Key facts

ProCredit at a glance

  • An impact-oriented group of commercial banks with a focus on MSMEs and Private Clients in South Eastern and Eastern Europe​
  • “Hausbank” for MSMEs and ProCredit Direct for Private Clients​
  • Headquartered in Frankfurt and supervised by BaFin and Bundesbank​
  • Track record of high-quality loan portfolio based on prudent risk management and focus on long-term business relationships​
  • Profitable every year since creation as a banking group

Our Mission

We strive to be the leading MSME bank in our markets following sustainable and impact-oriented banking practices. Together with our fully digital offering to private clients, we want to generate long-term sustainable returns and create positive impact in the economies and societies we work in. ​

Regional footprint

ProCredit Group

Group Key Indicators

Statement of Profit or Loss

(in EUR m) 01.01. – 30.06.2025 01.01. – 30.06.2024
Net interest income 171.3 180.6
Net fee and commission income* 47.0 44.3
Operating income 213.1 219.7
Personnel and administrative expenses 151.1 140.8
Loss allowance 0.3 5.7
Profit of the period 47.0 57.6

*Previous year figures have been adapted to the current disclosure structure.

Key Performance indicators

  01.01. – 30.06.2025 01.01. – 30.06.2024
Change in loan portfolio 4.9% 6.9%
Cost-income ratio 70.9% 64.1%
Return on equity (annualised) 9.0% 11.6%
  30.06.2025 31.12.2024
CET1 ratio (fully loaded) 13.1% 13.1%

Additional indicators

 

  30.06.2025 31.12.2024
Deposit to loan portfolio ratio 111.7% 118.3%
Net interest margin (annualised) 3.2%​ 3.5%​
Cost of Risk (annualised) 1 bp -8 bp
Share of defaulted loans 2.1%​ 2.3%​
Stage 3 loans coverage ratio 49.3% 49.9%
Green loan portfolio
(in EUR m)
1,376.1 1,354.6

 

Ratings

     
FitchRatings Long term rating (outlook) BBB (stable)
MSCI ESG Research ESG rating A
ISS ESG Corporate rating Prime