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)

  FY 2020 Q1 2021
Total assets(1) 7,329 7,492
Loan portfolio(1) 5,254 5,412
Shareholders equity 780 804
Net income(1) 41.4 15.6

(1) Annualised

Key metrics


  FY 2020 Q1 2021
Net interest margin(1) 2.9% 2.7%
Cost of risk(1) 57 bps​ 27 bps​
Cost-income ratio 68.0% 64.8%
Return on equity(1)​ 5.3%​ 7.9%​
CET1 ratio (fully-loaded)​ 13.3%​ 13.2%​
Customer deposits/loans​ 93% 93%
Number of employees​ 3,261​ 3,203
Book value per share (€)​​ 13.2 13.7

(1) Annualised


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

read more >

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

read more >

Investments in staff development

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

read more >

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