As a values-based bank, Triodos Bank integrates impact, risk and return when making decisions. Since the foundation of Triodos Bank 40 years ago, creating positive impact has been the driving principle. This section summarises our vision on impact and how this is embedded in our organisation. Triodos Bank is an active member of several frontrunning initiatives on impact management and we highlight the most important ones for 2020 here. We also look at some key challenges in impact management for the coming years.