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词条 Triodos Bank
释义

  1. Policy

      Criteria for lending[11]    Transparency  

  2. See also

  3. References

  4. External links

{{Infobox company
| name = Triodos Bank N.V.
| logo = Triodos Bank.svg
| type = Public, not listed
| foundation = 1980
| location = Zeist, Netherlands
| key_people = Peter Blom, CEO
| products = Sustainable banking
| homepage = [https://www.triodos.com/ www.triodos.com]
| industry = Financial services
| num_employees = 1,427 (2018)[1]
| revenue = €266.2 million (2018)[1]
| net_income = €38.6 million (2018)[1]
| aum = €15.543 billion (2018)[1]
}}Triodos Bank N.V. is a bank based in the Netherlands with branches in Belgium, Germany, United Kingdom and Spain. It claims to be a pioneer in ethical banking. Triodos Bank finances companies which it thinks add cultural value and benefit both people and the environment. That includes companies in the fields of solar energy, organic farming or culture. The name Triodos is derived from the Greek "τρὶ ὁδος - tri hodos," meaning "three-way approach" (people, planet, profit). Triodos Bank's balance sheet was worth EUR 5.3 billion by the end of 2012.[2] The bank was founded as an anthroposophical initiative and continues to honor the work of Rudolf Steiner as the inspiration for its approach to banking.[3][4]

Savers can open conventional savings accounts, as well as ethical funds and venture capital. Triodos also has an active international department, supporting microfinance initiatives across the developing world. Triodos is the only commercial bank in the UK to provide an annual list of all the loans the bank has made.[5]

In 1980 Triodos launched the first "green fund", a fund for environmentally friendly projects, on the Amsterdam Stock Exchange.[6] Friends of the Earth in the Netherlands claims that transferring 10,000 euros in savings from a "climate laggard" such as ABN Amro to Triodos will effectively result in a carbon dioxide emissions saving equivalent to what would be achieved by not driving a car for six months.[7] The bank compensates 100% of its own CO2 emissions.[8]

Triodos took over the British ethical bank Mercury Provident in 1994.[9]

As of 2018, Triodos Bank has 700.000 customers worldwide.[10]

The bank operations and customer relations are mainly based on the web, but adapt to local customs. In Spain, for example, physical offices are preferred by the clients and therefore several commercial offices have been opened in the major towns.

Policy

Triodos Bank maintains the following policy concerning the financial activities and investments:

Criteria for lending[11]

Triodos is unusual in that it only lends to businesses and charities judged to be of social or ecological benefit.[12][13][14] This "positive screening" extends its policies beyond those of ethical banks which solely avoid investing in companies judged to be doing harm ("negative screening").[15][16] The bank uses money deposited by close to 100,000 savers and lends it to hundreds of organisations, such as fair trade initiatives, organic farms, cultural and arts initiatives, renewable energy projects, and social enterprises.

"[Triodos] does not lend to organisations, businesses and projects that are directly involved for more than 5% of its activities in non-sustainable products and services or non-sustainable working processes. Triodos Bank will however, to the best of its knowledge, exclude all organisations, businesses and activities that produce or distribute nuclear energy, weapons and environmentally hazardous substances"[17][13]

Transparency

Triodos "publish details of every organisation [they] lend to, and invest in".[18] The bank displays its annual report online for loans and funds entrusted, which highlights key Triodos Bank facts and figures.[19]

