Triodos Bank N.V. financials
Triodos Bank N.V.
Country: NL Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
724500PMK2A2M1SQQ228 Financial statements
(EUR, as reported — unscaled; 109 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €110.2M | €121.8M |
| Operating expenses | €374.2M | €451.2M |
| Employee benefits expense | €222.6M | €198.7M |
| Profit before tax | -€3.3M | €206.0K |
| Income tax expense | €21.7M | €3.2M |
| Profit for the year | -€25.0M | -€3.0M |
| — attributable to owners | -€25.0M | -€3.0M |
| Total comprehensive income | -€32.9M | €4.4M |
| Per share | ||
| Basic EPS | €-1.77 | €-0.21 |
| Diluted EPS | €-1.77 | €-0.21 |
| Free cash flow / share | €15.24 | €10.27 |
| Cash flow statement | ||
| Cash generated from operations | -€29.9M | €61.9M |
| Net cash from operating activities | €216.9M | €150.1M |
| Income taxes paid | €16.6M | €33.3M |
| Net cash from investing activities | -€862.7M | -€591.9M |
| Purchase of PP&E (capex) | €1.2M | €3.5M |
| Purchase of intangibles | €18.0M | €15.0M |
| Net cash from financing activities | €280.3M | €286.3M |
| Dividends paid | €8.5M | €58.3M |
| Lease liability payments | €10.1M | €2.6M |
| Net change in cash | -€365.6M | -€155.4M |
| Balance sheet | ||
| Total assets | €17.57B | €16.97B |
| Property, plant & equipment | €71.6M | €77.3M |
| Right-of-use assets | €15.8M | €16.0M |
| Total equity | €1.19B | €1.23B |
| Deferred tax liabilities | €8.1M | €3.8M |
| Derived metrics | ||
| Free cash flow | €215.7M | €146.6M |
| Return on equity | -2.1% | -0.2% |
| Cash conversion ratio | -8.66× | -50.09× |
| Capex coverage | 178.06× | 42.75× |
| Other reported items | ||
| Adjustments For Amortisation Expense | €15.3M | €17.7M |
| Adjustments For Decrease Increase In Financial Assets Measured At Amortised Cost | -€844.2M | -€594.1M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | €14.2M | -€11.2M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€258.7M | -€292.3M |
| Adjustments For Depreciation Expense | €9.8M | €10.1M |
| Adjustments For Impairment Losses Reversal of Impairment Losses Recognised In Profit Or Loss Financial Assets | €71.5M | €11.6M |
| Adjustments For Income Tax Expense | €21.7M | €3.2M |
| Adjustments For Increase Decrease In Deposits From Banks | -€116.9M | -€296.9M |
| Adjustments For Increase Decrease In Deposits From Customers | €597.3M | €718.9M |
| Adjustments For Provisions | -€95.0M | €103.2M |
| Adjustments For Unrealised Foreign Exchange Losses Gains | €26.1M | -€21.9M |
| Cash and Bank Balances At Central Banks | €1.61B | €1.86B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €1.77B | €2.14B |
| Comprehensive Income Attributable To Owners of Parent | -€32.9M | €4.4M |
| Current Tax Assets | €17.9M | €18.8M |
| Current Tax Liabilities | €16.2M | €12.6M |
| Debt Securities | €657.0M | €358.4M |
| Deferred Tax Assets | €7.0M | €10.2M |
| Deposits From Banks | €256.2M | €373.1M |
| Deposits From Customers | €15.08B | €14.48B |
| Derivative Financial Assets Held For Hedging | €239.9M | €180.0M |
| Derivative Financial Liabilities Held For Hedging | €11.5M | €48.0M |
| Dividends Received Classified As Operating Activities | €870.0K | €774.0K |
| Dividends Recognised As Distributions To Owners of Parent Relating To Prior Years | €0 | €40.3M |
| Dividends Recognised As Distributions To Owners Per Share | €0.60 | €1.27 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €37.0K | €277.0K |
| Equity and Liabilities | €17.57B | €16.97B |
| Expense By Nature | €445.7M | €462.9M |
| Fee and Commission Expense | €12.1M | €13.3M |
| Fee and Commission Income | €121.4M | €128.7M |
| Fee and Commission Income Expense | €109.4M | €115.4M |
| Financial Assets At Amortised Cost | €3.68B | €2.84B |
| Gains Losses On Change In Fair Value of Derivatives | €609.0K | -€2.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €71.5M | €11.6M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €272.0K | €523.0K |
| Intangible Assets Other Than Goodwill | €48.2M | €45.6M |
| Interest Paid Classified As Operating Activities | €183.3M | €286.8M |
| Interest Received Classified As Operating Activities | €523.5M | €566.7M |
| Interest Revenue Calculated Using Effective Interest Method | €536.7M | €574.1M |
| Interest Revenue Expense | €331.1M | €347.7M |
| Investment Income | €870.0K | €774.0K |
| Investment Property | €4.8M | €4.9M |
| Issued Capital | €14.5M | €723.4M |
| Lease Liabilities | €10.0M | €16.2M |
| Liabilities | €16.38B | €15.73B |
| Loans and Advances To Banks | €277.6M | €414.8M |
| Loans and Advances To Customers | €11.49B | €11.40B |
| Miscellaneous Other Operating Income | €417.0K | €1.2M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €4.7M | €4.0M |
| Other Assets | €66.8M | €69.1M |
| Other Comprehensive Income | -€7.8M | €7.4M |
| Other Comprehensive Income Before Tax Change In Value of Foreign Currency Basis Spreads | €613.0K | -€226.0K |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€9.3M | €5.6M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | -€82.0K | €2.2M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €1.2M | €331.0K |
| Other Comprehensive Income Net of Tax Change In Value of Foreign Currency Basis Spreads | €613.0K | -€226.0K |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€9.3M | €5.6M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€48.0K | €1.8M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €880.0K | €245.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€8.7M | €5.4M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €832.0K | €2.0M |
| Other Inflows Outflows of Cash Classified As Operating Activities | €10.9M | -€30.2M |
| Other Liabilities | €61.7M | €61.9M |
| Other Operating Income Expense | €1.0M | -€824.0K |
| Other Reserves | €47.0M | €44.4M |
| Payments To Acquire Or Redeem Entitys Shares | €0 | €1.8M |
| Proceeds From Issue of Bonds Notes and Debentures | €298.8M | €349.0M |
| Proceeds From Sale Or Issue of Treasury Shares | €83.0K | €0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €37.0K | €138.0K |
| Provisions | €26.6M | €121.6M |
| Reserve of Change In Value of Foreign Currency Basis Spreads | €877.0K | €264.0K |
| Reserve of Exchange Differences On Translation | -€8.3M | €945.0K |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€3.7M | -€3.6M |
| Retained Earnings Excluding Profit Loss For Reporting Period | €265.1M | €287.7M |
| Retained Earnings Profit Loss For Reporting Period | -€33.6M | -€21.0M |
| Revenue and Operating Income | €442.4M | €463.1M |
| Share Premium | €909.7M | €200.8M |
| Subordinated Liabilities | €254.6M | €261.2M |
| Weighted Average Shares | 14.2M | 14.2M |
Methodology
Every line item above is a fact tagged in Triodos Bank N.V.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.