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With consistent, balanced growth in recent years Triodos Bank has become a medium sized bank. We want to fully comply with our obligations as a bank of this size to meet our ongoing responsibilities. Making sure we do that thoroughly will require extra effort and resources in 2014 at the same time as we further strengthen our risk management and internal governance. We expect to make considerable progress on this during the year.

Excluding unforeseen circumstances, Triodos Bank expects to continue to increase its operational profits in 2014. Triodos Bank’s results will be materially affected by a special tax levied by the Dutch government as a contribution to the rescue of the Dutch SNS Bank. At the same time we recognise that the economic downturn that has resulted from the financial crisis, and a slow recovery in some countries, will continue in 2014 and may have a negative impact on Triodos Bank’s results. Despite these external factors, Triodos Bank expects to maintain its net profit level in 2014.

We will continue to actively contribute to a more sustainable society in 2014. We will respond to the social, environmental and cultural challenges we face over the short, medium and long-term and extend the idea of a more conscious use of money in society through the banking system.

In support of these goals we will continue to influence through public debate and as a practitioner; a change agent financing sustainable enterprises delivering lasting benefits for people and the environment.