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Prospects

Triodos Bank will develop its work on the basis of a new three year plan which begins in 2016. The plan will focus on exploring opportunities beyond its traditional core banking, developing more innovative approaches to sustainable finance, deepening its relationship approach and becoming more of a learning organisation.

Excluding unforeseen circumstances, Triodos Bank expects a lower operational profit in 2016 mainly due to the sector-wide introduction of a contribution to the Dutch Deposit Guarantee Scheme, lower interest margins and substantial investments in the business. Triodos Bank will extend its impact through a more diversified loan portfolio, quality financial services with sustainability at their core and encourage and provide finance for enterprises increasing the sustainable impact of their business. We recognise that the economic downturn that has resulted from the financial crisis, and a slow recovery in some countries, will continue in 2016 and may have an additional impact on Triodos Bank’s results. Because of these factors, Triodos Bank expects to deliver a lower net profit in 2016 compared to 2015.