Frankfurt am Main, 9-month result 2025: ProCredit delivers strong and granular business growth; quarterly result impacted by one-time increase in loss allowance

  • Strong 10.2% loan growth (adjusted for foreign exchange effects); around 80% of this increase driven by granular, lower-volume client segments
  • Group result of EUR 58.2 million for 9M 2025 or 7.4% return on equity
  • Positive quarter-on-quarter operating income trend supported by net interest margin improvement
  • Loss allowance of EUR 16.6 million in Q3 relating largely to one-off reassessment of sub-portfolio in project finance
  • Updated FY 2025 guidance for return on equity of 7-8% and cost-income ratio of around 72%

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Frankfurt am Main, ProCredit in conversation – banking between returns, responsibility, and impact

Hubert Spechtenhauser, CEO of ProCredit Holding AG, recently made an appearance on the “MEHRWERT – Der GS&P Podcast”. In a conversation with GS&P portfolio manager Christoph Schlienkamp, he spoke about ProCredit’s business model, the geopolitical risks in the group’s target markets of South Eastern and Eastern Europe, and sustainability, a core element of the company’s strategy. Here is an excerpt from their conversation: (more…)

Frankfurt am Main, H1 2025: ProCredit firmly in execution phase of its growth and transformation strategy whilst delivering good financial results

  • Strong and well diversified loan growth of EUR 504 million or 7.2% across all client segments, adjusted for foreign exchange effects
  • Group result of EUR 47.0 million corresponds to return on equity of 9.0%
  • Cost-income ratio at 70.9%; cost increases due to strategic investments in growth catalysts largely absorbed
  • Low cost of risk at 1 basis point, reflecting strong portfolio quality amid challenging global macroeconomic environment
  • Common Equity Tier 1 (CET1) capital ratio on comfortable level of 13.1%
  • Management confirms 2025 outlook for loan growth, return on equity and CET1 capital ratio; cost-income ratio expected at around 70%

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Frankfurt am Main, German Federal Financial Supervisory Authority (BaFin) publishes increased own funds requirements for ProCredit Holding AG

  • Announcement by BaFin published today
  • Increased capital requirements by 0.75 percentage points as disclosed by ProCredit Holding on 6 March 2025

With today’s publication, the German Federal Financial Supervisory Authority (BaFin) disclosed increased capital requirements for ProCredit Holding, which were a result of a review of the group’s credit processes. The Company’s capital requirements were increased by 0.75 percentage points, in line with the announcement by ProCredit Holding on 6 March 2025.

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Frankfurt am Main, Impact Report 2024: ProCredit group continues to pursue responsible approach to growth

  • Impact Report package for last business year published today
  • Progress in net zero strategy: validation of short-term decarbonisation targets by Science Based Targets initiative (SBTi) following the Group Climate Transition Plan
  • CO2 Calculator launched to support micro, small and medium-sized enterprises (MSMEs) clients in measuring their carbon emissions and setting decarbonisation targets
  • Green Tier 2 bond with placement volume of EUR 125 million successfully issued in 2024
  • First Diversity, Equity and Inclusion Strategy implemented

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Frankfurt am Main, ProCredit in Q1 advances on its growth and transformation strategy with good financial result

  • Loan growth of EUR 174 million or 2.5%; good growth in all client segments and across South Eastern and Eastern Europe
  • Group result of EUR 25.2 million corresponds to RoE of 9.5%
  • Cost-income ratio at 70.8%; strategic investments in growth catalysts begin to level out
  • Management Board proposes to AGM a dividend of EUR 0.59 per share for FY 2024
  • ProCredit Holding promoted to German small cap index SDAX

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