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 SME 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

Key performance indicators

  Mar-23 Mar-24
Change in customer loan portfolio -0.8% 3.0%
Cost-income ratio 59.7% 61.7%
Return on equity (annualised) 13.3% 13.4%
Common Equity Tier 1 capital ratio 14.1% 14.3%


Additional indicators


  Mar-23 Mar-24
Net interest margin (annualised) 3.4% 3.7%
Cost of Risk (annualised)​ 12 bps 2 bps
Customer deposits to customer loan portfolio​ 104.3% 116.2%
Share of credit-impaired loans 3.2%​ 2.6%
Ratio of allowances to credit-impaired loans 108.6%​ 118.0%​
Stage 3 loans coverage ratio 62.3% 57.8%
Green customer loan portfolio (EUR m) 1,223.8 1,281.2

*Figures have been adjusted according to the most recent scope of continuing operations


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