Banking activities

During the first six months of 2012, Triodos Bank’s balance sheet increased by 11%, to EUR 4.8 billion. Growth during the same period in 2011 was 7%. This provides continuing evidence of Triodos Bank’s steady growth.

The loan portfolio grew by 9%, compared to 12% during the same period in 2011, in line with an ambitious target for 2012. The ratio of loans to deposits decreased from 76% at the end of 2011 to 74%. The large majority of the loan portfolio has coped well with the economic downturn, and has not resulted in significant changes to our provisions for bad debts.

However, we continued to experience some problems with loans to biomass projects in the
first half of the year. These issues were particularly relevant for the Dutch market. Our level of provisions to this sector increased by EUR 6.6 million in the first half of 2012.

Funds entrusted, which are composed of savings, fixed-term deposits, and sums in current accounts, increased by 11%. Growth in funds entrusted during the same period in 2011 was 7%.

Customer numbers also increased by 40,000 to 395,000 up 11% in the first half of 2012. During the first half of the year the equity increased by 5% to EUR 473 million. Growth during the same period in 2011 was 6%.

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