Business results and expectations

The ProCredit group operates on a commercial and profitable basis and we see high growth potential in our markets of operation. Our performance in the past shows that our business model is stable, even in volatile macroeconomic times and markets.

The ProCredit group enjoys a simple balance sheet: our assets and liabilities largely consist of business loans and customer deposits, respectively. Our main source of income is the interest we charge on the loan portfolio. Interest rates are set transparently and are competitive in the markets where we operate.

In recent years we have placed special emphasis on the quality and efficiency of the services we provide. The goal of these measures was to further develop our range of services and to support additional business growth.

At the same time, we have maintained a strong focus on improving and further developing loan portfolio quality. Our KYC processes and long-term customer relationships are key elements of our business model. We therefore attach great importance to the training and qualifications of our staff – whether or not they have direct contact with our customers – and our managers.

Sustainability is an important element of our corporate strategy. The ProCredit group has in place a comprehensive environmental management system (EMS), which includes the analysis of the environmental impact of our activities as well as those of our customers. We also finance investments in energy efficiency, renewable energy, and environmental protection. Lending decisions are governed by defined group policies and exclusion criteria, which prohibit certain business activities from being financed. The group Code of Conduct is binding for all employees and emphasises the obligation of staff to demonstrate mutual respect in their everyday interactions.