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Health and social care – Header image (photo)

Health and social care

Impact measures

In assessing the impact of health and social care, indicators of ‘quality’ are necessarily more qualitative. Whilst the organisations we finance ‘comply’ with best practice guidance, we especially look for those where the focus on quality of care is embedded into the organisational culture.

14,720 individuals (2012: 9,840) used facilities offered by care for the elderly projects at 215 care homes (2012: 150), all financed by Triodos Bank. That means financing 10.4 days of care financed for each Triodos Bank customer.

Health and social care – Impact measures (graphic)


We measure the number of elderly care homes financed and the number of individuals that live in those care homes, across Triodos Bank’s branch network.

We include 100% of the impact when we co-finance a project, except where there is a concern that this skews the results unfairly.

The ‘Impact per customer’ calculations used throughout the annual report are made on the basis of the average deposit per customer across its five branches. This is then matched with the same proportion of Triodos Bank’s total impact in a given sector. There were a total of 517,000 customers at the end of 2013.

Our vision and activities

Health and social care lending

Percentage of our loans to the health and social care sector

Health and social care – 14.5% of our loans to the health and social care sector (pie chart)

Lending by subsector

Health and social care – Lending by subsector (pie chart)
% derived from data at the time of publication

Our vision on health and social care

Triodos Bank supports providers of care services who demonstrate a human-centred approach at the heart of their organisation.

By financing values-based care providers, especially those focused on elderly and special-needs, we can help improve the quality of life for individuals in care and the overall wellbeing of a society in the midst of a transition in how we organise social care.

Quality care

We also see that by focusing on the quality of care, the organisations we finance are better equipped to attract and retain high quality people which has a positive impact for the people being cared for, and the business’ commercial viability.

Our priorities

Given the need to increase the provision of high quality human-centred social care, we focus in particular on funding the creation or development of additional care facilities.

The increasing demand for the provision of elderly care to meet the needs of an ageing society, means we focus our finance on elderly-care facilities. We also concentrate on supporting care services for people with special needs which respond to the challenges and abilities of each individual.

Our activities

The demand for health and social care services in Europe is changing reflecting demographic trends and shifting governmental policy.


Projected old-age dependency ratio

The ratio of people aged 65+ compared to people aged between 15-64 (expressed as a percentage)

Health and social care – Projected old-age dependency ratio (map)

Derived from: Eurostat

Whereas every country has its own system for funding health and care services, there is a shared need to increase the availability of high quality care provision.

Case study

De Boshoeve – How environment improvements can enhance the quality of health care

Health and social care – Case study De Boshoeve (photo)

Meaningful care and inspiration

De Boshoeve is located in the midst of a residential area in Nieuw-Vennep, the Netherlands. Their multifunctional accommodation is a housed within a very sustainable building with a day care facility for children with and without disabilities. The building also houses flexworkers, cooking clubs and a nature workshop, which is designed to provide a meaningful day care for young adults with a chronic disease, physical or mental disability. The space for the day care is bigger than standard requirements and there are more, and better trained, staff available to give children the care they need.

At the same time, De Boshoeve is a place of inspiration as a sustainable building. It generates its own energy through solar panels on the roof. All materials and building techniques take into account the health and wellbeing of the inhabitants.

Rainwater is taken in and filtered to flush the toilets. Air heat pumps are used for heating and cooling, and the ‘Cradle2Cradle’ carpet is cleaning the air by absorbing fine dust. The architect was not only part of the design process, but also works in the building as director of a network organisation that organises lectures, workshops and training on sustainable and vital architecture.

Creating opportunities through guarantees

Triodos Bank financing De Boshoeve was possible because of a guarantee by ‘NSGK’ – a charity which supports young adults with disabilities in order for them to take part in everyday life as independent as possible.

In 2011 the Triodos NSGK Guarantee fund was established. This could be used by Triodos Bank to grant credits to entrepreneurs, that wouldn’t have been possible without guarantee.

Initiatives like the Boshoeve have the potential to help transform the sector in the Netherlands. It provides a vision for entrepreneurs in the care sector where care facilities typically have to meet high demands. It is of critical importance that other financers as well as entrepreneurs start building and renovating in a sustainable way. Not just because this cannot longer be ignored in the long run, but simply because financial and social returns cannot be seen as separate, but as mutually reinforcing.

Beyond care facilities, in the broader context of the built environment, sustainable buildings that enhance the wellbeing of their users are attractive to live and work in. As a consequence, they will attain higher occupancy levels leading to a better return on investment. Investing in sustainability is not just a matter of principles, it is also financially sensible.


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