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)

  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



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

Impact orientation

Impact through business

  • Supporting SMEs through the cycle
  • No focus on consumer lending
  • ESG assessment central to client selection and lending
  • Promoting transparency
  • Commitment to SDGs and signatory to UNEP FI & PCAF

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Environmental responsibility​

  • Green loan portfolio > €1.1bn, avg. growth 26% p.a.
  • Strict lending standards and exclusion list
  • Internal measures for greener planet, including
    – plastic strategy
    – energy efficient buildings

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Comprehensive staff development

  • High diversity. Gender parity
  • Unique approach to staff recruitment and development
  • Continuous value-based training in own academy
  • Fair, transparent salary linked to training level; no variable components

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Sustainable business model

  • Long-term client relationships
  • Steady organic business growth
  • Majority longer-term investment loans (> 3 years)
  • NPLs and write-offs significantly below the banking sectors of operation
  • Profitable every year since creation as a banking group

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