ADOBE Indesign My Book - Chapter 1
Chapter 1 - Title
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MY LIST OF TEXT TECT ETC!
I
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I
In the first week of the Technology Demonstration, we learned the basics of Adobe InDesign, we learned how to format the layout such as the Bleed and Slug of the workspace and how important it is. This also included the colour design between CMYK and RGB. I got taught the basic tools of InDesign, and how to use the tools. For the first task, we learned how to design and use grids to design a spread page, and also design our own Business Card and Logo.
ADOBE ILLUSTRATOR the
BURGER FACTORY
Fishork
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Similarly to Adobe InDesign, I started to mainly learn the features and the basic tools of Illustrator, and how to use the tools. For the first task we got to practice with the Pen Tool, and with this tool it can create complex shapes with the use of the smooth curves or harsh angles. These shapes can either be turned into artwork or used as method of creating masks for other shapes or artwork.
For this Technology Demonstration session, we got taught how to make simple 3D objects out of illustrations. We started out on shapes, and in the effect panel chose to make 3D shapes. For this I could change the shape to I can turn them in 3D Objects which then I can decide how strong the bevel, the angle and whether they are a
wire frame or shape. , choose where the lighting is for this object, and how strong it can be and the colour of it. I tried to do this also to pen tools, this effect called 3D (Rotate) tool. Later we did the same effect on text, and did the same effect. This was a starter effect and simple effect to make 3D .
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For the next task, we had to design our own logos, and create long shadows. This has become a recent design craze, which has been showcased in everyday mobile design use. This technique is used for flat design style with conjunction with long shadows to create depth and the stand out from the device.
Life & death
BRIEF
START: Monday 13th October END: Friday 24th October
Choosing the right time to overtake a lorry on a busy road can mean the difference between life and death. With this in mind visually reinterpret two images to appear on two rear panels of a lorry’s doors. The left side must represent life, while the right represents death. The objective is to visualise a clear and meaningful graphic statement about life and death.
TECHNICAL REQUIREMENTS
Please use Adobe Illustrator to complete the final visual.
INITIAL Thoughts & Key words Initial Thoughts
When I first got the brief of this project, I was thinking and brainstorming of the first things that would go through my head and what I initially thought of was people, and what happens after they die. I want to show ideas of the two differences and make a strong contrast so it can be seen easily.
28 KEY WORDS
- People - Decay - Preserving? - Cremation - Skulls - Animals - Lifeline - Hearts - War/Peace - Afterlife - Hell - Colours - Black - White
Initial Ideas
Before
Our first task for this project was to re-illustrate the back of the lorry. I chose to and re-colour the design to the specifics of my project, and the colours of the back of a lorry.
30 After
Idea for design & How to Do it For my idea for my design I want to do an illustration of a person, showing the two sides of life and death through a single image but with a split in between. The two points of view will be designed in a Low Polynomial style which composes of numerous triangular points which then will represent the face. This will allow a split in between the points which I can merge another image to it.
I chose to use two models for my projects to represent the life side of the image. I chose to design my idea through Low Polynomial design. The low poly design being designed on Illustrator with guides which then could allow me to get an outline of the face in the low poly design. This design could then allow me to find focus points of the colour of the model to present the face. This allowed me to create a realistic image of the model, even in a low poly design. I then did it for other objects that I would represent death, including skulls, statues, mummies etc.
Process on Models
32
Merged images Concept
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CRITIQUE - Get rid of type - Make it more obvious that it represents Life & Death - Get rid of background, too busy. Make it flat - Make a scattered effect. Show a decayed effect. - Make the female model look more like a statue. It portrays a LIFE & DEATH
glass model instead.
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Exhibitions
EXHIBITIONS I VISITED
In my free time, and on trips with my course I visited two exhibitions. The exhibition visits would help us expand our creativity for the projects, and to think outside the box. Being very creative and greater our imaginations, a great inspiration for design, and will broaden what we could do. The exhibitions were out of the ordinary but was an amazing experience to see them.
42 V&A - The disobedient objects WHAT WAS IN IT?
On the 1st October, me and the BA Graphic Design course had gone to London to visit the Victory & Albert Museum to see the Disobedient Object. The exhibition demonstrates how political activism drives a wealth of design ingenuity and collective creativity that defy standard definitions of art and design. Which was a for us to think that it isn’t all about being perfectionist, but to do something with anything, so it can be done with everything.
