TlB Annual Report 2009 - Triodos Bank

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INCOME 20. INTEREST INCOME 2009 2008 Loans 64,342 63,457 Banks 16,578 27,093 Interest-bearing securities 17,454 10,790 Other investments 51 33 98,425 101,373 The interest income includes revenues derived from financial loans and related transactions, as well as related commissions, which by their nature are similar to interest payments. The interest-bearing securities item includes transaction results in the amount of EUR 2.0 million (2008: nil). 21. INTEREST EXPENSE 2009 2008 Funds entrusted 44,060 55,400 Subordinated liabilities 1,269 1,464 Banks 23 71 Other 356 334 22. COMMISSION INCOME 45,708 57,269 2009 2008 Guarantee commission 409 248 Share register 2,710 2,594 Administrative expenses charged on 3,847 2,265 Payment transactions 1,367 684 Lending 1,582 1,057 Insurance brokerage 266 502 Asset Management 1,881 1,642 Management fees 17,634 15,620 Research fees 9 38 Capital issues for third parties 347 7 Other commission income 19 39 30,071 24,696 106 TRIODOS BANK - ANNUAL REPORT 2009
23. COMMISSION EXPENSE 2009 2008 Commission to agents 427 282 Asset Management 172 169 Other commission expense 95 84 24. RESULT ON FINANCIAL TRANSACTIONS 694 535 2009 2008 Exchange results for foreign currency transactions 115 4,080 Transaction results on currency forward contracts 75 58 Result on unwinding interest rate contract 1,582 — 1,772 4,138 25. OTHER INCOME This relates to fees for other services performed and book profits from the sale of assets including the profit from the sale of Triodos Assurantiën in the amount of EUR 1.3 million and a non-recurring income from a lawsuit in the amount of EUR 0.8 million. TRIODOS BANK - ANNUAL REPORT 2009 107
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TlB Annual Report 2009
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Key figures in pounds amounts in mi
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Triodos Bank nv ANNUAL REPORT 2009
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Triodos Group Structure at 1 Januar
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▼ Supervisory Board Annual Report
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Executive Board Annual Report The y
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other inspiring values-driven banks
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Statement of funds entrusted per br
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sustainability levels of the variou
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depository receipt was eur 71, incr
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Triodos Bank The Netherlands 2009 w
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Key figures The Netherlands amounts
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Triodos Bank Belgium The Belgian ba
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Key figures Belgium amounts in thou
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Triodos Bank United Kingdom The fin
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Key figures United Kingdom amounts
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Triodos Bank Spain The economic cri
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Key figures Spain amounts in thousa
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Triodos Bank Germany On 1 December
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TRIODOS BANK - ANNUAL REPORT 2009 3
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Triodos Bank Private Banking Privat
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Key figures Triodos Bank Private Ba
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Triodos Investment Management Triod
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in developing countries. The fund d
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TRIODOS SICAV II-TRIODOS MICROFINAN
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TRIODOS MEERWAARDE AANDELENFONDS (T
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Key figures Triodos Investment Mana
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Risk Management and Compliance Trio
Page 59 and 60: Lending decisions are made by local
Page 61 and 62: alance sheet and profit and loss ar
Page 63 and 64: isk appetite is economic capital. T
Page 65 and 66: Corporate Governance Triodos Bank i
Page 67 and 68: Statement of institutions with a pa
Page 69 and 70: Stakeholder dialogue Triodos Bank m
Page 71: TRIODOS BANK - ANNUAL REPORT 2009 6
Page 74 and 75: Young co-workers in particular were
Page 76 and 77: salaries. No bonuses were distribut
Page 79 and 80: ▼ Environmental report This repor
Page 81 and 82: WASTE As a result of the ems evalua
Page 83 and 84: BASIS OF NOTES AND ENVIRONMENTAL KE
Page 85: Environmental key figures absolute
Page 88 and 89: Consolidated balance sheet as at 31
Page 90 and 91: Consolidated statement of changes i
Page 92 and 93: Consolidated cashflow statement for
Page 94 and 95: GOVERNMENT PAPER AND INTEREST-BEARI
Page 96 and 97: TAXATION ON OPERATING RESULT Taxes
Page 98 and 99: The balance sheet value of the bank
Page 100 and 101: Part of the value of securities is
Page 102 and 103: The movement in goodwill paid is as
Page 104 and 105: The movement in equipment is as fol
Page 106 and 107: The movement of the provisions is a
Page 108 and 109: Fair values The following table set
Page 112 and 113: EXPENSES 26. CO-WORKER AND OTHER AD
Page 114 and 115: The salary expenses and reimburseme
Page 116 and 117: 27. DEPRECIATION, AMORTISATION AND
Page 118 and 119: Segment reporting KEY FIGURES 2009
Page 120 and 121: KEY FIGURES 2008 BY BRANCH AND BUSI
Page 122 and 123: LENDING BY SECTOR IN 2009 in thousa
Page 124 and 125: LENDING BY SECTOR IN 2008 in thousa
Page 126 and 127: Solvency in thousands of EUR The so
Page 128 and 129: Risk management in thousands of EUR
Page 130 and 131: Corporates: 100%; Retail exposures:
Page 132 and 133: Risk-weighted value per country The
Page 134 and 135: The following table sets out the ac
Page 136 and 137: Notes: Interest bearing securities
Page 138 and 139: Solutions for Biotectura is an inno
Page 140 and 141: Company balance sheet as at 31 Dece
Page 142 and 143: Company statement of changes in the
Page 144 and 145: Notes to the company’s financial
Page 146 and 147: The movement in goodwill paid is as
Page 148 and 149: 36. PROVISIONS 2009 2008 Pension pr
Page 150 and 151: Auditor’s fees The table below sp
Page 152 and 153: TO THE ANNUAL GENERAL MEETING OF DE
Page 154 and 155: Two years ago, Vincent Remy receive
Page 156 and 157: helping to make sure that we combin
Page 158 and 159: Board of SAAT MR. J.C. VAN APELDOOR
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MR. J. LAMERS (1948) Jan Lamers is
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Alara in Camden, London, makes cere
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GRI Content Index Triodos Bank prep
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SOCIAL PERFORMANCE INDICATORS: SOCI
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Production Triodos Bank NV 2009 Ann
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TlB Annual Report 2009 - Triodos Bank

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