The following are the main results achieved in 2019 together with details of Triodos Bank’s divisions, its products and services, their broader impact, and prospects for the coming years. Because Triodos Bank integrates its values-based mission and strategy these results combine both financial and non-financial performance. They are designed to provide you with an insight into what our mission and strategic objectives have translated into in practice, in 2019.

In 2019, Triodos Bank decided to apply a more advanced approach of the effective interest rate method. The new approach was applied retrospectively and resulted in changes to the prior year figures for 2018. The impact on the figures is further described and quantified in the chapter “General accounting principles”.