Group-wide philosophy and policies
Central to the ProCredit group’s business model is a deeply thought-through approach to our human resources. In cooperation with all of the ProCredit banks, group-wide standards have been established for the entire range of HR-related activities, from recruitment to training to remuneration. Ethical banking can only be successful if we have employees who identify with our values and goals, and actively pursue them. Our values are based on the principles set forth in the UN’s Universal Declaration of Human Rights. To formalise the ProCredit group’s commitment to observing and respecting these principles, our Management Board signed the ProCredit Group Statement on Human Rights. The statement complements our Code of Conduct, which explicitly documents our values and the resulting principles that govern our behaviour in the ProCredit group. Therefore, we have set strict standards for staff selection and training based on a strong sense of mutual respect and personal responsibility and long-term commitment to the institution.
Our mission statement sets the operational framework for all banks in the ProCredit group.
Our mission statement
ProCredit Bank is a development-oriented commercial bank. We offer excellent customer service to small and medium enterprises and to private individuals who have the capacity to save and who prefer to do their banking through electronic channels. In our operations, we adhere to a number of core principles: We value transparency in our communication with our customers, we do not promote consumer lending, we strive to minimise our ecological footprint, and we provide services which are based both on an understanding of each client’s situation and on sound financial analysis.
We focus on small and medium-sized enterprises, as we are convinced that these businesses create jobs and make a vital contribution to the economies in which they operate. By offering simple and accessible deposit facilities and online banking services and by investing in financial education, we aim to promote a culture of saving and financial responsibility among business clients as well as private individuals.
Our shareholders expect a sustainable return on investment over the long term, rather than being focused on short-term profit maximisation. We invest extensively in the training and development of our staff in order to create an open and efficient working atmosphere and to provide friendly and competent service for our clients.