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

Hausbank
for SMEs

ProCredit Direct 
for Private Clients

Impact and development orientation

Our Mission

Be the leading “Hausbank” for SMEs in our markets of operation – with a sustainable approach.

Our Fact sheet

Fact sheet August 2021 / PDF 0.3 MB

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

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
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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
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Investments in staff developmentUnique approach to staff recruitment and development​
Continuous training in own academy​
Value-based training, with salary linked to training level​
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