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Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 1

Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

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Page 1: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

Welcome to sustainable banking

By Lionel Dieu

Investment Officer Emerging Markets at Triodos Investment Management

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Page 2: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

Triodos Bank

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Page 3: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

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Triodos Bank

Welcome to sustainable banking

{

Triodos Bank is one of

the world’s leading

sustainable banks.

Established in 1980,

we have pioneered a

groundbreaking,

commercially

successful approach

to money that values

people, the

environment and

culture, as well as

profit.

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– Help create a society that protects and promotes the quality of life of all its members

– Enable individuals, organisations and businesses to use their money in ways that benefit people and the environment, and promote sustainable development

– Provide our customers with innovative financial products and high quality

service

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Triodos Bank

Our ambition

Sustainable banking through retail banking, private banking and investing{

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Triodos Bank

Our results for 2012

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Triodos Bank

Organisational structure

Foundation for the administration of

Triodos Bank SharesTriodos Bank

Retail & Business Banking Netherlands | Belgium | Germany | Spain | United Kingdom

Investment ManagementEurope | Emerging markets

Private Banking Netherlands | Belgium

Impact Investing takes place through investment funds or investment institutions bearing the Triodos name. The 21 active funds are grouped in business lines based on the themes they invest in:

• Energy & Climate• Emerging Markets• Real Estate• Arts & Culture• Sustainable Food & Agriculture• Socially Responsible Investment (SRI)

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Triodos Investment Management

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Triodos Investment Management

Welcome to Impact Investing

{

– Triodos Investment Management is a globally recognised leader in impact investing, managing direct investments ranging from sustainable energy infrastructure to microfinance institutions.

– In the past 20 years our business has grown on the basis of deep market sector insights and long term relationships with clients with whom we have a shared vision of the future.

– We currently manage ±20 funds (totalling EUR 2.2 billion) investing in both Europe and emerging markets with a range of risk-return profiles and financial instruments.

– Triodos Investment Management is a 100% subsidiary of Triodos Bank and has 100+ staff members across five countries.

Page 9: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

Triodos Investment Management

A thematic approach to improve quality of life

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ENERGY ANDCLIMATE

EMERGINGMARKETS

SUSTAINABLE FOOD ANDAGRICULTURE

ARTSANDCULTURE

SOCIALLY RESPONSIBLE INVESTMENTS

SUSTAINABLEREAL ESTATE

Funds entrusted by individuals and institutions

Loans and investments

Page 10: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

45%

22%

6%

4%

24%

1%

Energy & Climate

Emerging Markets

Arts & Culture

Sustainable Real Estate

SRI

Other

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Triodos Investment Management

2003 2004 2005 2006 2007 2008 2009 2010 2011 20120

1

2

0.5 0.71.0

1.2 1.3 1.21.6

1.82.1 2.2

In billions of Euros

74% 26%Wholesale / RetailInstitutional Investors

Longstanding and successful commitment to impact investing

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{

Impact Investing by Triodos Investment

Management

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Triodos Investment Management

What is Impact Investing

Triodos Investment Management puts societal needs at the heart of the products it offers, while

meeting risk-return profile demands of its institutional and wholesale/retail clients.

Our funds share the Triodos Bank mission of connecting investors and savers to positive change in

society as achieved by innovative entrepreneurs and institutions.

As such, Impact Investing is a strategy that combines financial return with a pro-active stance on

environmental and social issues. Finance is thus identified as a means to a positive social end.

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Positive social

change

Financial return Impact!

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Triodos Investment ManagementImpact in 2012

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1.9 million 6.9 million 100 %

775,000

During 2012 ,finance from Triodos Cultuurfonds helped make it possible for 1.9 million visitors to enjoy theatres or museums in the Netherlands.

The renewable energy projects financed generated enough green energy equivalent to the needs of 775,000 European households, avoiding 1,100,000 tonnes of CO2 emissions.

Our specialised microfinance funds provide finance to 99 microfinance institutions in 45 countries in Asia, Latin America and Africa, serving 6.9 million loan clients, of which 65% are women.

100% of money is invested through the investment funds managed by Triodos Investment Management benefit sustainable projects and entrepreneurs.

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{

Investing with Impact in Emerging Markets

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{

An estimated 2.7 billion people still

have no or limited access to the

formal financial services.

Access to these financial services

creates opportunities for people and

enables them to shape their future.

These services range from credit

facilities and savings accounts to

payment services and

microinsurance.

Microfinance

Provision of financial services to low-income people

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Investing in microfinance

The process

Triodos microfinance funds provide loans and/or hold equity stakes in

microfinance institutions and banks in Latin America, Asia, Africa and Eastern Europe

that offer financial services to low-income people

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Investing in Microfinance

Our track record

Launch Triodos Microfinance Fund For institutional investors and high net worth individuals and private banking

clients

2009

Launch Triodos-Doen and Hivos-Triodos Fund

1994

2002

Launch Triodos Fair Share FundFor private investors in the

Netherlands

Assets under management in microfinance

As at 31 December 2012

EUR 342 million

45 countries

99 microfinance institutions

Shareholder in 17 institutions and vehicles worldwide

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Investing in microfinance

Portfolio at year-end 2011

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{

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6.9 million loan

clients reached

of which 64%

women

6.4 million

savings clients

reached

Microfinance

Impact through the microfinance institutions and banks in portfolio

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{

My role as Investment Officer for Africa

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Page 21: Welcome to sustainable banking By Lionel Dieu Investment Officer Emerging Markets at Triodos Investment Management 0

Bank for small and medium-sized

enterprises in Asia

Average loan amount: EUR 12,500

Number of loan clients: 43,000

enterprises employing 8 people on

average

African NGO providing access to finance to

women from poor households in rural areas

Average loan amount: EUR 190

Number of loan clients: 21,500

BISNIS BANK EMPOWERING WOMEN NGO

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EUR 1 million to invest

What would you do?

OR