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 impact in the economies and societies we work in.
Regional footprint
Group Key Indicators
Statement of Profit or Loss
| (in EUR m) | 12M-24 | 12M-23 |
| Net interest income | 358.2 | 337.2 |
| Net fee and commission income | 59.2 | 57.5 |
| Operating income | 444.3 | 412.5 |
| Personnel and administrative expenses | 302.8 | 247.0 |
| Loss allowance | -5.2 | 15.5 |
| Profit of the period | 104.3 | 113.4 |
Key Performance indicators
| 12M-24 | 12M-23 | |
| Change in loan portfolio | 12.6% | 1.9% |
| Cost-income ratio | 68.1% | 59.9% |
| Return on equity | 10.2% | 12.2% |
| CET1 ratio (fully loaded) | 13.1% | 14.3% |
Additional indicators
| 12M-24 | 12M-23 | |
| Deposit to loan portfolio | 118.3% | 116.5% |
| Net interest margin | 3.5% | 3.6% |
| Cost of Risk | -8 bps | 25 bps |
| Share of defaulted loans | 2.3% | 2.7% |
| Stage 3 loans coverage ratio | 49.9% | 57.6% |
| Green loan portfolio (in EUR m) | 1,354.6 | 1,268.3 |
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| ISS ESG | Corporate rating | Prime |