About ProCredit Goup

The ProCredit group is made up of banks that have specialised in small and medium-sized enterprises in transition economies. Our business model consists of the core activities of traditional banking business. We are active in Eastern Europe, South Eastern Europe, South America and Germany. The superordinated company of the group is ProCredit Holding AG, based in Frankfurt am Main, hereinafter referred to as ProCredit Holding. The legal form is AG (Aktiengesellschaft or joint-stock company).

Our corporate strategy and our activities are guided by the objective of making a sustainable contribution to economic, social and environmental development in our countries of operation. ProCredit’s business strategy is based on the formation of long-term relationships with our clients and staff and on careful risk management. The group does not engage in speculative lines of business. With our business policies focused on sustainability, we have been able to record profits each year, achieving steady performance even in times of economic volatility.

Through our collaboration with SMEs, we aim to contribute to creating jobs, enhancing capacity for innovation and raising ecological and social awareness. In this regard, we concentrate on enterprises with stable, formalised structures, and attach particular importance to supporting local production, especially in agriculture. Our SME clients value ProCredit as an equal partner that understands their needs and the unique challenges they face. We offer a broad range of transparent financial services. We promote a savings culture and improve the financial stability of our clients. Lending to private clients is limited, and serves mainly to enable them to acquire and maintain long-lasting assets, as is the case, for example, with energy-efficient home improvement loans.