Key facts
ProCredit at a glance
- An impact-oriented group of commercial banks with a focus on MSMEs and Private Clients in South Eastern and Eastern Europe
- “Hausbank” for MSMEs and ProCredit Direct for Private Clients
- Headquartered in Frankfurt and supervised by BaFin and Bundesbank
- Track record of high-quality loan portfolio based on prudent risk management and focus on long-term business relationships
- Profitable every year since creation as a banking group
Our Mission
We strive to be the leading SME bank in our markets following sustainable and impact-oriented banking practices. Together with our fully digital offering to private clients, we want to generate long-term sustainable returns and create positive impact in the economies and societies we work in.
Regional footprint
Key group figures
Key financials (in EUR million)
FY 2022 | FY 2023 | |
Total assets | 8,826 | 9,749 |
Loan portfolio | 6,108 | 6,226 |
Shareholders’ equity | 869 | 984 |
Profit of the period | 16.5(1) | 113.4 |
Key metrics
FY 2022 | FY2023 | |
Net interest margin | 3.1% | 3.6% |
Cost of risk | 174 bps (1) | 25 bps |
Cost-income ratio | 64.0% | 59.9% |
Return on equity | 1.9%(1) | 12.2% |
CET1 ratio (fully-loaded) | 13.5% | 14.3% |
Deposit-to-loan portfolio | 103.0% | 116.5% |
Number of employees | 3,437 | 3,834 |
Book value per share (EUR) | 14.8 | 16.7 |
(1) negatively impacted by significant loan loss provisions in Ukraine
Ratings
FitchRatings | Long term rating (outlook) | BBB (stable) |
MSCI ESG Research | ESG rating | A |
ISS ESG | Corporate rating | Prime |