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Triodos Bank (TRIO) investor relations material
Triodos Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary14 Aug, 2025
Executive summary
Entered a new strategic phase focused on customer impact, digitalization, innovation, and cost efficiency, with lending and investments aligned to five transition themes across 81 countries.
Achieved €570 million in new business loans, with total loan and investment volume at €15.6 billion.
Customer deposits grew by €288 million (2%) to €14.8 billion, with strong growth from personal banking customers.
Listed depository receipts on Euronext Amsterdam in June 2025, improving tradability, trading volume, and investor access.
Strategic repositioning in Spain and review of German business, with discontinued mortgage origination in Belgium and Spain.
Financial highlights
Net profit for H1 2025 was €17 million, or €27.4 million excluding a €40 million/€14 million provision for the DR settlement.
Return on equity was 2.7%, or 4.4% excluding the provision.
Cost-income ratio at 86%, or 79% excluding the provision, above the medium-term target.
CET1 ratio strong at 18.1%, up from 16.4% at end-2024, with leverage ratio at 6.6%.
Total income declined by 6% to €219.6 million due to lower interest margins and higher funding costs.
Outlook and guidance
Expectation of stabilized net interest margin in H2 2025 as ECB rate declines end.
Medium-term targets: RoE 5–7%, cost-income ratio 70–75%, CET1 ratio >15%, dividend payout 50%, fee income 20–30%.
Ongoing focus on cost management and efficiency, with further structural measures to be announced.
Impact goals include €200 million in new SME lending with EIF and €500 million in Nature Based Solutions by 2030.
Committed to reducing CO2e emissions by at least 42% by 2030.
Explain Spain's strategic repositioning rationale.
Detail drivers for lower H1 commission income.
Elaborate on plans for redeploying excess CET1.
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Next Triodos Bank earnings date
H2 202526 Feb, 2026
Next Triodos Bank earnings date
H2 202526 Feb, 2026
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