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Our sectors

Triodos Bank has been a leading expert in sustainable banking for over 30 years. The organisations we finance, and how finance them demonstrates what we mean by that. We believe, for example, that genuinely understanding our clients, their business and the markets they work in, or being open and transparent about how we use our saver's money is key to a sustainable financial sector.

We are dedicated to financing positive change. We have built a track record financing organisations that work in the nature and the environment, social business and culture and welfare sectors;  because we believe that their success will lead to a sustainable economy that's better for people, the environment we share, and culture.

Sustainable Banking

Sustainable Banking is using money with conscious thought about its environmental, cultural and social impacts, and with the support of savers and investors who want to make a difference, by meeting present day needs without compromising those of future generations.

Energy & Climate

Our expertise in Energy and Climate

For a transition from a carbon-based economy to a sustainable economy, it's essential to reduce energy demand, to use energy as efficiently as possible, and to invest massively in renewable energy systems, while switching to low carbon fuels. 

Triodos Bank considers energy to be a basic human need and therefore something that we need to ensure is being generated and used on a sustainable basis for future generations.

 

Organic Food & Agriculture

Our expertise in Organic Food and Agriculture

Our relationship with the soil and the earth requires a systemic perspective.

We can no longer afford to keep a world view that thinks of agricultural land as the starting point for a limitless process of extraction. Rather, agriculture needs to be seen within the context of a natural system. This system includes nutrients, water, biodiversity, animal welfare and social conditions.

Sustainable Property and Private Mortgages

Buildings currently consume 40% of all energy that is produced in the EU and contribute a similar proportion of Europe’s carbon emissions. If we are to make the transition to a genuinely sustainable economy, we need to address how we build and maintain buildings.

Technologies and techniques are available to build new properties using sustainable materials and design. These buildings consume much lower amounts of energy and emit less carbon, making a major impact on a traditionally highly carbon inefficient industry. This presents an exciting opportunity for Triodos Bank to be part of building the future.

Arts & Culture

Our expertise in Arts and Culture

Arts and culture play an important role in the personal development of individuals and the cohesion of society as a whole. Creative expression provides new perspectives, inspires and connects people.

Arts and culture should contribute to personal development and a vibrant civil society. They can inspire and motivate change.

The cultural sector is dynamic and versatile. Cultural entrepreneurship is booming. Many institutions are wholly or partly commercial and target a wide and diverse audience. Triodos Bank fits in to the dynamics of a sector with this entrepreneurial focus and finances innovative cultural entrepreneurs to help increase its impact.

Education

Triodos Vastgoedfonds

We believe that education brings huge benefits to the individual in terms of personal development and well-being – and to society in terms of economic development and social cohesion.

Because Triodos Bank believes in improving quality of life across the social spectrum, it argues that it is important that the education system is sufficiently diverse and inclusive to cater to the needs of all individuals no matter what their abilities.

Some educational establishments practicing progressive education concepts, or those working with individuals with special needs, require financial support other than government funding. We aim to contribute to maintaining and nurturing this diversity within the education system – to produce positive impact for individuals, their families and society.

Community Projects & Social Housing

There are many social organisations and charities developing commercially viable approaches to tackling social problems. At the same time, we see a growing number of social entrepreneurs: individuals creating new business models driven by a social motive to serve a specific group in their community or in society, underpinned by the notion of disciplined business management.

We see the potential for this emerging ‘Social Economy’ sector to play a positive and significant role alongside the public sector and the conventional business sector in shaping our future economies.

Health Care

Triodos Bank supports providers of care services who demonstrate a human-centred approach at the heart of their organisation.

By financing values-based care providers, especially those focused on elderly and special-needs, we can help improve the quality of life for individuals in care and the overall wellbeing of a society in the midst of a transition in how we organise social care.

Microfinance

Our expertise in Microfinance

Access to finance offers a lifeline to millions of people enabling them to better manage their daily life, cope with unexpected difficulties, fulfill aspirations and plan for the future. Yet, there are still two billion people worldwide who are excluded from basic financial products and services.

Based on our deep-rooted commitment to make money work for positive change, Triodos Bank aims to address this challenge because we strongly believe that access to finance gives people the freedom of choice to pursue the life they wish to live. Inclusive finance offers financial services, including savings, credit, and insurance to traditionally underserved people. These services enable them to better support themselves and their families and improve their quality of life.