Netherlands · Delayed Price · Currency is EUR Triodos Bank Earnings Call Transcripts
Fiscal Year 2026
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Profitability returned in H1 2026 with net profit of EUR 29.9 million, improved cost-income and capital ratios, and strong growth in sustainable lending and mortgages. Transformation and efficiency programs are on track, supporting positive outlook and robust dividend policy.
Fiscal Year 2025
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Loan growth and customer deposits increased, but a €60 million provision for German fiber optic loans and other one-offs led to a net loss and negative ROE. Strategic restructuring, digitalization, and cost reduction initiatives are underway, with improved capital ratios and reduced litigation risk.
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Net profit for H1 2025 was €17 million, or €27.4 million excluding a €40 million provision, with a strong CET1 ratio of 18.1%. Customer deposits and mortgage portfolios grew, while cost-income ratio remains above target due to one-off expenses and interest margin pressure.