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​​.


Regional footprint

ProCredit Group

Key group figures

Key financials (in € m)

  H1 2020 H1 2021
Total assets 6,805 7,608
Loan portfolio 5,052 5,656
Shareholders equity 796 819
Net income 21.7 36.4


Key metrics


  H1 2020 H1 2021
Net interest margin 3.0% 2.8%
Cost of risk 64 bps​ 10 bps​
Cost-income ratio 66.5% 64.4%
Return on equity 5.5%​ 9.1%​
CET1 ratio (fully-loaded)​ 14.1%​ 13.7%​
Customer deposits/loans​ 88% 89%
Number of employees​ 3,148 3,159
Book value per share (€)​​ 13.5 13.9



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

read more >

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

read more >

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​

read more >

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​.

ProCredit Impact Report 2020 / PDF 9 MB