Bournemouth Arts Fair
CARABOSSE – FIRE GARDENS
Carabosse are a collective of artists, designers, scenographers, constructors, actors, musicians, technicians, inventors, poets, photographers and visual artists. They had put up a exhibitions which included an arrangement of different culture, designed beautifully to show of the fire that had been set off. The display was a great experience to see, it allowed me to think out of the ordinary, how such different objects can be turned alight and create such intrigue shapes from the flame. The monotone pallets of the bright flames, was eye appealing and created some beautiful photographs when taken.
Book Binding
44
In my spare time, I took a book binding induction session and was taught how to bind a book. For this binding, I got taught how to do the Perfect Binding technique. This technique is a quick and cheap technique, and we got taught this session within half a day. The book binding session has become a convenient technique and life long session, which can be on hand when I need to bind books, which is the technique also used for this book also.
PERFECT Bookbinding PAPER GRAIN:
The nature of how paper is formed results in it having a grain, or a direction in which the fibres run. Before beginning any bookbinding, it is essential to ascertain the paper grain of the paper/ board you are using. There are three main ways of ascertaining this: - Flexing - Tearing - Wetting
METHOD: 1. Check Paper Grain (Especially important when binding with glue, allows for paper to expand & will allow book to open more easily) 2. Trim paper so that the spine edge is perfectly straight/flat. 3. Add at least two extra leaves of paper to each side of book
block.
4. Place into ‘Binding Press’, spine down. 5. Glue, from both directions. 6. Leave glue to dry in press.
Advantages:
- Quick and Cheap - Can bind single leaves, or folios
Disadvantages:
- Doesn’t lie perfectly flat (may snap the spine) - Better with cheaper, more porous paper - Doesn’t stand up to very heavy use
7. Remove from press, discard extra ‘pages’, cut in notches
for thread.
8. Apply thread in loop down spine.
Through the letterbox
START: Monday 27th October END: Friday 28th November
BRIEF
This assignment encourages you to start to think like a Graphic Designer. This way of thinking requires that you constantly observe, question, explore and form opinions about the environment in which you live. It also means that you understand that your opinions may differ from others. The essence is that if you want to effectively visually communicate to an audience it is vital that you are clear as to what you want to say, who you want to say it to and how you want to say it. This brief creates opportunities for you to develop your visual awareness and your critical analytical skills. It also creates opportunities for you to explore different methods of generating concepts and ways of presenting them. Select from one of the three newspaper articles provided you. Summarise the key points. Research the background to the story and form an opinion about it (you do not have to agree with what you have read). Produce a visual message that expresses your opinion to a chosen target audience.
Technical Requirements
Your final piece must be able to be posted. It must accommodate room for an address, stamp and postal mark. It must also be able to fit through a letterbox measuring 250mm x 50mm. Consider though that your work might be bigger (paper folding).You must also demonstrate that you have in some way used Adobe Illustrator and/or InDesign.
ARTICLE 3 Richest 1% of people own nearly half of global wealth, says report
Credit Suisse study shows inequality accelerating, with NGOs saying it shows economic recovery ‘skewed towards wealthy’ A model on a luxury yacht at a boat show in the port of Dalian. A model on a luxury yacht at a boat show in the port of Dalian. China now has more people in the top 10% of global wealth holders than any other country. Photograph: Johannes Eisele/AFP/Getty Images The richest 1% of the world’s population are getting wealthier, owning more than 48% of global wealth, according to a report published on Tuesday which warned growing inequality could be a trigger for recession. According to the Credit Suisse global wealth report (pdf), a person needs just $3,650 – including the value of equity in their home – to be among the wealthiest half of world citizens. However, more than $77,000 is required to be a member of the top 10% of global wealth holders, and $798,000 to belong to the top 1%. “Taken together, the bottom half of the global population own less than 1% of total wealth. In sharp contrast, the richest decile hold 87% of the world’s wealth, and the top percentile alone account for 48.2% of global assets,” said the annual report, now in its fifth year. The report, which calculates that total
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$117tn calculated for 2000 – found that the UK was the only country in the G7 to have recorded rising inequality in the 21st century. Its findings were seized upon by antipoverty campaigners Oxfam which published research at the start of the year showing that the richest 85 people across the globe share a combined wealth of £1tn, as much as the poorest 3.5 billion of the world’s population. “These figures give more evidence that inequality is extreme and growing, and that economic recovery following the financial crisis has been skewed in favour of the wealthiest. In poor countries, rising inequality means the difference between children getting the chance to go to school and sick people getting life saving medicines,” said Oxfam’s head of inequality Emma Seery. “In the UK, successive governments have failed to get to grips with rising inequality. This report shows that those least able to afford it have paid the price of the financial crisis whilst more wealth has flooded into the coffers of the very richest.” The $20.1tn rise in global wealth over the past year is the largest recorded since 2007. The total has risen every year since 2008 and is now 20% above its pre-crisis peak, the report said. Wealth in the US in the past year had grown by as much as the $12.3tn the country lost in the financial crisis.
