TRIODOS BANK

Triodos Bank N.V. is a Netherlands-based retail and business bank founded in 1980 and focused on financing organizations and projects with defined social, environmental, or cultural objectives, including renewable energy, sustainable agriculture, social housing, and arts and culture. It operates through branches in the Netherlands, Belgium, Germany, Spain, and the United Kingdom, offering personal current and savings accounts (availability varies by country), business accounts, and lending to entities that meet published sector standards and screening criteria; it also distributes impact investment products through Triodos Investment Management, a wholly owned subsidiary that manages funds investing in areas such as inclusive finance, energy and climate, and food and agriculture, noting that investment products are not deposits and can lose value. Triodos Bank N.V. is authorised and supervised by De Nederlandsche Bank and the Dutch Authority for the Financial Markets; in its branch markets it is subject to local supervision within the relevant regulatory frameworks. Eligible deposits with Triodos Bank N.V., including those via its branches (such as in the UK), are protected up to €100,000 per person per bank by the Dutch Deposit Guarantee Scheme; investment products and certain other instruments are not covered. The bank operates primarily through online and mobile channels with limited physical locations, provides standard payment services (e.g., debit cards and domestic/SEPA transfers), and may charge account and service fees depending on the market. Triodos is funded by customer deposits and by depository receipts for shares in Triodos Bank N.V.; its shares are not listed on a public stock exchange, and trading in depository receipts occurs on a dedicated multilateral trading facility with scheduled auctions and limited liquidity, following a period during which trading was suspended and subsequently restructured. Governance includes a foundation (SAAT) that holds the underlying shares and exercises voting rights. Concentration in sustainability-oriented sectors shapes the loan book profile, and as with any bank, earnings and capital are sensitive to credit, market, and interest rate conditions. Products, eligibility, fees, rates, and protections can differ by country and are subject to change.