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Triodos Bank is now a medium sized bank. We have put considerable effort and resources in to further strengthening our risk management and internal governance in 2014 to meet the requirements of this level of operations. We want to further embed these improvements in Triodos Bank’s business as usual in 2015.

We also expect to extend our stakeholder engagement, talking with more of the people most interested in Triodos Bank through a structured programme in all the branches where we operate.

Excluding unforeseen circumstances, Triodos Bank expects to continue to maintain its operational profits in 2015. It 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. At the same time we recognise that the economic downturn that has resulted from the financial crisis, and a slow recovery in some countries, will continue in 2015 and may have a negative impact on Triodos Bank’s results. Despite these external factors, Triodos Bank expects to maintain its net profit level in 2015.