Following a Public Interest Assessment, DNB concluded that a resolution strategy based on normal insolvency proceedings is appropriate for Triodos Bank N.V. without the need to impose MREL requirements.
Triodos Bank views this outcome positively as it supports a more appropriate capital framework aligned with the bank’s size and risk profile, reducing administrative burden and eliminating the need to issue MREL-eligible bonds.
Triodos Bank’s MREL requirements were 21.7% on Risk Weighted Assets (RWA) as of 1 January 2026 and 5.25% on leverage exposure as of 31 December 2025. Triodos Bank met these requirements with an MREL ratio of 31.0% on RWA and 11.4% on leverage exposure as at 31 December 2025.
This decision does not impact our prudential capital requirements. Under the 2025 Supervisory Review and Evaluation Process (SREP), Triodos Bank was subject to a Total SREP Capital Requirement of 12.18% and an Overall Capital Requirement for Tier 1 capital of 13.02%. As at 31 December 2025, Triodos Bank comfortably met these requirements reporting a CET1 ratio of 17.4% and a Total Capital Ratio of 21.2.%.
Disclaimer
The information in this document has been obtained or derived from sources believed by Triodos Bank N.V. to be reliable at the date of publication of this document. However, no representations are made as to its accuracy or completeness. The information may be subject to change, and Triodos Bank N.V. assumes no undertaking to revise or amend the information provided, or to provide any update in respect of any change related thereto. Triodos Bank N.V. accepts no liability for loss arising from the use of the information. The information is: (i) for discussion purposes only; (ii) not to be regarded as (investment) advice; and (iii) not to be relied upon in substitution for the exercise of independent and sound judgement.
This document does not constitute any commitment or any offer to commit to any transaction or financing by Triodos Bank N.V.
This document may include forward-looking statements. All statements other than statements of historical facts may be forward-looking statements. Some of these forward-looking statements are characterised by the use of words such as (but not limited to): 'expect', 'anticipate', 'estimate', 'may', 'should', 'would', 'believe', 'intend', 'plan', 'contemplate', 'aim', 'could', 'will', 'potential', 'think', 'seek', as well as similar expressions, the future tense and the conditional. The forward-looking statements included in this document with respect to the business, results of operation and financial condition of Triodos Bank N.V. are subject to a number of risks and uncertainties that could cause actual results to differ materially from such forward-looking statements, including but not limited to the following: changes in economic and political conditions, actions taken and policies applied by governments and their agencies, changes in credit spreads or interest rates, the results of our strategy and investment policies and objectives. Triodos Bank N.V. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances that may arise after the date of this document.