Key facts
ProCredit at a glance
- An impact-oriented group of commercial banks with a focus on SMEs in Eastern and South Eastern Europe
- “Hausbank” for SMEs 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
Be the leading “Hausbank” for SMEs in our markets of operation – with a sustainable approach.
Our Fact sheet
Regional footprint
Key group figures
Key financials (in € m)
| Sep-20 | Sep-21 | |
| Total assets | 7,147 | 7,885 |
| Loan portfolio | 5,205 | 5,803 |
| Shareholders equity | 785 | 856 |
| Net income | 33.4 | 62.0 |
Key metrics
| Sep-20 | Sep-21 | |
| Net interest margin | 2.9% | 2.8% |
| Cost of risk | 56 bps | 8 bps |
| Cost-income ratio | 66.5% | 62.4% |
| Return on equity | 5.6% | 10.1% |
| CET1 ratio (fully-loaded) | 14.1% | 13.8% |
| Customer deposits/loans | 91% | 91% |
| Number of employees | 3,246 | 3,153 |
| Book value per share (€) | 13.3 | 14.5 |
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | AA |
| ISS ESG | Corporate rating | Prime |
Impact orientation
Responsible banking
- No focus on consumer lending, no complex products, 93% of loan portfolio to SMEs
- Promotion of price and banking sector transparency
- Commitment to SDGs and signatory to UNEP FI
Environmental responsibility
- Focus on promotion of “green” investments, 24% growth of green LP in 2020
- Strict exclusion lists
- Increasing number of office buildings with Edge Certification
Investments in staff development
- Unique approach to staff recruitment and development
- Continuous training in own academy
- Value-based training, with salary linked to training level
Sustainable development goals
Our impact approach is linked to 8 of the UN’s 17 Sustainable Development Goals (SDGs).
Our Impact Report 2020 summarises the group’s achievements in this respect.