The Credit Suisse analysts pointed to the debate that has been sparked by work such as that by Thomas Piketty into long-term trends towards inequality. It pointed out that while inequality had increased in many countries outside the G7, within the group of most developed economies it was only in the UK that inequality had risen since the turn of the century. “Only one of them, the UK, recorded rising inequality over the entire period 2000–2014 and only three show an increase after 2007 – France, Italy and the UK,” the report says. Of the UK, it says: “Nowadays the pattern of wealth distribution in the UK is very typical for a developed economy. Almost 60% of the population has wealth exceeding $100,000 and there are two million US dollar millionaires”. Other calculations by the Credit Suisse team “hint at raising global wealth inequality in recent years” and show that overall wealth in the US has grown at a faster pace than incomes. The authors warned it was a trend that could point to recession. “For more than a century, the wealth income ratio has typically fallen in a narrow interval between 4 and 5. However, the ratio briefly rose above 6 in 1999 during the dotcom bubble and broke that barrier again during 2005–2007. It dropped sharply into the “normal band” following the financial
crisis, but the decline has since been reversed, and the ratio is now at a recent record high level of 6.5, matched previously only during the great Depression. This is a worrying signal given that abnormally high wealth income ratios have always signaled recession in the past,” the report said. China now has more people in the top 10% of global wealth holders than any other country except for the US and Japan, having moved into third place in the rankings by overtaking France, Germany, Italy and the United Kingdom.
Inspriation
52
KEY WORDS
When looking at this article I started to brainstorm and thought of what the whole article meant to me. It would allow me to explode my ideas, starting from a simple question of ‘How do people get rich?’ allowed me to go through every aspect of what I thought of that question. This answered expanded from every aspect, talking about growth, poverty, child labour, equality to inequality. This was a good way to start the project as it allowed me to look at relevant articles and artists similar to the project.
Wealth Inequality Description: “An unequal distribution of financial assets between people. It differs from income inequality in that the latter refers to salary, whereas wealth concerns all assets of value including savings, property, and equities. The distribution of wealth is highly uneven across societies, with a small percentage of the population owning a large proportion of the assets, and the majority owning comparatively little. For example, Wolff notes that in the United States, which has one of the most iniquitous distributions of wealth in the world, 61.9 per cent of all wealth was held by just 5 per cent of the population in 2007, with the poorest 40 per cent of the population owning just 0.2 per cent of assets. Wealth inequalities exist across different axes of identity such as gender, race, and disability. For example, women are much more likely to have fewer financial assets than men. Moreover, the wealth inequality between nations has been widening, extending the wealth gap between the developed and developing countries. It has been argued that wealth inequalities, and the transference of wealth from the poor to the rich through inappropriate credit lending, was one of the causes of the 2007 global finance crash. It is also suggested, through the ‘spirit level’ thesis, that if wealth was more evenly distributed, society as a whole would benefit as social and health costs would be reduced.” Wolff, E. N. (2010), Recent Trends in Household Wealth in the United States: Rising Debt and the Middle-Class Squeeze—an Update to 2007.
Emma Seery: Emma leads Oxfam GB’s policy and campaign work to tackle extreme inequality - the gap between the rich and the rest - which undermines poverty, democracy and fair societies. Emma is responsible for leading work on fairer tax and fiscal policy, free public services - like health and education, and other policy interventions that can reverse extreme inequality, as well as exposing the scope and scale of inequality that makes progressive and game-changing policy and practice change so urgent. She is author of Working for the Many: Public Services Fight Inequality and co-authored the Lift Lives for Good report. Summary: Economic inequality – the skewed distribution of income and wealth – is soaring. Oxfam’s own research has found that the 85 richest individuals in the world have as much wealth as the poorest half of the global population. Economic inequality is also putting lives on the line – more than 1.5 million lives are lost each year due to high income inequality in rich countries alone. A recent study of 93 countries estimated that reducing the income share of the richest 20 per cent by just one percentage point could save the lives of 90,000 infants each year. Estimates also show that failing to tackle inequality will add hundreds of billions of dollars to the price tag of ending poverty, putting the achievement of any new post2015 poverty goals in jeopardy.
five W’s
5 W’S
For the research I looks at the 5 W’s, Who?, What?, When?, Where?, Why? & How?. These would allow me to make a Thought Process, and generate ideas.
