ProCredit Holding
Banking company
From Wikipedia, the free encyclopedia
ProCredit Holding AG is a Germany-based banking group headquartered in Frankfurt am Main. It is the parent company of ProCredit group, and international network of commercial banks primarily focused on providing financial services to small and medium-sized enterprises (SMEs) in Southeastern and Eastern Europe, Ecuador, and Germany. The business model of the group is based on "socially responsible banking".[1]
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| Company type | Private |
|---|---|
| Industry | Finance |
| Founded | 1998 |
| Headquarters | Frankfurt, Germany |
Key people |
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| Products | Financial services |
| Website | www.procredit-holding.com |
The groups core business consists of offering banking services to small and medium-sized enterprises (SMEs). An emphasis is placed on expanding the group's green loan portfolio and promoting local production, especially in agriculture. In addition to serving SMEs, the ProCredit group also pursues a direct banking strategy for private clients, particularly the growing middle class.[2]
ProCredit Holding, which began as Internationale Micro Investitionen AG, was founded in 1998 and in 2025 was managed by Hubert Spechtenhauser, Eriola Bibolli, Dr Gian Marco Felice and Christian Dagrosa.[3] The company has a Fitch Rating of BBB. As the group is a superordinated institution, it is regulated by the German and European supervisory authorities.[4]
According to the group's annual report for 2020, the total assets of the ProCredit group amounted to approximately EUR 7.3 billion. It holds customer deposits of about EUR 4.9 billion and has a gross loan portfolio of around EUR 5.3 billion.[2]
The promotion of green loans to finance projects in the fields of energy efficiency and renewable energies (Pillar III) is the strategic focus here. In 2020, approximately 40% of the group's total loan portfolio growth was in green loans.[2]
ProCredit Holding banks
A full list of the banks in the ProCredit group can be found in the following table.
| Name | Ownership | Reference |
|---|---|---|
| ProCredit Bank Albania | 100 % ProCredit Holding | [2] |
| ProCredit Bank Bosnia and Herzegovina | 100 % ProCredit Holding | [2] |
| ProCredit Bank Bulgaria | 100 % ProCredit Holding | [2] |
| ProCredit Bank Germany | 100 % ProCredit Holding | [2] |
| ProCredit Bank Ecuador | 100 % ProCredit Holding | [2] |
| ProCredit Bank Georgia | 100 % ProCredit Holding | [2] |
| ProCredit Bank Kosovo | 100 % ProCredit Holding | [2] |
| ProCredit Bank North Macedonia | 100 % ProCredit Holding | [2] |
| ProCredit Bank Moldova | 100 % ProCredit Holding | [2] |
| ProCredit Bank Romania | 100 % ProCredit Holding | [2] |
| ProCredit Bank Serbia | 100 % ProCredit Holding | [2] |
| ProCredit Bank Ukraine | 100 % ProCredit Holding | [2] |