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 MSME 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 impacts in the economies and societies we work in.
Regional footprint
Group Key Indicators
Statement of Profit or Loss
| (in EUR m) | 01.01. – 30.09.2026 | 01.01. – 30.09.2025 |
| Net interest income | 299.3 | 260.8 |
| Net fee and commission income | 68.2 | 71.0 |
| Operating income | 358.0 | 323.7 |
| Personnel and administrative expenses | 246.7 | 230.8 |
| Loss allowance | 15.6 | 16.9 |
| Profit of the period | 69.5 | 58.2 |
Key Performance indicators
| 01.01. – 30.09.2026 | 01.01. – 30.09.2025 | |
| Change in loan portfolio | 11.9% | 7.9% |
| Cost-income ratio | 68.9% | 71.3% |
| Return on equity (annualised) | 7.9% | 7.4% |
| 30.09.2026 | 31.12.2025 | |
| Common Equity Tier 1 capital ratio | 12.6% | 13.1% |
Additional indicators
| 30.09.2026 | 31.12.2025 | |
| Loan portfolio to deposits ratio | 89.1% | 84.9% |
| Net interest margin (annualised) | 3.3% | 3.2% |
| Cost of Risk (annualised) | 25 bp | 15 bp |
| Share of defaulted loans | 2.8% | 3.0% |
| Stage 3 loans coverage ratio | 41.3% | 44.5% |
| Green loan portfolio | 1,414.6 | 1,419.6 |
| 01.01. – 30.09.2026 | 01.01. – 30.09.2025 | |
| Return on tangible equity (annualised)* | 8.4% | 7.7% |
*Profit attributable to ProCredit shareholders, divided by the average tangible shareholders’ equity.
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| CDP Rating | Climate rating score | B |