See also

  • Charity Bank
  • Ethical banking
  • Shared Interest

References

1. ^{{cite web|url=http://www.annual-report-triodos.com/en/2018/our-group/key-figures-and-statistics/key-figures.html |title=Triodos Bank Annual Report 2018|publisher=Triodos Bank|accessdate=21 March 2019}}
2. ^{{cite web | url = http://report.triodos.com/en/2012/managementreport/results/triodosbankgroup.html | title = Triodos Bank Annual Report 2012 | accessdate = 2014-02-02}}
3. ^[https://www.triodos.co.uk/downloads/articles-of-association-triodos-bank-NV.pdf?audience=About%20Triodos Triodos Bank, Articles of Association 2017]
4. ^https://www.triodos.com/downloads/about-triodos-bank/corporate-governance/articles-of-association-triodos-bank.pdf
5. ^{{cite web | url = http://www.ethicalconsumer.org/buyersguides/money/banksavingsaccounts.aspx | title = Guide to savings accounts | accessdate = 2012-09-16 | date = February 2012}}
6. ^{{cite web |first=Marco |last=Visscher |url=http://www.odemagazine.com/doc/30/banking_on_change/ |title=Banking on Change |publisher=Odemagazine.com |date=Jan–Feb 2006 |deadurl=yes |archiveurl=https://web.archive.org/web/20081015211122/http://www.odemagazine.com/doc/30/banking_on_change/ |archivedate=2008-10-15 |df= }}
7. ^{{cite news | first= | last= | coauthors= | title=Green campaigner sees red over those eco-unfriendly big banks | date= 2007-07-07| publisher= | url =https://www.theguardian.com/money/2007/jul/07/ethicalmoney.accounts | work =The Guardian | pages = | accessdate = 2013-08-21| language = | location=London}}
8. ^{{cite web | url = http://report.triodos.com/en/2012/ourgroup/abouttriodosbank/keyfigures.html | title = Triodos Bank Annual Report 2012: Key Figures | accessdate = 2014-02-02}}
9. ^Paul Gosling, [https://www.independent.co.uk/news/business/ethical-banks-to-merge-1410422.html "Ethical banks to merge"], The Independent, 30 January 1994
10. ^{{cite web | url = https://www.triodos.nl/over-triodos-bank|language=nl| title = Over Triodos Bank| accessdate = 2018-11-07 | date = November 2018}}
11. ^{{Cite web|url=https://www.triodos.co.uk/en/about-triodos/what-we-do/lending-strategy/|title=Lending Strategy of Triodos|last=|first=|date=|website=|access-date=}}
12. ^{{Cite web|url=https://bankwijzer.be/nl|title=Fair Finance Guide on Triodos (Belgium)|last=|first=|date=|website=|access-date=}}
13. ^{{Cite web|url=https://eerlijkegeldwijzer.nl/bankwijzer/banken/triodos-bank/|title=Fair Finance Guide Netherlands on Triodos|last=|first=|date=|website=|access-date=}}
14. ^{{Cite web|url=https://www.fairfinanceguide.de/ffg-d/banken/triodos-bank/|title=Fair Finance Guide Germany on Triodos|last=|first=|date=|website=|access-date=}}
15. ^{{cite news | first= Sandra| last= Haurant| coauthors= | title=Put your money where your mouth is | date= 2004-03-04| publisher= | url =https://www.theguardian.com/money/2004/mar/04/isas.moneyinvestments | work =The Guardian | pages = | accessdate = 2013-08-21 | language = | location=London}}
16. ^{{Cite web|url=http://www.philanthropy-impact.org/news/triodos-bank-named-%E2%80%98sustainable-bank-year%E2%80%99-ft|title=Triodos Bank named ‘Sustainable Bank of the Year’ by Financial Times (2009)|last=|first=|date=|website=|access-date=}}
17. ^https://www.triodos.co.uk/downloads/our-approach-to-lending.pdf
18. ^{{Cite web|title = Why we're different: 100% transparent|url = https://www.triodos.co.uk/en/about-triodos/why-were-different/transparency/|website = www.triodos.co.uk|accessdate = 2015-12-15}}
19. ^{{Cite web|url=https://www.triodos.co.uk/en/about-triodos/corporate-information/key-figures/|title=Key Figures|last=|first=|date=|website=www.triodos.co.uk|access-date=2018-03-23}}

External links

{{Portal|Banks}}{{commons category}}
  • {{Official website|https://www.triodos.com }}
  • Finances, 2008-2012
  • [https://eerlijkegeldwijzer.nl/bankwijzer/banken/triodos-bank/ Fair Finance Guide Netherlands] (screening of Triodosbank)
{{Dutch financial services companies}}

6 : Banks of the Netherlands|Ethical banking|Anthroposophy|Social enterprises|Companies based in Utrecht (province)|Zeist

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