Credo Bank is a multilateral financial institution whose owner is a consortium of social impact investors. The consortium members are:

Access Microfinance Holding AG
ResponsAbility Investments AG
Triodos Investment Management BV

AccessHolding was established in 2006 by a group of reputable international investors from the public and private sectors.

It operates a network of nine banks and MFIs, including in Azerbaijan and Tajikistan.

AccessBanks focus on the target group of micro, small and medium-sized enterprises. In total, the AccessBank network employs more than 7,000 staff and manages a loan portfolio exceeding USD 1.4 billion and customer deposits of around USD 0.6 billion.

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responsAbility Investments AG is one of the world’s leading independent asset managers specializing in development-related sectors of emerging economies. They comprise the areas of finance, agriculture, energy, healthcare and education. responsAbility provides debt and equity financing to non-listed companies with business models that target the lower-income section of the population and can thus drive economic growth and social progress. responsAbility offers professionally-managed investment solutions to both institutional and private investors.


Founded in 2003, responsAbility currently has USD 2.2 billion of assets under management, which is invested in 500 companies in 90 countries. responsAbility is headquartered in Zurich and has local offices in Paris, Lima, Mumbai and Nairobi. Its shareholders include a broad range of reputable institutions in the Swiss financial market as well as its own employees. responsAbility is registered with the Swiss Financial Market Supervisory Authority FINMA. Further information is available at

Triodos Investment Management

Triodos Investment Management is a wholly owned subsidiary of Triodos Bank, one of the world’s leading sustainable banks. Triodos Investment Management is a globally recognised leader in impact investing, managing investment funds in different sustainability themes ranging from renewable energy to sustainable real estate and inclusive finance in emerging markets, with combined assets of EUR 2.5 billion at year-end 2013.

Since 1994, its assets under management in inclusive finance have increased to over EUR 550 million, making it one of the leading investors in the industry.

Through specialised funds Triodos Investment Management provides finance – both debt and equity - to 112 upcoming and well-established financial institutions in 44 countries. They hold equity stakes in 22 financial institutions; senior staff of Triodos Bank join the Board of Directors and actively contribute to the governance of these institutions.