Key facts
ProCredit at a glance
- A group of commercial banks focusing 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 aim to be the leading bank for micro, small and medium-sized enterprises (MSMEs) in our markets by focusing on long-term client relationships and transparent business practices. Together with our fully digital offer for private clients, we strive to achieve long-term profitable growth and support access to financial services for businesses and private individuals in the markets in which we operate.
Regional footprint
Group Key Indicators
Statement of Profit or Loss
| (in EUR m) | 01.01. – 30.06.2026 | 01.01. – 30.06.2025 |
| Net interest income | 191.3 | 171.3 |
| Net fee and commission income | 44.0 | 47.0 |
| Operating income | 227.2 | 213.1 |
| Personnel and administrative expenses | 161.7 | 151.1 |
| Loss allowance | 9.0 | 0.3 |
| Profit of the period | 38.5 | 47.0 |
Key Performance indicators
| 01.01. – 30.06.2026 | 01.01. – 30.06.2025 | |
| Change in loan portfolio | 8.0% | 4.9% |
| Cost-income ratio | 71.2% | 70.9% |
| Return on equity (annualised) | 6.7% | 9.0% |
| 30.06.2026 | 31.12.2025 | |
| Common Equity Tier 1 capital ratio | 12.7% | 13.1% |
Additional indicators
| 30.06.2026 | 31.12.2025 | |
| Loan portfolio to deposits ratio | 89.6% | 84.9% |
| Net interest margin (annualised) | 3.3% | 3.2% |
| Cost of Risk (annualised) | 22 bp | 15 bp |
| Share of defaulted loans | 2.9% | 3.0% |
| Stage 3 loans coverage ratio | 41.3% | 44.5% |
| Green loan portfolio | 1,416.6 | 1,419.6 |
| 01.01. – 30.06.2026 | 01.01. – 30.06.2025 | |
| Return on tangible equity (annualised)* | 7.3% | 9.3% |
*Return on tangible equity is the ratio of profit of the period less expected coupon payments and fees on additional equity components to the average equity attributable to ProCredit shareholders excluding intangible assets and additional equity components.
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| CDP Rating | Climate rating score | B |