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Environmental and social risks in lending

Risk management process

ProCredit Bank has introduced its own standards for assessing environmental and social risks in lending decisions, based on international regulations and best practices in environmental and social risk management.
Full exclusion list

  1. 1. Screening of the client’s business activity against the exclusion list

    At the initial stage, we analyse the client’s business to ensure it meets our financing criteria. ProCredit Bank does not cooperate with companies that use unethical practices, harm people’s health, or damage the environment. We do not finance businesses engaged in the production of hard alcohol and tobacco or those operating within protected natural areas.

    Learn more about the Bank’s approach to risk management in lending
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  2. 2. Classification of risk level according to the client’s activity

    Before a financing decision is made, each client is assigned an environmental risk category: low, medium, or high, depending on their type of activity. In addition, all business clients undergo an individual assessment regarding compliance with environmental standards and occupational safety requirements. For companies with medium or high risk, depending on the financing amount, external experts may be involved in the analysis.

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  3. 3. Environmental and social analysis

    At this stage, an in-depth analysis of the client’s activities is carried out in the following areas:

    • Compliance with legislation: availability of required permits.
    • Production risks: workplace safety measures and waste disposal.
    • Environmental and territorial factors: company location and its impact on local communities.
    • Social responsibility: safe working conditions and staff well-being.
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  4. 4. Final decision

    Based on the information obtained, the Bank makes a final lending decision and may require additional checks. As a financial partner, ProCredit Bank encourages clients to modernise equipment and production processes to reduce environmental impact. This approach minimises risks and ensures compliance with social responsibility policies.

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ProCredit Bank’s plastic strategy

Environmental and social risks in lending – 2 – https://procreditbank.com.ua

Individual approach

Individual approach


We offer tailored solutions for clients seeking environmentally friendly alternatives to plastic. Product redesign, the use of recycled materials and the organisation of plastic waste collection are simple yet effective steps that help reduce environmental pollution.

Environmental and social risks in lending – 3 – https://procreditbank.com.ua

Exclusion list

Exclusion list


ProCredit Bank does not finance businesses producing single-use plastics banned under EU Directive 2019/904. Exceptions are made for manufacturers already transitioning to ecological alternatives and gradually phasing out single-use items from their product range.

Environmental and social risks in lending – 4 – https://procreditbank.com.ua

Proactive strategies

Proactive strategies


We help businesses reduce the impact of plastics even before financing begins. Together with clients, we work on reducing plastic waste while maintaining profitability and business resilience.