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

Key group figures

Key financials (in EUR million)

  FY 2022 FY 2023
Total assets 8,826 9,749
Loan portfolio 6,108 6,226
Shareholders’ equity 869 984
Profit of the period 16.5(1) 113.4


Key metrics


  FY 2022 FY2023
Net interest margin 3.1% 3.6%
Cost of risk 174 bps (1)​ 25 bps
Cost-income ratio 64.0% 59.9%
Return on equity 1.9%​(1) 12.2%
CET1 ratio (fully-loaded)​ 13.5%​ 14.3%​
Deposit-to-loan portfolio​ 103.0% 116.5%
Number of employees​ 3,437 3,834
Book value per share (EUR)​​ 14.8 16.7

(1) negatively impacted by significant loan loss provisions in Ukraine


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