ProCredit group ends 2025 with strong loan growth and digital retail banking transformation in full momentum; financial results reflect strategic transition

  • Strong loan growth of 13.1% (adjusted for foreign exchange effects), of which around 80% was driven by higher-yielding, lower-volume client segments
  • Group result of EUR 83.5 million, corresponding to 7.8% return on equity (RoE) in line with updated FY 2025 guidance
  • Strategy execution advancing at strong pace, with key digital banking initiatives rolled out in 2025 and further launches scheduled for 2026
  • 2026 outlook broadly in line with 2025 results
  • Medium-term outlook confirmed, with RoE of around 13-14%
  • Management intends to propose dividend of EUR 0.47 per share for FY 2025 to the Annual General Meeting on 3 June 2026

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Frankfurt am Main, Eriola Bibolli to become Chair of the Management Board of ProCredit Holding AG

  • Eriola Bibolli will take office as planned on 1 March.
  • The current Chair, Hubert Spechtenhauser, is retiring.

Eriola Bibolli (51), Member of the Management Board of ProCredit Holding AG, will take over as Chair of the Management Board from Hubert Spechtenhauser (63) on 1 March 2026 as planned. Mr Spechtenhauser will retire at the end of February 2026. He has held the position of Chair of the Management Board of ProCredit Holding since 1 November 2022.

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Washington, MIGA Expands Support for Bank Lending in Ukraine

Today MIGA published the following press release:

MIGA extended and increased its coverage of reserves held at Ukraine’s central bank, which will generate up to €396 million of additional lending in the war-torn nation

WASHINGTON, Feb. 05, 2026—The Multilateral Investment Guarantee Agency (MIGA), home of the World Bank Group Guarantee Platform, has extended and increased guarantees to free up capital linked to two banks’ mandatory reserves, enabling them to expand their operations in Ukraine and maintain continuity amid the ongoing war.
The guarantees cover reserves held at the Central Bank of Ukraine against the risk of expropriation. The first guarantee, to ProCredit Bank Ukraine, a part of ProCredit group based in Germany, increases MIGA’s coverage of the reserves from €41 million to €80 million and extends a prior guarantee for one year and one day.

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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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