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 SME 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) | 9M-23 | 9M-24 |
| Net interest income | 244.7 | 270.6 |
| Net fee and commission income | 43.2 | 44.0 |
| Other operating income (net) | 13.2 | 16.1 |
| Operating income | 301.2 | 330.7 |
| Personnel expenses | 87.8 | 106.4 |
| Administrative expenses | 89.1 | 110.8 |
| Loss allowance | 9.0 | 4.1 |
| Tax expenses | 21.3 | 24.6 |
| Profit after tax | 94.0 | 84.8 |
Key Performance indicators
| 9M-23 | 9M-24 | |
| Change in customer loan portfolio | 1.9% | 9.0% |
| Cost-income ratio | 58.7% | 65.7% |
| Return on equity (annualised) | 13.6% | 11.3% |
| CET1 ratio (fully loaded) | 14.9% | 14.1% |
Additional indicators
| 9M-23 | 9M-24 | |
| Net interest margin (annualised) | 3.6% | 3.6% |
| Net write-off ratio | 0.4% | 0.2% |
| Credit impaired loans (Stage 3) | 3.0% | 2.3% |
| Cost of Risk | 20 bps | 8 bps |
| Stage 3 loans coverage ratio | 59.5% | 56.1% |
| Book value per share (EUR) | 16.5 | 17.4 |
| Deposit-to-loan-ratio | 111.4% | 115.3% |
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| ISS ESG | Corporate rating | Prime |