Corporate news

Frankfurt am Main, ProCredit delivers solid start to the year with accelerated growth and disciplined strategy execution 

ProCredit delivers solid start to the year with accelerated growth and disciplined strategy execution

  • Loans increase 2.6% in Q1; more than 80% of growth driven by higher-yielding, lower-volume client segments
  • Operating income grows by close to 5% year-on-year as balance sheet transformation progresses
  • Strong acceleration in client number growth; client base in micro expands by 10%
  • Group result of EUR 21.7 million or 8.0% RoE; cost-income ratio at 71.2%
  • Management Board proposes dividend of EUR 0.47 per share for upcoming Annual General Meeting 

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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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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, 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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