Triodos Bank is a leading sustainable bank based in the Netherlands with over €8 billion under management. It has branches across Europe and over 437,000 customers. The bank's mission is to use money to create positive social, environmental, and cultural change. It focuses on sustainability, transparency, excellence, and entrepreneurship. Mark Ogden, a relationship manager, discusses accessing finance for community projects and provides an overview of the information needed to put together a funding proposal, including details on the project leads, development plans and costs, financial projections, and underwriting considerations. Key figures show the bank grew its balance sheet and sustainable lending in 2012.

2. Triodos Bank Nv
Empty Homes Community Grants Programme Regional
Meeting 26th June 2013 – Accessing Finance
Mark Ogden
Relationship Manager

3. Welcome to sustainable banking
Sustainable Banking promotes a conscious use of money that is transparent about its environmental,
cultural and social impacts, and is supported by savers and investors who want to develop a more sustainable
society, thus helping to ensure the needs of the present won’t compromise the needs of future generations.

4. Who we are
Triodos Bank is one of the world's leading sustainable
banks with over €8 billion under management, with
more than 437,000 customers across Europe.

5. Who we are – our mission
Our mission is to make money work for positive social, environmental and cultural
change.
More specifically, we are in business to:
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help create a society that promotes people’s quality of life and has human dignity at its
core
•
enable individuals, organisations and businesses to use their money more consciously
in ways that benefit people and the environment, and promote sustainable development
•
provide our customers with sustainable financial products and high quality service.

6. Who we are
Our values
We are dedicated to making a positive impact on the world, and have four key values
that encapsulate what is important to us, and provide a firm foundation on which to build
our business:
Sustainability: We only finance activities that actively benefit people, the environment
or culture.
Transparency: We strongly believe depositors should know how their money is used.
So we show them on Know Where Your Money Goes.
Excellence: As a bank, we want our products and services to be among the best in our
industry.
Entrepreneurship: We’re constantly working to develop innovative new ways to
finance sustainable sectors and the entrepreneurs leading them.

7. Who we are
Group overview
Founded in 1980, Triodos Bank is a European bank with branches in the Netherlands,
the UK, Belgium, Spain and Germany. The head office is in the Netherlands.
It is authorised by the Dutch Central Bank (DNB) and regulated by the Financial
Services Authority (FSA) for the conduct of UK business.

8. Who, what and where?
A good basic starting point for putting together a proposal
not only for a lending assessment but for your appraisal of
the project too!

9. Who?
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•
•
•
Legal entity – charity, company limited by guarantee?
Details of the people involved in the CLT – CV’s
Succession – So your here now – but who will continue?
Professional team – project manager, architect, solicitors,
QS, valuer and contractor.
• Contractor – financial due diligence, ability to perform and
track record on other projects

10. What?
• Size of development – number of units / type.
• Planning outline / final – conditions, section 106
(mortgagee in possession).
• All to be let / sold / mixture
• Value before, during and after
• Costing for the build – who by and testing of them

11. Where?
• Where is it?
• Need in area – survey evidence for demand – type of
demand – intermediate rental, shared equity.
• Part of larger scheme
• Impact on local community

12. Number crunching
• Accounts for the entity
• How much do you need and over what term?
• Input and sources – local capital raising, grants or other –
timescales
• Development cashflow – reductions when and where from
• Long term cashflow – repayments – rental and other
income.
• Sensitising the cash flows – what if’s? (the “if it can go
wrong it will go wrong principle” – and who picks up
the pieces!)

13. What come next?
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•
•
•
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Probably further questions / clarification
Loan approval process
Loan offer
Then the hard work starts! Valuation / legal documentation
Drawdown – monitoring

14. Key Figures
2012 figures at a glance
Triodos Bank Group
•
Triodos Bank balance sheet: EUR 5.3 billion (23% growth)
•
Triodos Assets under management: EUR 8.0 billion (19% growth)
•
Number of customers: 437,000 (23% growth)
•
Sustainable lending: EUR 3.2 billion (33% growth)
•
Triodos Bank net profit: EUR 22.6 million (31% growth)
•
Equity: EUR 114 million (25% growth)
•
Capital ratio (or Core Tier 1-ratio): 15.9% (2011: 14.0%)
•
Exceeds Basle III requirements

15. We’d like to talk to you
Mark Ogden
Relationship Manager. Food, Farming and Trade Team
07789 986579
Mark.ogden@triodos.co.uk
www.triodos.co.uk
Triodos Bank NV
Deanery Road
Bristol BS1 5AS
Triodos Bank NV, incorporated under the laws of the Netherlands
with limited liability registered in England and Wales BR3012.
Authorised by the Dutch Central Bank (DNB) and regulated by the
Financial Services Authority (FSA) for the conduct of UK business.