TlB Annual Report 2009 - Triodos Bank

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CURRENT ACCOUNTS Approximately half of all new customers opened a current account with us. More than 44,000 customers now use Triodos Bank for their everyday banking. Thanks to a new Card Management System, introduced in the spring of 2009, the opening time for current accounts has been reduced by about a week. Total credit balances on personal current accounts grew by eur 36 million (120%) and on business current accounts by eur 33 million (40%). INSURANCE In 2009 we decided to discontinue our insurance brokerage activities, in order to fully focus on expanding our core activity of banking. The portfolio was sold to Meijers Assurantiën in Amstelveen. One co-worker was employed by Meijers, and all the others continued to work within the Dutch branch of Triodos Bank. PROSPECTS FOR 2010 In March 2010 Triodos Bank The Netherlands expects to move to a new building close to the current office, freeing up valuable space for other parts of the bank to expand in to. The new building has been completely refurbished to provide an open working environment to help aid the exchange of ideas, and a modern and open communication area to meet with customers. As a founding partner of De Groene Zaak, a new Dutch lobby group of more than 30 companies, Triodos Bank will challenge the government to create a more favourable investment climate for sustainable businesses. In the first half of 2010 we expect to widen our current account services with the popular ideal payment system for internet purchases. We expect funds entrusted to grow by eur 125 million and the number of customers to increase to 175,000. In the Business Banking department a number of new account managers will be hired to speed up lending, so we can increase the proportion of funds entrusted that are actually lent out. Since there are many sustainable businesses and projects asking for finance from us, we expect strong growth in the loan portfolio of eur 118 million. Zeist, 24 February 2010 Matthijs Bierman, Managing Director For more information: www.triodos.nl www.mijngeldgaatgoed.nl www.eerlijkebankwijzer.nl 20 TRIODOS BANK - ANNUAL REPORT 2009
Key figures The Netherlands amounts in thousands of EUR 2009 2008 Funds entrusted* 1,232,494 982,064 Number of accounts 135,350 92,748 Loans 587,791 525,495 Number 11,365 6,880 Balance sheet total* 1,361,575 1,095,621 Total income 28,746 22,848 Operating expenses -20,210 -17,359 Value adjustments to receivables -2,222 -1,562 Operating result before taxation 6,314 3,927 Taxation on operating result -1,610 -1,001 Net profit 4,704 2,926 Number of co-workers at year-end 125 107 * The amounts are shown before intercompany eliminations. The comparable figure for 2008 has been adjusted. TRIODOS BANK - ANNUAL REPORT 2009 21
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Page 49 and 50: in developing countries. The fund d
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Young co-workers in particular were
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salaries. No bonuses were distribut
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▼ Environmental report This repor
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WASTE As a result of the ems evalua
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BASIS OF NOTES AND ENVIRONMENTAL KE
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Environmental key figures absolute
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Consolidated balance sheet as at 31
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Consolidated statement of changes i
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Consolidated cashflow statement for
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GOVERNMENT PAPER AND INTEREST-BEARI
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TAXATION ON OPERATING RESULT Taxes
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The balance sheet value of the bank
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Part of the value of securities is
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The movement in goodwill paid is as
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The movement in equipment is as fol
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The movement of the provisions is a
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Fair values The following table set
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INCOME 20. INTEREST INCOME 2009 200
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EXPENSES 26. CO-WORKER AND OTHER AD
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The salary expenses and reimburseme
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27. DEPRECIATION, AMORTISATION AND
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Segment reporting KEY FIGURES 2009
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KEY FIGURES 2008 BY BRANCH AND BUSI
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LENDING BY SECTOR IN 2009 in thousa
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LENDING BY SECTOR IN 2008 in thousa
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Solvency in thousands of EUR The so
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Risk management in thousands of EUR
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Corporates: 100%; Retail exposures:
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Risk-weighted value per country The
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The following table sets out the ac
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Notes: Interest bearing securities
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Solutions for Biotectura is an inno
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Company balance sheet as at 31 Dece
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Company statement of changes in the
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Notes to the company’s financial
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The movement in goodwill paid is as
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36. PROVISIONS 2009 2008 Pension pr
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Auditor’s fees The table below sp
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TO THE ANNUAL GENERAL MEETING OF DE
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Two years ago, Vincent Remy receive
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helping to make sure that we combin
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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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