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Welcome to sustainable banking
By Lionel Dieu
Investment Officer Emerging Markets at Triodos Investment Management
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Triodos Bank
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Triodos Bank
Welcome to sustainable banking
{
Triodos Bank is one of
the world’s leading
sustainable banks.
Established in 1980,
we have pioneered a
groundbreaking,
commercially
successful approach
to money that values
people, the
environment and
culture, as well as
profit.
– Help create a society that protects and promotes the quality of life of all its members
– Enable individuals, organisations and businesses to use their money in ways that benefit people and the environment, and promote sustainable development
– Provide our customers with innovative financial products and high quality
service
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Triodos Bank
Our ambition
Sustainable banking through retail banking, private banking and investing{
Triodos Bank
Our results for 2012
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Triodos Bank
Organisational structure
Foundation for the administration of
Triodos Bank SharesTriodos Bank
Retail & Business Banking Netherlands | Belgium | Germany | Spain | United Kingdom
Investment ManagementEurope | Emerging markets
Private Banking Netherlands | Belgium
Impact Investing takes place through investment funds or investment institutions bearing the Triodos name. The 21 active funds are grouped in business lines based on the themes they invest in:
• Energy & Climate• Emerging Markets• Real Estate• Arts & Culture• Sustainable Food & Agriculture• Socially Responsible Investment (SRI)
Triodos Investment Management
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Triodos Investment Management
Welcome to Impact Investing
{
– Triodos Investment Management is a globally recognised leader in impact investing, managing direct investments ranging from sustainable energy infrastructure to microfinance institutions.
– In the past 20 years our business has grown on the basis of deep market sector insights and long term relationships with clients with whom we have a shared vision of the future.
– We currently manage ±20 funds (totalling EUR 2.2 billion) investing in both Europe and emerging markets with a range of risk-return profiles and financial instruments.
– Triodos Investment Management is a 100% subsidiary of Triodos Bank and has 100+ staff members across five countries.
Triodos Investment Management
A thematic approach to improve quality of life
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ENERGY ANDCLIMATE
EMERGINGMARKETS
SUSTAINABLE FOOD ANDAGRICULTURE
ARTSANDCULTURE
SOCIALLY RESPONSIBLE INVESTMENTS
SUSTAINABLEREAL ESTATE
Funds entrusted by individuals and institutions
Loans and investments
45%
22%
6%
4%
24%
1%
Energy & Climate
Emerging Markets
Arts & Culture
Sustainable Real Estate
SRI
Other
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Triodos Investment Management
2003 2004 2005 2006 2007 2008 2009 2010 2011 20120
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0.5 0.71.0
1.2 1.3 1.21.6
1.82.1 2.2
In billions of Euros
74% 26%Wholesale / RetailInstitutional Investors
Longstanding and successful commitment to impact investing
{
Impact Investing by Triodos Investment
Management
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Triodos Investment Management
What is Impact Investing
Triodos Investment Management puts societal needs at the heart of the products it offers, while
meeting risk-return profile demands of its institutional and wholesale/retail clients.
Our funds share the Triodos Bank mission of connecting investors and savers to positive change in
society as achieved by innovative entrepreneurs and institutions.
As such, Impact Investing is a strategy that combines financial return with a pro-active stance on
environmental and social issues. Finance is thus identified as a means to a positive social end.
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Positive social
change
Financial return Impact!
Triodos Investment ManagementImpact in 2012
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1.9 million 6.9 million 100 %
775,000
During 2012 ,finance from Triodos Cultuurfonds helped make it possible for 1.9 million visitors to enjoy theatres or museums in the Netherlands.
The renewable energy projects financed generated enough green energy equivalent to the needs of 775,000 European households, avoiding 1,100,000 tonnes of CO2 emissions.
Our specialised microfinance funds provide finance to 99 microfinance institutions in 45 countries in Asia, Latin America and Africa, serving 6.9 million loan clients, of which 65% are women.
100% of money is invested through the investment funds managed by Triodos Investment Management benefit sustainable projects and entrepreneurs.
{
Investing with Impact in Emerging Markets
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{
An estimated 2.7 billion people still
have no or limited access to the
formal financial services.
Access to these financial services
creates opportunities for people and
enables them to shape their future.
These services range from credit
facilities and savings accounts to
payment services and
microinsurance.
Microfinance
Provision of financial services to low-income people
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Investing in microfinance
The process
Triodos microfinance funds provide loans and/or hold equity stakes in
microfinance institutions and banks in Latin America, Asia, Africa and Eastern Europe
that offer financial services to low-income people
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Investing in Microfinance
Our track record
Launch Triodos Microfinance Fund For institutional investors and high net worth individuals and private banking
clients
2009
Launch Triodos-Doen and Hivos-Triodos Fund
1994
2002
Launch Triodos Fair Share FundFor private investors in the
Netherlands
Assets under management in microfinance
As at 31 December 2012
EUR 342 million
45 countries
99 microfinance institutions
Shareholder in 17 institutions and vehicles worldwide
Investing in microfinance
Portfolio at year-end 2011
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{
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6.9 million loan
clients reached
of which 64%
women
6.4 million
savings clients
reached
Microfinance
Impact through the microfinance institutions and banks in portfolio
{
My role as Investment Officer for Africa
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Bank for small and medium-sized
enterprises in Asia
Average loan amount: EUR 12,500
Number of loan clients: 43,000
enterprises employing 8 people on
average
African NGO providing access to finance to
women from poor households in rural areas
Average loan amount: EUR 190
Number of loan clients: 21,500
BISNIS BANK EMPOWERING WOMEN NGO
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EUR 1 million to invest
What would you do?
OR