Triodos Bank Nv

Empty Homes Community Grants Programme Regional

Meeting 26th June 2013 – Accessing Finance

Mark Ogden

Relationship ManagerClick icon to add picture

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.

{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.

Who we are

Our mission is to make money work for positive social, environmental and

cultural change.

More specifically, we are in business to:

• 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.

Who we are – our mission

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.

Who we are

Our values

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.

Who we are

Group overview

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!

Who?

•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

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

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

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!)

What come next?

•Probably further questions / clarification•Loan approval process•Loan offer•Then the hard work starts! Valuation / legal documentation•Drawdown – monitoring

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

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.

We’d like to talk to you