As part of the lending process, potential borrowers are assessed according to their environmental, social, and cultural impact, to make sure they reflect the values at the heart of Triodos Bank. In the case of investment funds, Triodos Bank conducts its own sustainability analysis. These form one of the criteria for inclusion in the investment portfolio. Criteria for exclusion include threats to biodiversity, violations of environmental legislation and nuclear energy.
Triodos Bank reflects its values in its products. During the year, for instance, its Spanish branch launched an innovative debit card, made with 100% biodegradable materials.