“Hausbank” for micro, small and medium-sized businesses

Providing sound financial advice and business analysis to micro, small and medium enterprises (MSMEs) – especially those engaged in agriculture, small-scale manufacturing, services and industrial production – requires specialised expertise and a thorough understanding of the business models in such companies. This is precisely why most commercial banks do not treat them as a priority client group. We, however, have defined MSMEs as a central client group, offering financial services especially to companies engaged in production.

Our “Hausbank” approach focuses on our aim to establish long-term business relationships with our clients, offering them the full range of financial services paired with in-depth advice. This expertise is provided by our well-trained Business Client Advisers (BCAs), who are not driven by a system of bonuses but instead base their efforts on ensuring that the companies they serve receive continuous support over the long term.By the same token, we expect our clients to treat us as their “Hausbank”, meaning that they should conduct all of their transactions through ProCredit and also deposit their liquidity with us. Our aim is to build long-term business relationships between bank and client. Instead of being motivated by bonuses or short-term sales success, our BCAs consider the success of our clients in the long term, which bolsters our responsible approach to banking and helps to build trust.

We offer our clients account services such as e-banking, cards, domestic and international payments and efficient transactions; advice on liquidity management, documentary business and trade finance; and savings and personal banking services for their family unit.

Located at the entrances of all our Service Points and Branches, our 24/7 self-service areas offer clients the possibility to make withdrawals, deposit cash (even larger amounts using a drop box), and carry out various transactions such as transfers, account information retrieval, etc. These areas complement our digital banking services.

We follow very strict know-your-customer (KYC) principles and anti-money laundering (AML) rules. We are supervised at a consolidated level by the German financial regulators and we comply with the risk management requirements in our countries of operation. We take this very seriously. Our Impact Report shows that loan default rates at the majority of the ProCredit banks were below the banking sector averages in the respective countries.