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
Group Key Indicators
Statement of Profit or Loss
| (in EUR m) | 01.01. – 31.03.2026 | 01.01. – 31.03.2025 |
| Net interest income | 92.3 | 85.0 |
| Net fee and commission income | 21.6 | 22.6 |
| Operating income | 110.5 | 105.6 |
| Personnel and administrative expenses | 78.7 | 74.7 |
| Loss allowance | 2.7 | -0.8 |
| Profit of the period | 21.7 | 25.2 |
Key Performance indicators
| 01.01. – 31.03.2026 | 01.01. – 31.03.2025 | |
| Change in loan portfolio | 2.6% | 2.5% |
| Cost-income ratio | 71.2% | 70.8% |
| Return on equity (annualised) | 8.0% | 9.5% |
| 31.03.2026 | 31.12.2025 | |
| CET1 ratio (fully loaded) | 12.9% | 13.1% |
Additional indicators
| 31.03.2026 | 31.03.2025 | |
| Loan portfolio to deposits ratio | 87.1% | 84.9% |
| Net interest margin | 3.2% | 3.2% |
| Cost of Risk | 14 bp | 15 bp |
| Share of defaulted loans | 3.0% | 3.0% |
| Stage 3 loans coverage ratio | 44.2% | 44.5% |
| Green loan portfolio (in EUR m) |
1,397.4 | 1,419.6 |
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| CDP Rating | Climate rating score | B |