TlB Annual Report 2009 - Triodos Bank

Corporates: 100%;
Retail exposures: 75% or 100%;
Secured by property: 35% for exposures secured by residential property, 50% or 100% for exposures secured by
non residential property;
Past due items: 50% or 100% for exposures secured by residential property; 100% or 150% for other exposures;
the percentage depends on the amount of doubtful debt provisions that have been formed;
Other items: 100%.
Conversion factors only apply to off-balance sheet items. The conversion factors used by Triodos Bank are:
Contingent liabilities: 0.5 or 1.0, depending on the nature of the issued guarantee;
Irrevocable facilities: 0.2 or 0.5, depending on the original term to maturity of the credit facility.
Exposure classes are defined in the Basel II guidelines. Other items include participating interests, property and
equipment and other assets without counterparties.
Maturity of assets per exposure class
The following tables provide an overview of the remaining maturity of the assets per exposure class. The payable
on demand and indefinite include accrued interest and fees, doubtful debt provisions and balance sheet items
with no or unknown maturity.
Central governments
and central banks
Regional governments
and local authorities
2009 2009 2009 2009 2009 2009
Payable on > 2 days & ≥ 3 months 1-5 years > 5 years Total assets
demand ≤ 3 months & ≤ 1 year
63,110 9,967 51,548 164,830 120,220 409,675
405 — 20,000 27,981 8,000 56,386
Banks 314,637 245,632 107,271 128,539 1,000 797,079
Corporates 52,256 25,447 78,935 335,934 492,723 985,295
Retail exposures 6,388 791 2,561 7,290 21,918 38,948
Secured by property 28,237 6,224 17,086 96,284 464,627 612,458
Past due items 10,916 411 516 2,229 10,599 24,671
Other items 48,150 — — — — 48,150
Total 524,099 288,472 277,917 763,087 1,119,087 2,972,662
126 TRIODOS BANK - ANNUAL REPORT 2009