Triodos Bank is a true values-driven bank. The mission of the bank is to make money work for positive social, environmental and cultural change. Banking for a better world.

2. Welcome to Sustainable Banking
Brussels, March 20, 2012

3. Table of contents
1. Marketing 3.0. a glance
2. Triodos Bank at a glance
3. Our deposit clients
4. Marketing Communication
5. What about Kotler?
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4. Marketing 3.0. Philip Kotler
 model of the future
Building the
New definition of Marketing:
brand = key
Brand – Positioning – Differenciation
Brand-Identity – Brand Integrity – Brand-Image:
• Brand-Identity : postioning the brand in the head of the client=> ratio
 Positionering : unique to be seen and heard in an overfull market
 Positionering : relevant to adress rational needs and desires of clients
• Brand Integrity : fullfill the positioning, the promise
• – create credibility and trust through authenticity and differenciation ;
talks to the soul
• Brand-Image: : create a strong emotion; must adress the , the hart
=> to lead to action and buy-decision
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5. Triodos Bank at a glance
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6. Sustainable banking
The basics of banking
Investment Funds
Savers SRI Funds
Private Banking
Savings
5 Branches :
NL – BE – UK – ES – GE
355.000 clients (+ 24%)
Total balance : 4.3 billion (+21%)
Net profit : 17 million (+ 51%)
credits
AUM : 6.8 billion (+21%) -
Finance to 96 microfinance
institutions in 43 countries
Social Ecological Cultural Global Alliance
for Banking on Values
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7. Buildings blocks
1980 1993 1994 2004 2009
Opening Triodos Opening Triodos Opening Opening Triodos Opening Triodos
Netherlands Belgium Triodos UK Spain Germany
1994 2004 2006 2009
Fondation Triodos-Doen Sustainable Triodos Triodos
Fondation Hivos-Triodos Real Estate Fund Culture Fund Microfinance Fund
(Microfinance)
1990 2000 2007
First Green fund Triodos Meerwaarden Triodos Sicav I , Lux,
in Europe Fondsen, NL (Sustainable Equity, Bond,
(Equity, Bond, Mixed) Mid&Small caps, Mix Fund)
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8. Mission
- To help to create a society that protects and promotes the
quality of life of all its members
- To enable individuals, organisations and businesses to use
their money in ways that benefit people and the
environment, and promote sustainable development
- To provide our clients with innovative financial products
and high quality service
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9. Triodos Bank in Belgium
50.000 clients, 90 employees, 1 billion deposits
Retail Banking: savings accounts, fixed term deposits,
electronic banking
Business Banking: current account, savings accounts, fixed
term deposits, electronic banking
Private Banking: sustainable portfolio management in
cooperation with Puilaetco Dewaay Private Bankers
Credit and Project Finance: environmental, cultural and social
projects.
Investment Funds: Equity, Bond, Mid & Small Cap Equity
investments with rigourous sustainability criteria and engaged dialog
with companies worldwide. Microfinance and renewable energy
funds.
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10. }The Triodos
way of banking
> Sustainabality
> Stability
> Long Term Vision
> Transparancy
> Human scale
> Profitability

11. Loans to deposits
Billion euro Loans Deposits Conversion ratio
4,0 90%
85%
3,5
80%
77%
3,0
75%
2,5 71% 70%
2,0 64% 65%
60%
1,5 61%
63% 55%
1,0
50%
0,5 45%
0,0 40%
2007 2008 2009 2010 2011
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12. Oriented long term
• Tension of maximam 1 to 10
between lowest and highest
salary
• No variable salary: no
bonusses, no stock options
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13. Transparancy
Breng uw spaargeld in kaart
/ Suivez votre épargne à la
trace
Savers know where their
money is used for
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14. About Triodos Bank Annex
Example of projects
The Saint Patrick windfarm, in the
North of France, counts 15 turbines with a total
power of 35 MW.
One of the largest onshore wind energy projects
financed by Triodos Bank Belgium.
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15. About Triodos Bank Annex
Example of projects
Ultima Vez vzw, Brussels, is a dance
company established in 1986 by Wim Vandekeybus.
It houses the various dance, film and producer
activities. Ultima Vez is an internationally respected
mature artistic organisation. Its’ primary activity is the
creation of dance performances while
it also engages in educational projects
towards various target groups, i.e. youngsters,
amateurs, professionals.
Triodos Bank financed the sustainable refurbishment
of a building to house the company’s activities.
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16. About Triodos Bank Annex
Example of projects
RoomeR bvba, Gent, is a small brewery
established by the brothers Maarten en Jeroen
drink
Michels. It is a craft business producing a
based on local elderflowers
produce. Sustainability scores high not only with
regards to raw materials, the social impact of the
enterprise is also a central theme.
Triodos Bank financed the completion of the factory
building, production line automation and logistics
facilities.
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17. About Triodos Bank
Example of projects
Autre Chose, a shop in Rixensart, offers a
large choice of organic and natural
products: general food products , health and
beauty products, cleaning products. Each year “Autre
Chose” grows its client base by 10%.
Triodos Bank financed the shop extension and
foodware cooling system.
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18. Our deposit
clients
http://www.triodos.be/fr/particuliers/soyez-fier-de-votre-epargne
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19. Cultural Creatives
+40 years
Average to highly educated
Average to high income (top salaries not included because less affinity, it shows)
Men and women (50/50)
Interest in leisure and culture
Friends are important
Likes to travel, to visit cafés and restaurants
Buys bio, fairtrade en eco products
Attentive to equal rights, diversity, environment
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20. High educated on average
(diploma of main responsible for the income)
Secundary 16%
Bachelor 22%
Master 37%
Master +extra, 26%
Doctor
= very high in general
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21. Marketing
Communication
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22. How clients get to know us
advertisement in a paper/mag 14%
internet advertisement 1%
press article 21%
exhibition or event 9%
via family 12%
via agent of the bank 2%
via neigbours, colleges, friends, … 27%
via a non-profit organisation 31%
via my profession 6%
another way 6%
don't know it anymore 12%
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23. Three pillars
TRUST (ratio)
rationele pijler
ENGAGEMENT
(soul)
sociale pijler
PRIDE (emotion)
emotionele pijler

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25. What about
Kotler ?
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