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Mind Map
MIND MAPS
For my next stage for my research I did a mine map. This would bring out key words, which would be the main element of this project and what could inspire me when coming with ideas.
The common key words that kept on coming up were, Equality, Poverty, Selfishness, Greed, Work, Luck & Money.
Idea Generation
IDEA GENERATION
When looking at all the key words, I noticed a trend with common key words appearing. I then later set some time to then come up with as many ideas as I could.
This helped me to get one idea down, and expand it as much as I could. I chose to focus on greed, and the bankers of the UK and how it has effected the taxpayers.
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Greed
GREED
Finally I chose my focus words and the idea around the concept. This was on Greed, and the concept around greed and bankers. It had helped me find the final idea of what I wanted to produce.
Banks
58
BANKS
The final idea, and research behind it. Including articles, facts and links for websites which would help the consumer.
Final Idea
FINAL IDEA
My Final Idea consist of a leaflet for the general public, this leaflet is a informational leaflet, (an infographic styling) which would demonstrate if the public (the taxpayers) trust the bankers, and if they do or don’t what they actually do with the money. The idea around this project is simple, to show them the true fact, and if they do not like it and want to change, it will demonstrate how they can change . The facts are backed up from the research and will show evidence of the bankers and what they have done, as it has happened to the public before. I will use iconography to demonstrate the facts and make it visually pleasing for the consumer to read the leaflet and start to change.
Iconography
ICONOGRAPHY
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For this project, I mainly focused on icons for the main source of visual element. I wanted to uses the icons, to reference everything to do with banking and money, and it’s impact.
£ $ ¥ €
$ ¥ € ¢
¥ € ¢ £
€ ¢ £ $
¢ £ $ ¥
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BACKGROUND
€ Euro Sign
¥
Japanese Yen Sign
The background design has been chosen to be vibrant and to show the currency used and known by the public so they can instantly recognise and understand what this project is going to be about.
£
British Pound Sterling Sign
$
American Dollar Sign
¢ Cent Sign
Information BANKS
- Top 5 Banks = HSBC Holdings = Barclays PLC = Royal Bank of Scotland Group = Lloyds Banking Group = Standard Chartered PLC - The UK banking system went into crisis which then affected to everyone leading to a recession. The taxpayers (you) had to pay ÂŁ132bn just to bail the banks that started this out since 2008. Three Banks Accused for Starting the Recession: = Barclays = Royal Bank of Scotland = UBS - These three banks had eluded the London Inter-Bank Offered Rate (Libor). The Financial Services Authority (FSA) trawled through the data records of traders at RBS, UBS and Barclays and found numerous incriminating emails, instant messages and phone calls that showed how Libor had been manipulated. Messages including among traders about making many of them rich at the expense of the integrity of the market. They were all fined a combined ÂŁ1.6bn.
Ethical Banking Move Your Money Project:
- The Move Your Money Project is a national campaign to build a better banking system. They are an independent non-profit organisation. Funded by Borrow Cadbury Fund, Joseph Rowentree Charity Trust. They hope to broaden and strengthen ethical banking. Their plan is to find the banks which adopt an ethical policy that excludes lending money to environmentally or socially detrimental projects, or actively focusing on lending to companies and organisations that have a positive impact, a number of British banks do banking far better. Triodos Bank: - Mission to provide finance for organisation with positive environmental, social or cultural impact. - Financed 376 environmental. This has helped generate 2.8 houses electricity for every customer. Charity Bank: - Exclusive to lend to charities and social enterprises. - Supports more than 1000 charities. - Offers a decent rate of interest on savings, whilst financing organisations that work for social and communal ends. Co-Operative Bank: - Seen as the ‘original ethical bank’, started in 1992 - Customers decided which investment are screened. - Blocks investments in key ‘unethical’ areas such as weapons manufacture and fossil fuel financing.
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LLOYDS
RBS
BARCLAYS
CAN YOU TRUST THEM
HSBC
£ $ ¥ € ¢ $ ¥ € ¢ £ ¥ € ¢£ £ $ € ¢ £ $ ¥ ¢ BANKERS £ $ ¥ € £ AGAIN? $ ¥ € ¢ $ ¥ € ¢ £
BANKING CRISIS 2008
NOW DO YOU TRUST THESE BANKS?
DO YOU WANT TO DO IT AGAIN?
