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. 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

Key group figures

Key financials (in EUR million)

  FY 2021 FY 2022
Total assets 8,216 8,826
Gross loan portfolio 5,924 6,108
Shareholders’ equity 856 869
Profit of the period 79.6 16.5
Profit of the period (excl. Ukraine) 55.9 68.3


Key metrics


  FY 2021 FY 2022
Net interest margin 2.9% 3.1%
Cost of risk 12 bps​ 174 bps(1)​
Cost-income ratio 64.2% 64.0%
Return on equity 9.7%​ 1.9%​(1)
Return on equity (excl. Ukraine) 6.9%
CET1 ratio (fully-loaded)​ 14.1%​ 13.5%​
Deposits to loan portfolio​ 93.5% 103.0%
Number of employees​ 3,178 3,437
Book value per share (EUR)​​ 14.5 15.1

(1) results negatively impacted by significant loan loss provisions of EUR 86.7 million for the group’s operations in Ukraine


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, United Nations Global Compact (UNGC), Net-Zero Banking Alliance (NZBA), committed to disclose according to SBTi Net-Zero Standard

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Environmental responsibility​

  • Green loan portfolio > EUR 1.2 billion, CAGR 13% since 2018
  • 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 9 of the UN’s 17 Sustainable Development Goals (SDGs).​

Our Impact Report 2022 summarises the group’s achievements in this respect​.

ProCredit Impact Report Package 2022