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 our markets of operation – with a sustainable approach.
Our Fact sheet
Regional footprint
Key group figures
Key financials (in € m)
| FY 2020 | Q1 2021 | |
| Total assets(1) | 7,329 | 7,492 |
| Loan portfolio(1) | 5,254 | 5,412 |
| Shareholders equity | 780 | 804 |
| Net income(1) | 41.4 | 15.6 |
(1) Annualised
Key metrics
| FY 2020 | Q1 2021 | |
| Net interest margin(1) | 2.9% | 2.7% |
| Cost of risk(1) | 57 bps | 27 bps |
| Cost-income ratio | 68.0% | 64.8% |
| Return on equity(1) | 5.3% | 7.9% |
| CET1 ratio (fully-loaded) | 13.3% | 13.2% |
| Customer deposits/loans | 93% | 93% |
| Number of employees | 3,261 | 3,203 |
| Book value per share (€) | 13.2 | 13.7 |
(1) Annualised
Ratings
| 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 and signatory to UNEP FI
Environmental responsibility
- Focus on promotion of “green” investments, 24% growth of green LP in 2020
- Strict exclusion lists
- Increasing number of office buildings with Edge Certification
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
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.
