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Triodos Bank is a true values-driven bank. The mission of the bank is to make money work for positive social, environmental and cultural change. Banking for a better world.

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  1. 1. Welcome to Sustainable BankingBrussels, March 20, 2012
  2. 2. Table of contents1. Marketing 3.0. a glance2. Triodos Bank at a glance3. Our deposit clients4. Marketing Communication5. What about Kotler? 2
  3. 3. Marketing 3.0. Philip Kotler model of the future Building theNew definition of Marketing: brand = keyBrand – Positioning – DifferenciationBrand-Identity – Brand Integrity – Brand-Image:• Brand-Identity : postioning the brand in the head of the client=> ratio  Positionering : unique to be seen and heard in an overfull market  Positionering : relevant to adress rational needs and desires of clients• Brand Integrity : fullfill the positioning, the promise• – create credibility and trust through authenticity and differenciation ; talks to the soul• Brand-Image: : create a strong emotion; must adress the , the hart => to lead to action and buy-decision 3
  4. 4. Triodos Bank at a glance4
  5. 5. Sustainable bankingThe basics of banking Investment Funds Savers SRI Funds Private Banking Savings 5 Branches : NL – BE – UK – ES – GE 355.000 clients (+ 24%) Total balance : 4.3 billion (+21%) Net profit : 17 million (+ 51%) credits AUM : 6.8 billion (+21%) - Finance to 96 microfinance institutions in 43 countries Social Ecological Cultural Global Alliance for Banking on Values 5
  6. 6. Buildings blocks 1980 1993 1994 2004 2009 Opening Triodos Opening Triodos Opening Opening Triodos Opening Triodos Netherlands Belgium Triodos UK Spain Germany 1994 2004 2006 2009 Fondation Triodos-Doen Sustainable Triodos Triodos Fondation Hivos-Triodos Real Estate Fund Culture Fund Microfinance Fund (Microfinance) 1990 2000 2007 First Green fund Triodos Meerwaarden Triodos Sicav I , Lux, in Europe Fondsen, NL (Sustainable Equity, Bond, (Equity, Bond, Mixed) Mid&Small caps, Mix Fund) 6
  7. 7. Mission- To help to create a society that protects and promotes the quality of life of all its members- To enable individuals, organisations and businesses to use their money in ways that benefit people and the environment, and promote sustainable development- To provide our clients with innovative financial products and high quality service 7
  8. 8. Triodos Bank in Belgium 50.000 clients, 90 employees, 1 billion depositsRetail Banking: savings accounts, fixed term deposits,electronic bankingBusiness Banking: current account, savings accounts, fixedterm deposits, electronic bankingPrivate Banking: sustainable portfolio management incooperation with Puilaetco Dewaay Private BankersCredit and Project Finance: environmental, cultural and socialprojects.Investment Funds: Equity, Bond, Mid & Small Cap Equityinvestments with rigourous sustainability criteria and engaged dialogwith companies worldwide. Microfinance and renewable energyfunds. 9
  9. 9. }The Triodos way of banking> Sustainabality> Stability> Long Term Vision> Transparancy> Human scale> Profitability
  10. 10. Loans to depositsBillion euro Loans Deposits Conversion ratio 4,0 90% 85% 3,5 80% 77% 3,0 75% 2,5 71% 70% 2,0 64% 65% 60% 1,5 61% 63% 55% 1,0 50% 0,5 45% 0,0 40% 2007 2008 2009 2010 2011 11
  11. 11. Oriented long term • Tension of maximam 1 to 10 between lowest and highest salary • No variable salary: no bonusses, no stock options 12
  12. 12. TransparancyBreng uw spaargeld in kaart/ Suivez votre épargne à latraceSavers know where theirmoney is used for 13
  13. 13. About Triodos Bank AnnexExample of projectsThe Saint Patrick windfarm, in theNorth of France, counts 15 turbines with a totalpower of 35 MW.One of the largest onshore wind energy projectsfinanced by Triodos Bank Belgium. 14
  14. 14. About Triodos Bank AnnexExample of projectsUltima Vez vzw, Brussels, is a dancecompany established in 1986 by Wim Vandekeybus.It houses the various dance, film and produceractivities. Ultima Vez is an internationally respectedmature artistic organisation. Its’ primary activity is thecreation of dance performances whileit also engages in educational projectstowards various target groups, i.e. youngsters,amateurs, professionals.Triodos Bank financed the sustainable refurbishmentof a building to house the company’s activities. 15
  15. 15. About Triodos Bank AnnexExample of projectsRoomeR bvba, Gent, is a small breweryestablished by the brothers Maarten en Jeroen drinkMichels. It is a craft business producing abased on local elderflowersproduce. Sustainability scores high not only withregards to raw materials, the social impact of theenterprise is also a central theme.Triodos Bank financed the completion of the factorybuilding, production line automation and logisticsfacilities. 16
  16. 16. About Triodos BankExample of projectsAutre Chose, a shop in Rixensart, offers alarge choice of organic and naturalproducts: general food products , health andbeauty products, cleaning products. Each year “AutreChose” grows its client base by 10%.Triodos Bank financed the shop extension andfoodware cooling system. 17
  17. 17. Our deposit clients 18
  18. 18. Cultural Creatives+40 yearsAverage to highly educatedAverage to high income (top salaries not included because less affinity, it shows)Men and women (50/50)Interest in leisure and cultureFriends are importantLikes to travel, to visit cafés and restaurantsBuys bio, fairtrade en eco productsAttentive to equal rights, diversity, environment 19
  19. 19. High educated on average(diploma of main responsible for the income) Secundary 16% Bachelor 22% Master 37% Master +extra, 26% Doctor = very high in general 20
  20. 20. Marketing Communication21
  21. 21. How clients get to know us advertisement in a paper/mag 14% internet advertisement 1% press article 21% exhibition or event 9% via family 12% via agent of the bank 2% via neigbours, colleges, friends, … 27% via a non-profit organisation 31% via my profession 6% another way 6% dont know it anymore 12% 22
  22. 22. Three pillars TRUST (ratio) rationele pijler ENGAGEMENT (soul) sociale pijler PRIDE (emotion) emotionele pijler
  23. 23. 24
  24. 24. What about Kotler ?25