These three banks had eluded the London Inter-Bank Offered Rate (Libor). The Financial Services Authority (FSA) trawled through the data records of traders at RBS, UBS and Barclays and found numerous incriminating emails, instant messages and phone calls that showed how Libor had been manipulated. Messages including among traders about making many of them rich at the expense of the integrity of the market. They were all fined a combined £1.6bn.
WHO WAS INVOLVED? What did they do?
The UK banking system went into crisis which then affected to everyone leading to a recession. The taxpayers (you) had to pay £132bn just to bail the banks that started this out since 2008.
1 2 3 Lloyds Banking Group .4 Standard Chartered PLC .5
Royal Bank of Scotland Group .
Barclays PLC .
HSBC Holdings .
Top 5 banks in the uk 2014
1. Barclays 2. Royal Bank of Scotland 3. UBS
H S B C
So why don’t you change over now
Move Your Money Score = 48/100
3. Co-Operative Bank
Charity Bank Move Your Money Score = 92/100
2.
Triodos Bank Move Your Money Score = 92/100
1.
Who are the top three?
Their plan is to find the banks which adopt an ethical policy that excludes lending money to environmentally or socially detrimental projects, or actively focusing on lending to companies and organisations that have a positive impact, a number of British banks do banking far better.
Co-Operative Bank: - Seen as the ‘original ethical bank’, started in 1992 - Customers decided which investment are screened. - Blocks investments in key ‘unethical’ areas such as weapons manufacture and fossil fuel financing. http://www.co-operativebank.co.uk
Charity Bank: - Exclusive to leand to charities and social enterprises. - Supports more than 1000 charities. - Offers a decent rate of interest on savings, whilst financing organisations that work for social and communal ends. http://www.charitybank.org
Triodos Bank: - Mission to provide finance for organisation with positive enviromental, social or cultural impact. - Financed 376 enviromental. This has helped generate 2.8 houses electricity for every customer. http://www.triodos.co.uk/en/personal
Ethical Banks
Funded by Borrow Cadbury Fund, Joseph Rowentree Charity Trust. They hope to broaden and strengthen ethical banking.
The Move Your Money Project is a national campaign to build a better banking system. They are an independent non-profit organisation.
MOVE YOUR MONEY Project? who are they? what do they do?
£ Banks $ ¥in the € uk ¢ £ WAnt $ ¥a change? € ¢ $ ¥ € ¢ £ $ ¥ € ¢ £ ¥ € ¢ £ $ ¥ € ¢ £ $ € ¢ £ $ ¥ € ¢ £ $ ¥ ¢ £ $ ¥ € ¢ £ $ ¥ € £ $ ¥ € ¢ £ $ ¥ € ¢ $ ¥ € ¢ £ $ ¥ € ¢ £
Refernces
68
‘Design is thinking made visual’ - Saul Bass Kirkham, Pat & Jennifer Bass (2011) Saul Bass: A Life in Film & Design. London: Laurence King (Page 2) Photo Jack Orton Photography (2014) http://instagram.com/orton365 (Page 3) Wolff, E. N. (2010), Recent Trends in Household Wealth in the United States: Rising Debt and the Middle-Class Squeeze—an Update to 2007. (Page53) http://www.oxfordreference.com.oaproxy.aub.ac.uk/view/10.1093/acref/9780199599868.001.0001/acref-9780199599868-e-2034 Emma Seery (February 2014) Working for the Man: Public services fight inequality. Published by Oxfam GB for Oxfam International under ISBN 978-178077-566-1 in April 2014. (Page 53) http://policy-practice.oxfam.org.uk/our-people/advocacy/emma-seery “Libor scandal: Can we trust bankers again?” Unknown - BBC News (May 2013) (Page 64) http://www.bbc.co.uk/news/business-22382932 “Top 5 Banks” Unknown - Banks Around the World (Page 64) http://www.relbanks.com/worlds-top-banks/assets “Ethical alternatives to the Co-operative Bank” Rupert Jones.Wednesday 23 October 2013. (Page 64) http://www.theguardian.com/money/2013/oct/23/ethical-alternatives-co-operative-bank “Move Your Money Project - Good Money” Unknown - Move Your Money Project (2014) (Page 64) http://moveyourmoney.org.uk “MoveYourMoney.org.uk logo” Unknown (Page 64) https://pbs.twimg.com/profile_images/523837227587997696/os37UBLK_400x400.jpeg
Stefan Man Arts University Bournemouth BA(Hons) Graphic Design - Level 4