The European branch network will continue to be at the heart of Triodos Bank’s efforts to grow sustainable banking and its impact. It will further build on efforts to actively promote and extend the idea of values-based bank and demonstrate how it can lead to long-term, deep-seated improvements in people’s quality of life.

In 2019 all Triodos Bank’s branches expect to develop further and grow organically.

In Spain, Triodos Bank will look for alliances with organisations who share its values. Its offices will be spaces for networking and encounters. Plans to offer Investment Funds to clients, for the first time, were postponed until 2018 due to the need to focus on the impact of new regulations. Efficiency will continue to be a key focus, to embed extensive developments in IT, products and services made during 2017.

The UK branch will focus on growing retail customer numbers and delivering positive impact across a broader range of sectors with renewed focus on financing small business and community owned projects. A number of exciting new projects are also due to launch on the crowdfunding platform. Triodos Bank UK are closely involved in government initiatives which support the clean energy transition including national Funds to pump prime investment in renewable heat and Electric Vehicle infrastructure.

The Dutch branch will continue to build bridges between sustainable sectors to strengthen the sustainable business movement. It will use modern technology where it supports Triodos Bank’s human approach, improving client contact services during the year in particular. The branch personally contacts every new business or personal customer, when possible, helping to deepen their relationship with the organisation.

In Belgium Triodos Bank will focus on investments, among other things through the addition of the digital channel to distribute its investment solutions, on the one hand and on sustained growth of the loan portfolio on the other. Sustainable mortgages are expected to maintain their growth thanks to a formula which links increasing energy efficiency with declining rates. The branch will continue to carefully manage funds entrusted in line with the loan portfolio. Special attention will also be given to the enhancement of client service processes.

In Germany the focus again will be to grow business volumes by developing new markets including sustainable consumption and to continue attracting large numbers of new retail customers. Customers’ experience will be further improved through constant improvement of relationship management.

All these efforts will lead Triodos Bank to increase the number of personal customers, investors, and borrowers it serves and to promote the powerful idea of using money consciously to create positive change. It will continue to focus squarely on positive impact, improving people’s quality of life in local markets on the strength of its pan-European base.