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
Key performance indicators
| Mar-23 | Mar-24 | |
| Change in customer loan portfolio | -0.8% | 3.0% |
| Cost-income ratio | 59.7% | 61.7% |
| Return on equity (annualised) | 13.3% | 13.4% |
| Common Equity Tier 1 capital ratio | 14.1% | 14.3% |
Additional indicators
| Mar-23 | Mar-24 | |
| Net interest margin (annualised) | 3.4% | 3.7% |
| Cost of Risk (annualised) | 12 bps | 2 bps |
| Customer deposits to customer loan portfolio | 104.3% | 116.2% |
| Share of credit-impaired loans | 3.2% | 2.6% |
| Ratio of allowances to credit-impaired loans | 108.6% | 118.0% |
| Stage 3 loans coverage ratio | 62.3% | 57.8% |
| Green customer loan portfolio (EUR m) | 1,223.8 | 1,281.2 |
*Figures have been adjusted according to the most recent scope of continuing operations
Ratings
| FitchRatings | Long term rating (outlook) | BBB (stable) |
| MSCI ESG Research | ESG rating | A |
| ISS ESG | Corporate rating | Prime |