Key facts
ProCredit at a glance
- An impact-oriented group of commercial banks with a focus on SMEs in South Eastern and 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
We strive to be the leading SME bank in our markets following sustainable and impact-oriented banking practices. In doing so, we want to generate long-term sustainable returns and create positive impact in the economies and societies we work in.
Our Fact Sheet
Regional footprint
Key group figures
Key financials (in € m)
| Sep-21 | Sep-22 | |
| Total assets | 7,885 | 8,672 |
| Loan portfolio | 5,803 | 6,292 |
| Shareholders equity | 856 | 887 |
| Net income | 62.0 | 17.3 |
| Net income (excl. Ukraine) | 44.8 | 60.2 |
Key metrics
| Sep-21 | Sep-22 | |
| Net interest margin | 2.8% | 3.0% |
| Cost of risk | 8 bps | 173 bps(1) |
| Cost-income ratio | 62.4% | 60.7% |
| Return on equity | 10.1% | 2.7%(1) |
| Return on equity (excl. Ukraine) | 7.3% |
9.0% |
| CET1 ratio (fully-loaded) | 13.8% | 13.6% |
| Customer deposits/loans | 91% | 95.1% |
| Number of employees | 3,153 | 3,343 |
| Book value per share (€) | 14.5 | 15.1 |
(1) results negatively impacted by significant loan loss provisions of € 73.1m for the group’s operations in Ukraine
Ratings
| 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
Environmental responsibility
- Green loan portfolio > €1.2bn, avg. growth 18% p.a. since 2017
- Strict lending standards and exclusion list
- Internal measures for greener planet, including
– plastic strategy
– energy efficient buildings
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
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 9 of the UN’s 17 Sustainable Development Goals (SDGs).
Our Impact Report 2021 summarises the group’s achievements in this respect.
