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20. Irrevocable Facilities

These relate to the total liabilities in respect of irrevocable undertakings, which may lead to a further loan.

Other off-balance sheet liabilities

In addition to the contingent liabilities and irrevocable facilities reported on the balance sheet, the deposit guarantee scheme and the investor compensation scheme is applicable as stated in Article 3:259 of the Act on Financial Supervision.

Rental commitments

in thousands of EUR

Download XLS

 

 

 

Location

Amount per annum

Residual term

 

 

 

 

 

 

Zeist, The Netherlands

530

32 months

Zeist, The Netherlands

166

24 months

Zeist, The Netherlands

410

36 months

Brussels, Belgium

809

96 months

Edinburgh, United Kingdom

31

105 months

Albacete, Spain

9

2 months

Badajoz, Spain

26

48 months

Barcelona, Spain

116

23 months

Bilbao, Spain

14

3 months

Gerona, Spain

12

37 months

Granada, Spain

31

10 months

La Coruña, Spain

37

9 months

Las Palmas, Spain

9

3 months

Madrid, Spain

230

23 months

Madrid, Spain

35

3 months

Madrid, Spain

19

3 months

Malaga, Spain

80

36 months

Murcia, Spain

24

7 months

Oviedo, Spain

80

11 months

Palma de Mallorca, Spain

22

4 months

Pamplona, Spain

16

3 months

Santa Cruz de Tenerife, Spain

14

3 months

Sevilla, Spain

24

3 months

Valencia, Spain

37

7 months

Valladolid, Spain

22

3 months

Zaragoza, Spain

15

6 months

Frankfurt, Germany

253

42 months

 

 

 

Lease commitments

in thousands of EUR

Lease commitments relates primarily to cars have been entered between 2 and 48 months with an annual charge of EUR 880.

Commitments for software use

in thousands of EUR

The following commitments have been entered for software use:

  • A fixed annual payment of EUR 100 regarding a mortgage tool.
  • For a period of at least 3 year a variable annual charge of approximately EUR 285 regarding the use of a banking system.

Other Commitments

in thousands of EUR

The following commitments have been entered:

  • Services relating managing of mortgages for a period of at least 1 year with an annual charge of EUR 672.
  • Services relating payment transactions for a period of at least 5 years with an variable annual charge of approximately EUR 4,050.
  • Services relating payment transactions for a period of at least 1 year with an variable annual charge of approximately EUR 75.
  • Services relating protection of payment systems for a period of at least 1.5 years with an variable annual charge of approximately EUR 240.
  • Services relating providing temporary co-workers for the customer contact center for a period of at least 3 months with an variable annual charge of approximately EUR 540.
  • Services relating archive storage and destruction for a period of at least 3 years with an variable annual charge of approximately EUR 37.

Triodos Bank works since 2011 on the realisation of a new office building, with the objective to start using the building in 2016. Due to various factors, the effective start of the building works has been postponed to 2017. Completion of the new office is now scheduled for 2018.