Bank Basic Information
Bank type: Triodos Bank is an independent commercial bank, not state-owned, nor joint-venture.
Founded: 1980.
Headquarters location: Driebergen-Rijsenburg, the Netherlands.
Shareholder Profile: All shares are held by the Triodos Bank Shares Management Foundation (SAAT), ensuring the independence and continuity of the bank's mission.
Listing: Not listed on a traditional stock exchange, but trading depositary receipts through the Certin platform.
Service
coverage: Mainly operating in the Netherlands, Belgium, Germany, Spain and the United Kingdom.
Number of offline outlets: Branches in the above countries.
ATM Distribution: Expand customers' access to cash by partnering with Cardtronics to manage its ATM network.
Regulatory & Compliance
regulator: Regulated by the Dutch Financial Market Authority (AFM).
Deposit Insurance Scheme: Participate in the Deposit Protection Scheme in the Netherlands, which provides protection of up to €100,000 per depositor.
Recent compliance record: In 2019, DNB requested Triodos Bank to improve its customer due diligence policy, which the bank completed by April 2022.
Financial health
capital adequacy ratio: As of June 2024, the common equity Tier 1 capital adequacy ratio was 17.08% and the total capital adequacy ratio was 20.72%, which exceeded regulatory requirements.
Non-Performing Loan Ratio: Major loans are concentrated in the low-risk residential mortgage segment, with good asset quality.
Liquidity Coverage Ratio: Maintain a strong liquidity buffer to meet day-to-day operations and unexpected cash flow needs.
Deposit & Loan Products
Deposit Class: Demand and term deposit accounts are available, emphasizing the use of funds for sustainable projects.
Loans: Focus on financing sustainable projects, including home loans, corporate loans, etc., with an emphasis on social and environmental impacts.
List of common fees
Account Management Fee: Fees vary depending on the account type.
Transfer fees: Domestic and cross-border transfer fees may vary, it is recommended to check with your bank for details.
Overdraft fees, ATM inter-bank withdrawal fees: The fee structure is transparent, please refer to the bank's official information for specific fees.
Hidden Fee Tips: Banks are committed to fee transparency and avoid hidden fees.
Digital service experience
APP and online banking: Provide mobile banking applications that support account management, transfers, bill payments and other functions.
Technological innovation: Actively participate in the application of open banking APIs to improve customer experience.
Customer Service Quality
Service Channels: Phone support and live chat are available, hours may vary by country.
Complaint Handling: Committed to efficiently handling customer complaints and improving customer satisfaction.
Multi-language support: Local language support is available in the countries where it operates, and English support may be available in some countries.
Security Measures
Security of funds: Participate in the Deposit Protection Scheme to ensure the safety of customer funds.
Data security: ISO 27001 certification ensures the effectiveness of the information security management system.
Featured Services & Differentiation
market segments: Providing green financial products to support sustainable development projects.
High Net Worth Services: Customized sustainable investment solutions through Triodos Investment Management.
Market Position & Accolades
Industry ranking: Leading position in sustainable banking.
Awards: Named 'Best Ethical Finance Provider' by the UK Bank Awards for four consecutive years and winner of the King's Enterprise Award in the sustainability category in 2025.
