TlB Annual Report 2009 - Triodos Bank

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Solvency in thousands of EUR The solvency is calculated according to the Basel II guidelines. 2009 2008 Own funds (a) 314,336 208,007 Capital requirements (b) 154,676 127,835 Surplus (a-b) 159,660 80,172 BIS ratio (a/b * 8%) 16.3% 13.0% The own funds can be specified as follows: 2009 2008 Equity 314,238 204,151 Minus: proposed dividend -8,608 -5,650 Minus: intangible fixed assets -13,974 -13,160 Plus: subordinated liabilities after deduction of discount 22,680 22,666 The capital requirements can be specified as follows: 314,336 208,007 2009 2008 Capital requirement for credit risk 143,612 118,889 Capital requirement for market risk — — Capital requirement for operational risk 11,064 8,946 154,676 127,835 The capital requirement for credit risk is 8% of the risk-weighted value of assets, off-balance sheet items and derivatives. 122 TRIODOS BANK - ANNUAL REPORT 2009
2009 2008 Risk-weighted assets 1,609,278 1,341,752 Risk-weighted off-balance sheet items 175,934 135,880 Risk-weighted derivatives 9,934 8,490 1,795,146 1,486,122 Capital requirement percentage 8% 8% Capital requirement amount for credit risk 143,612 118,889 The capital requirement for market risk exclusively concerns exchange rate risk in the case of Triodos Bank. The capital requirement is 8% of the net open foreign currency position if the net open foreign currency position is more than 2% of the actual own funds. The capital requirement is zero if the net open foreign currency position is less than 2% of the actual own funds. 2009 2008 Bottom line of 2% of the actual own funds 6,287 4,160 Net open foreign currency position 1,593 2,915 Capital requirement percentage 0% 0% Capital requirement amount for market risk — — The capital requirement for operational risk is 15% of the average income of the previous three years. 2009 2008 Total income 2006 n/a 45,964 Total income 2007 59,213 59,213 Total income 2008 73,737 73,737 Total income 2009 88,336 n/a Average income previous three years 73,762 59,638 Capital requirement percentage 15% 15% Capital requirement amount for operational risk 11,064 8,946 TRIODOS BANK - ANNUAL REPORT 2009 123
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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
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Lending decisions are made by local
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alance sheet and profit and loss ar
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isk appetite is economic capital. T
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Corporate Governance Triodos Bank i
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Statement of institutions with a pa
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Stakeholder dialogue Triodos Bank m
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TRIODOS BANK - ANNUAL REPORT 2009 6
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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 110 and 111: INCOME 20. INTEREST INCOME 2009 200
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 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
Page 160 and 161: MR. J. LAMERS (1948) Jan Lamers is
Page 162 and 163: Alara in Camden, London, makes cere
Page 164 and 165: GRI Content Index Triodos Bank prep
Page 166 and 167: SOCIAL PERFORMANCE INDICATORS: SOCI
Page 168 and 169: Production Triodos Bank NV 2009 Ann
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TlB Annual Report 2009 - Triodos Bank

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