Solvency

in thousands of EUR

The solvency is calculated according to the Basel II guidelines.

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Amounts in thousands of EUR

2010

2009

 

 

 

The tier 1 capital and own funds can be specified as follows:

 

 

Share capital

249,352

221,029

Share premium

57,566

51,507

Statutory reserve

7,867

6,762

Other reserve

35,763

29,532

Retained earnings

11,509

9,577

Minus: proposed dividend

–9,725

–8,608

Minus: intangible fixed assets

–14,646

–13,974

 

 

 

 

 

 

Tier 1 capital (a)

337,686

295,825

Revaluation reserve

59

43

Subordinated liabilities after deduction of discount

22,694

22,680

 

 

 

 

 

 

Own funds (b)

360,439

318,548

Capital requirements (c)

196,400

154,642

 

 

 

 

 

 

Surplus of own funds (b-c)

164,039

163,906

 

 

 

Tier 1 ratio (a/c * 8%)

13.8%

15.3%

BIS ratio (b/c * 8%)

14.7%

16.5%

 

 

 

The capital requirements can be specified as follows:

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Amounts in thousands of EUR

2010

2009

 

 

 

Capital requirement for credit risk

183,161

143,578

Capital requirement for market risk

Capital requirement for operational risk

13,239

11,064

 

 

 

 

 

 

 

196,400

154,642

 

 

 

The capital requirement for credit risk is 8% of the risk-weighted value of assets, off-balance sheet items and derivatives.

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Amounts in thousands of EUR

2010

2009

 

 

 

Risk-weighted assets

1,929,175

1,608,853

Risk-weighted off-balance sheet items

343,416

175,934

Risk-weighted derivatives

16,919

9,934

 

 

 

 

 

 

 

2,289,510

1,794,721

 

 

 

Capital requirement percentage

8%

8%

Capital requirement amount for credit risk

183,161

143,578

 

 

 

The capital requirement for market risk exclusively concerns exchange rate risk in the case of Triodos Bank. The capital requirement is 8% of the net open foreign currency position if the net open foreign currency position is more than 2% of the actual own funds. The capital requirement is zero if the net open foreign currency position is less than 2% of the actual own funds.

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Amounts in thousands of EUR

2010

2009

 

 

 

Bottom line of 2% of the actual own funds

7,225

6,371

Net open foreign currency position

2,120

1,593

Capital requirement percentage

0%

0%

Capital requirement amount for market risk

 

 

 

The capital requirement for operational risk is 15% of the average income of the previous three years.

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Amounts in thousands of EUR

2010

2009

 

 

 

Total income 2007

n/a

59,213

Total income 2008

73,737

73,737

Total income 2009

88,336

88,336

Total income 2010

102,702

n/a

 

 

 

Average income previous three years

88,258

73,762

Capital requirement percentage

15%

15%

Capital requirement amount for operational risk

13,239

11,064

 

 

 

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