Our approach to staff

Group-wide philosophy and policies

Central to the ProCredit group’s business model is a deeply thought-through approach to our human resources. In cooperation with all of the ProCredit banks, group-wide standards have been established for the entire range of HR-related activities, from recruitment to training to remuneration. Ethical banking can only be successful if we have employees who identify with our values and goals, and actively pursue them. Our values are based on the principles set forth in the UN’s Universal Declaration of Human Rights. To formalise the ProCredit group’s commitment to observing and respecting these principles, our Management Board signed the ProCredit Group Statement on Human Rights. The statement complements our Code of Conduct, which explicitly documents our values and the resulting principles that govern our behaviour in the ProCredit group. Therefore, we have set strict standards for staff selection and training based on a strong sense of mutual respect and personal responsibility and long-term commitment to the institution.

Our mission statement, below, sets the operational framework for all banks in the ProCredit group.

ProCredit is a German development-oriented bank for South Eastern and Eastern Europe dedicated to supporting micro, small, and medium-sized enterprises (MSMEs) and private individuals, fostering economic growth and sustainable development.

We are committed to delivering exceptional customer service that extends far beyond offering financial products. Our goal is to build strong, lasting partnerships with our clients by providing personalised advice and consistent support at every stage of their financial journey.

Our core principles guide everything we do:

• We take the time to thoroughly understand our clients’ unique circumstances, conducting sound financial analysis to promote their long-term financial stability.
• We prioritise transparency in all client interactions, ensuring clarity and trust in our financial services and products.
• We uphold responsible lending practices that promote financial inclusion while protecting clients from over-indebtedness.
• We focus on driving broad social, economic and environmental impact by engaging with our clients to promote sustainable practices and support their transition towards environmentally responsible operations.

We believe MSMEs are vital drivers of economic and social progress. By supporting them through their economic cycle, we aim to foster sustainable development and drive the green transformation in our countries of operation. By offering accessible deposit facilities, digital banking services, and a comprehensive range of financial products, we aim to cultivate a culture of saving and financial responsibility among all our clients, including private individuals.

Our shareholders seek sustainable, long-term returns, aligned with our unwavering commitment to ethical banking practices and positive social impact.

We invest extensively in the training and development of our staff to foster an open, professional, and efficient working environment. This enables us to deliver friendly, knowledgeable, and effective service to our clients.