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Prospects

The European branch network will continue to be at the heart of Triodos Bank’s efforts to grow sustainable banking and its impact. It will further build on efforts to actively promote and extend the idea of values-based bank and demonstrate how it can lead to long-term, deep-seated improvements in people’s quality of life.

In 2017 all Triodos Bank’s branches expect to develop further and grow organically.

In Spain, Triodos Bank will look for alliances with organisations who share its values. Its offices will be spaces for networking and encounters, with a pilot plan for internal and public activities, in addition to providing conventional banking services. Investment Funds will be offered to clients, for the first time, in the first quarter of the year. Efficiency will be a key focus, to embed extensive developments in IT, products and services made during 2016.

The UK branch will launch a personal current account in 2017. It will focus on diversifying lending to increase social, cultural and environmental impact, while also looking to increase its social impact bond business – the raising of finance for clients in high social impact areas including youth unemployment, homelessness and children at the edge of care.

The Dutch branch will continue to build bridges between sustainable sectors to strengthen the sustainable business movement as a whole. It will use modern technology where it supports Triodos Bank’s human approach, improving client contact services during the year in particular. The branch intends to personally contact every business or personal customer, helping to deepen their relationship with the organisation.

In Belgium Triodos Bank will further focus on the diversification and sustained growth of the loan portfolio. Sustainable mortgages are expected to maintain their growth thanks to a formula which links increasing energy efficiency with declining rates. Diversification of the loan portfolio and increasing commission income will also be areas of focus.

In Germany the focus again will be to grow the loan book by developing new markets including sustainable property and the social sector as well as a focus in the Berlin region. Customers’ online experience will be further improved to deepen relationships through new developments such as a banking app.

All these efforts will lead Triodos Bank to increase the number of personal customers, investors, and borrowers it serves and to promote the powerful idea of using money consciously to create positive change. It will continue to focus squarely on positive impact, improving people’s quality of life in local markets on the strength of its pan-European base.