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Health and social care – Header image (photo)

Health and social care

Impact measures

In assessing the impact of health and social care, indicators of ‘quality’ are necessarily more qualitative. Whilst the organisations we finance ‘comply’ with best practice guidance, we especially look for those where the focus on quality of care is embedded into the organisational culture.

As a result of its lending across Europe (as in 2013) around 20,000 individuals used facilities offered at 249 care for the elderly projects (2013: 217), financed by Triodos Bank. That means financing 13.8 days of care financed for each Triodos Bank customer.

Health and social care – Impact measures (graphic)

Our vision and activities

Health and social care lending

Percentage of our loans to the health and social care sector

Health and social care – 12.3% of our loans to the health and social care sector (pie chart)

Lending by subsector

Health and social care – Lending by subsector (pie chart)
% derived from data at the time of publication

Our vision on health and social care

Triodos Bank supports providers of care services who demonstrate a human-centred approach at the heart of their organisation.

By financing values-based care providers, especially those focused on elderly and special-needs, we can help improve the quality of life for individuals in care and the overall wellbeing of a society in the midst of a transition in how we organise social care.

Quality care

We also see that by focusing on the quality of care, the organisations we finance are better equipped to attract and retain high quality people which has a positive impact for the people being cared for, and the business’ commercial viability.

Our priorities

Given the need to increase the provision of high quality human-centred social care, we focus in particular on funding the creation or development of additional care facilities.

The increasing demand for the provision of elderly care to meet the needs of an ageing society, means we focus our finance on elderly-care facilities. We also concentrate on supporting care services for people with special needs which respond to the challenges and abilities of each individual.

Our activities

The demand for health and social care services in Europe is changing reflecting demographic trends and shifting governmental policy.


Projected old-age dependency ratio

The ratio of people aged 65+ compared to people aged between 15-64 (expressed as a percentage)

Health and social care – Projected old-age dependency ratio (map)

Derived from: Eurostat

Whereas every country has its own system for funding health and care services, there is a shared need to increase the availability of high quality care provision.

Case study


Health and social care – Case study Apascide (photo)

The story behind Apascide

What challenge was the inspiration for your project?

In Spain an estimated 6,000 people cannot see or hear. They depend on touch to communicate with their surroundings which, ordinarily, provides just 3% of the information we take in. The Spanish Association for DeafBlind Families (Apascide) was founded in Seville in 1991. Its mission is to end isolation for deaf blind people.

Problems became more apparent for Apascide’s deaf and blind member’s children when they reached the ages of 16-18 because there were no centres that could cater for them beyond high school. They would stay at home or go to facilities for people with different challenges, such as development disabilities, psychiatric illness and autism. Then, in 2010, Apascide opened the Santa Ángela de la Cruz centre in the Seville town of Salteras - the first residence of its kind in Spain which enables young deaf and blind adults to continue their education.

What was your innovation that addresses this problem?

The Santa Ángela de la Cruz centre is the first of its kind in Spain. It offers one-to-one contact and care for deaf and blind people, improving their, and their family’s, quality of life.

The centre is accessible to people from all over Spain. The residents and the day centre students complete activities which will improve their communication skills, teach them to become independent, help them to feel valued and, in short, enable them to live a dignified life. Daily tasks such as cooking and ironing and a number of workshops ranging from IT to reading and writing, art, and crafts such as sculpting, sewing and wicker weaving, take place at the centre. There are also opportunities to ride horses and there is a garden, rest area and indoor pool. These activities are crucial to developing manual skills, spatial awareness and a sense of touch. Together they increase confidence and create a sense of achievement, all of which boost self-esteem.

Each detail is carefully thought through by staff who are deaf blind communication specialists. Signs on the doors warn what is on the other side. Wide corridors fitted with hand rails let people move freely and floors are raised and textured. Outside points are infused with different smells to alert residents and attendees and drawer handles and bed boards are distinctively shaped. Tiles in the boys’ bathrooms are different to those in the girls’ bathroom, and so on.

What impact has Triodos Bank had on you and your business?

According to Apascide’s president, this project would not have been possible without finance from Triodos Bank and hundreds of anonymous donations, media coverage to build awareness and public grants. Unfortunately, delays to public grants have been ongoing for some months now and Apascide needs funding for the centre’s basic needs.

Following years of trying to make ends meet at the centre and the near closure in 2012, Triodos Bank offered the centre a solution to its financial problems, enabling it to continue operating. Since then, the association has had an unrestricted credit line at Triodos Bank, giving them the funds they need to cover their day-to-day expenses: from paying employee wages on time to buying food for the canteen.

What impact has your business had on the sector you work in?

The Apascide centre and other awareness-raising initiatives have had a significant impact on the sector thanks to support received from several benefactors and volunteers. Since it opened, the organisation has fought to get the deaf blind condition formally recognised as a disability. In 2004, the European Deaf Blind Network (EdBN) campaign reached the European Parliament. The result was a declaration on 1 April 2004 by the European Parliament recognising deaf blind as “a loss of vision and hearing which makes it difficult to access information, communicate or be mobile.”

The professional deaf blind care given by Apascide and the Santa Ángela de la Cruz centre have made it a centre of excellence. Apascide is now looking to support another similar centre, the Helen Keller Centre, in Ciudad Real for deaf blind and other sensory disabilities and severe communication problems. The project models the service required during each stage of life and the areas that will house the information, documentation, training and assessment needed.

What impact has your business had on the community?

The Santa Ángela de la Cruz centre is currently used by 34 people and their families (18 residents and 16 day centre service users). The organisation hopes to open its doors to more deaf blind people now that it has 11 extra places.

Other significant events include the support programmes for families of deaf blind people: “Support for Carers of Deafblind Children,” “Touch sign-language workshops,” “A Rest for Mums and Dads: weekend and summer camps,” and “Physiotherapy and Swimming.”

The organisation also works tirelessly to raise deaf blind awareness through its website and its educational centres, via training days and conferences, courses and publications. It also has several volunteers that provide support to deaf blind specialists.

How does Triodos Bank share your vision?

Triodos Bank is aware of the importance of centres like Apascide to help overcome the specific problems faced by people suffering from this sensory impairment. From day one it supported the association and the Santa Ángela de la Cruz centre. Apascide’s project was one of six projects in an online open vote by 23,000 people, winning the I Triodos Business Awards and EUR 10,000. Apascide received 8,675 anonymous votes. The prize was awarded in an emotional ceremony held in Madrid in January 2015.


We measure the number of elderly care homes financed and the number of individuals that live in those care homes, across Triodos Bank’s branch network.

We include 100% of the impact when we co-finance a project.

The ‘Impact per customer’ calculations used throughout the annual report are made on the basis of the average deposit per customer across its five branches. This is then matched with the same proportion of Triodos Bank’s total impact in a given sector. There were a total of 530,000 customers at the end of 2014.