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Triodos Bank
Triodos Bank (TRIO) investor relations material
Triodos Bank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary12 Mar, 2026
Executive summary
Reported a net loss of €25 million for 2025, mainly due to a €59.7/€60 million provision for German fiber optic market exposure and other strategic provisions, while core banking activities remained resilient with stable net interest margin and strong deposit growth.
Achieved €1.1 billion in new business lending and €736–€763 million in new residential mortgages, with the mortgage portfolio reaching €5.6 billion and customer deposits rising to €15.1 billion, mainly from personal banking customers.
Strategic milestones included listing depository receipts on Euronext Amsterdam, high settlement offer acceptance (82.4%), and significant progress in litigation risk reduction.
Focused growth strategy led to winding down German banking, ceasing mortgage origination in Belgium and Spain, simplifying Spanish operations, and closing offices in Spain.
Met 2030 emissions target in 2025, achieving a 42% reduction in greenhouse gas emissions compared to 2020.
Financial highlights
Net result was €-25 million (2024: €-3 million), impacted by provisions for German fiber optic loans and DR settlements.
Net interest margin remained stable at 1.92% (down from 2.10% in 2024); net interest income declined 5% to €331.1 million.
Cost to income ratio improved to 85% (2024: 97%); operating expenses decreased to €374.2 million.
CET1 ratio improved to 17.4% (2024: 16.4%), well above regulatory requirements.
Deposits from customers grew 4.1% to €15.1 billion, with strong growth in the Netherlands.
Outlook and guidance
Expecting loan growth of 3%-5% and stable or rising net interest income in 2026, with a return to income growth and lower operating expenses.
Fit for Impact program targets €25-€30 million annual cost reduction by 2028 and a reduction of 250-270 FTEs.
Cost to income ratio target set at 70%-75% and return on equity at 5%-7% midterm.
Wind-down of German business to be completed by end of 2027.
Legal expenses expected to decline further in 2026.
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H1 202613 Aug, 2026
Triodos Bank
Next Triodos Bank earnings date
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