AFM

Autoriteit Financiële Markten (The Netherlands Authority for the Financial Markets )

AGM

Annual General Meeting

ALCo

Asset and Liability Committee

AML

Anti-Money Laundering

AR

Annual Report

ATM

Automatic Teller Machine

BCBS

Basel Committee on Banking Supervision

BCM

Business Continuity Management

BIA

Basic Indicator Approach

BMR

Benchmarks Regulation

BRRD

Bank Recovery and Resolution Directive

CASS

Client Money and Custody Asset

CBS

Central Bureau of Statistics (Netherlands)

CCA

Climate Change Adaptation

CCM

Climate Change Mitigation

CEO

Chief Executive Officer

CET

Common Equity Tier

CET-1

Common Equity Tier 1

CET-2

Common Equity Tier 2

CFO

Chief Financial Officer

CFRO

Chief Financial and Risk Officer

CO2e

CO2 equivalent

COO

Chief Operating Officer 

CRO

Chief Risk Officer

CRR/CRD

Capital Requirements Regulation/Capital Requirements Directive

CSRD

Corporate Sustainability Reporting Directive

DGS

Deposit Guarantee Scheme

DNB

De Nederlandsche Bank (The Central Bank of the Netherlands)

DR

Depository Receipts

DRH

Depository Receipt Holders

EAD

Exposure at Default

EB

Executive Board

EBA

The European Banking Authority

ECAI

External Credit Assessment Institutions

ECB

European Central Bank

ECL

Expected Credit Losses

EDI

Equity, Diversity and Inclusion

EDRHM

Extra Depository Receipt Holders’ Meeting

EGM

Extraordinary General Meeting

ERM

Enterprise Risk Management

ESG

Environmental, Social and Governance

EU

European Union

EUR

Euro

EURIBOR

Euro Interbank Offered Rate

EVE

Economic Value of Equity

FTE

Full Time Equivalent

FVOCI

Fair Value Through Other Comprehensive Income

FVPL

Fair Value Through Profit or Loss

FX Forward

Foreign Exchange Swap

GABV

Global Alliance for Banking on Values

GAR

Green Asset Ratio

GBP

The British pound sterling

GDP

Gross Domestic Product

GHG

Greenhouse gases

HQLA

High-Quality Liquid Assets

HR

Human Resources

IAS

International Accounting Standards

IASB

International Accounting Standards Board

IBOR

Interbank Offered Rate

IBR

Incremental Borrowing Rate

ICAAP

Internal Capital Adequacy Assessment Process

ICMA

The International Capital Market Association

ICT

Information and Communication Technology

IEB

Impact Equities and Bonds (funds)

IFRS

International Financial Reporting Standards

ILAAP

The Internal Liquidity Adequacy Assessment Process

IRRBB

Interest Rate Risk in the Banking Book

IRS

Interest Rate Swaps

ISAE

International Standard on Assurance Engagements

ISDA

The International Swaps and Derivatives Association

IT

Information Technology

ITGC

Information Technology General Controls

KYC

Know Your Customer

LCR

Liquidity Coverage Ratio

LGD

Loss Given Default

LoD

The Three Lines of Defence

MARC

Model and Assumptions Review Committee

MTF

Multilateral Trading Facility

NAV

Net Asset Value

NCI

Non Controlling Interest

NFRD

Non-Financial Reporting Directive

NII

Net Interest Income

NSFR

Net Stable Funding Ratio

NZBA

Net-Zero Banking Alliance

OCI

Other Comprehensive Income

OIS

The Overnight Index Swap

ORM

Operational Risk Management

PCAF

Partnership for Carbon Accounting Financials

PD

Probability of Default

POCI

Purchased or Originated Credit Impaired

PwC

PricewaterhouseCoopers Accountants N.V.

Q&A

Questions and Answers

RCSA

Risk and Control Self-Assessment

RMBS

Residential Mortgage-Backed Securitisation

RoA

Return on Assets

RoE

Return on Equity

SAAT

Stichting Administratiekantoor Aandelen Triodos Bank

SBTi

Science Based Targets initiative

SDG

UN Sustainable Development Goals

SFAP

Sustainable Finance Action Plan

SFDR

Sustainable Finance Disclosure Regulation

SIRA

Systematic Integrity Risk Analysis

SME

Small and Medium-sized Enterprises

SOC

Security Operations Centre

SPPI

Solely Payments of Principal and Interest

SRA

Strategic Risk Assessments

SREP

Supervisory Review and Evaluation Process

STS

Simple Transparent and Standardised (Securitisation Framework)

TBL

Triple Bottom Line

TCR

Total Capital Ratio

TIBER

Threat Intelligence Based Ethical Red Teaming

T-IM

Triodos Investment Management

TLTRO

TLTROIII or Targeted Longer-Term Refinancing Operations

TMF

Triodos Microfinance Fund

TRMC

Triodos Regenerative Money Center

UK

United Kingdom

UNGPs

UN Guiding Principles on Business and Human Rights

VAT

Value-Added Tax

VGBA

Verordening gedrags- en beroepsregels accountants (Dutch Code of Ethics)

ViO

Verordening inzake de onafhankelijkheid van accountants bij assurance opdrachten (Code of Ethics for Professional Accountants, a regulation with respect to independence)