TlB Annual Report 2009 - Triodos Bank

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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
Central governments and central banks 2008 2008 2008 2008 2008 2008 Payable on > 2 days & ≥ 3 months 1-5 years > 5 years Total assets demand ≤ 3 months & ≤ 1 year 52,188 298 20,077 211,710 45,110 329,383 Banks 119,444 280,971 295,500 — 1,000 696,915 Corporates 36,948 27,054 39,683 148,902 403,551 656,138 Retail exposures 6,049 2,625 4,889 20,016 61,083 94,662 Secured by property 24,943 16,966 26,874 107,252 324,157 500,192 Past due items 6,804 244 1,410 4,286 14,999 27,743 Other items 43,928 — — — — 43,928 Total 290,304 328,158 388,433 492,166 849.900 2,348,961 Risk-weighted value per sector The following table provides an overview of the credit risk per sector (including off-balance sheet items and derivatives). Sector 2009 2008 Risk-weighted % Risk-weighted % value value Banks and financial intermediation 192,257 11 237,319 16 Basic materials 6,125 — 6,791 1 Construction and infrastructure 675 — 616 — Consumer products (non-food) 4,876 — 4,474 — Retail 21,779 1 21,341 1 Services 206,232 12 159,108 11 Healthcare and social work 178,514 10 150,535 10 Agriculture and fishing 82,740 5 64,741 4 Media 6,659 — 5,838 — Utilities 603,448 34 414,877 28 Private individuals 40,632 2 22,634 2 Leisure and tourism 59,196 3 65,343 4 Transport and logistics 7,185 — 6,547 1 Real estate 105,053 6 75,161 5 Insurance and pension funds 501 — 501 — Food and beverages 49,830 3 45,290 3 Other sectors 229,444 13 205,006 14 Note: The figures of 2008 have been changed based on renewed insights. 1,795,146 100 1,486,122 100 The sectors are defined in the Basel II guidelines. Risk-weighted value is attributed to the sector of the direct counterparty. TRIODOS BANK - ANNUAL REPORT 2009 127
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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
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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 126 and 127: Solvency in thousands of EUR The so
Page 128 and 129: Risk management in thousands of EUR
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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