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.
Our Fact sheet
Regional footprint
Key group figures
Key financials (in € m)
| Sep-20 | Sep-21 | |
| Total assets | 7,147 | 7,885 |
| Loan portfolio | 5,205 | 5,803 |
| Shareholders equity | 785 | 856 |
| Net income | 33.4 | 62.0 |
Key metrics
| Sep-20 | Sep-21 | |
| Net interest margin | 2.9% | 2.8% |
| Cost of risk | 56 bps | 8 bps |
| Cost-income ratio | 66.5% | 62.4% |
| Return on equity | 5.6% | 10.1% |
| CET1 ratio (fully-loaded) | 14.1% | 13.8% |
| Customer deposits/loans | 91% | 91% |
| Number of employees | 3,246 | 3,153 |
| Book value per share (€) | 13.3 | 14.5 |
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 > €1.1bn, avg. growth 26% p.a.
- 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 8 of the UN’s 17 Sustainable Development Goals (SDGs).
Our Impact Report 2020 summarises the group’s achievements in this respect.
