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.
Our Fact sheet
Regional footprint
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
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
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)
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 2019 summarises the group’s achievements in this respect.
