Key facts

ProCredit at a glance

  • An impact-oriented group of commercial banks with a focus on SMEs in Eastern and South Eastern Europe​
  • “Hausbank” for SMEs 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

Be the leading “Hausbank ” for SMEs in Eastern and South Eastern Europe – with a sustainable approach​.


Regional footprint

ProCredit Group

Key group figures

Key financials (in € m)

  FY 2019 Sept 2020
Total assets(1) 6,698 7,147
Loan portfolio(1) 4,797 5,205
Shareholders equity 793 785
Net income(1) 54.3 33.4

(1) Annualised

Key metrics


  FY 2019 Sept 2020
Net interest margin(1) 3.1% 2.9%
Cost of risk(1) (7) bps 56 bps​
Cost-incomeratio 70.5% 66.5%
Return on equity(1)​ 6.9% 5.6%​
CET1 ratio (fully-loaded)​ 14.1%​ 14.1%​
Customer deposits/loans​ 90% 91%
Number of employees​ 3,024 3,246​
Book value per share (€)​​ 13.5 13.3​

(1) Annualised


FitchRatings Long term rating (outlook) BBB (stable)
MSCI ESG Research ESG rating AA
ISS ESG Corporate rating Prime

Impact orientation

Responsible banking​

  • No focus on consumer lending, ​no complex products, ​93% of loan portfolio to SMEs
  • Promotion of price and ​banking sector transparency​
  • Commitment to SDGs​

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Environmental responsibility​

  • Focus on promotion of ​ “green” investments​
  • Strict exclusion lists​
  • Mid-term target for green loans of ​20% of overall loan portfolio ​(16.7% as of Q1 2020)​​

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Investments in staff development

  • Unique approach to staff recruitment and development​
  • Continuous training in own academy​
  • Value-based training, with salary linked to training level​

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Sustainable development goals​

Our impact approach is linked to 8 of the UN’s 17 Sustainable Development Goals (SDGs).​

Our impact report 2020 summarises the group’s achievements in this respect​.

ProCredit Impact Report 2020 / PDF 9 MB