ProCredit Holding AG & Co. KGaA
PCZ.DE
Deutsche Börse8.30
EUR
-0.09
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ProCredit Holding AG & Co. KGaA
PCZ.DE
(Deutsche Börse)
Recent
price
8.30
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div
yld
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ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- ProCredit Holding AG is a Germany-based parent company of an international group of development-oriented commercial banks primarily serving micro, small, and medium-sized enterprises (MSMEs) and private individuals. The group offers banking services including loans, deposits, current and savings accounts, electronic banking, and payment services, with a strategic focus on promoting economic, ecological, and social development. Core products include green loans for energy efficiency and renewable energy projects, traditional SME lending, retail banking for the middle class, treasury services, and e-banking solutions. The group operates mainly in South Eastern and Eastern Europe—including Albania, Bosnia and Herzegovina, Bulgaria (with branch operations in Greece), Kosovo, North Macedonia, Romania, Serbia, Georgia, Moldova, and Ukraine—as well as in South America through Banco ProCredit in Ecuador and in Germany through ProCredit Bank and related technology and training subsidiaries. Founded in 1998 and headquartered in Frankfurt am Main, Germany, ProCredit Holding provides strategic management, capital adequacy oversight, reporting, and risk management for the group. Recent major developments include the successful conversion of its legal form into a joint stock company as of September 2023, increased capital requirements mandated by the German Federal Financial Supervisory Authority (BaFin) in 2025, and strong business growth through diversified loan portfolios. The group has also entered into strategic partnerships, including an expanded shareholding by the European Bank for Reconstruction and Development (EBRD), which strengthens its impact focus and governance. Operational highlights in 2025 include robust loan portfolio growth of over EUR 500 million, improved cost-income efficiency amid strategic investment, and approval of dividend payout following a successful financial year. The company continues to advance its transformation strategy with emphases on sustainable finance and digitalization to serve its target markets across multiple regions. ProCredit Holding’s subsidiaries include commercial banks in its geographic markets, along with Quipu GmbH, which provides software development and IT consultancy, and the ProCredit Academy that focuses on staff training and development. Its client base spans micro, small, and medium-sized enterprises alongside private retail customers, with geographic markets that emphasize emerging economies in Eastern Europe and South America, as well as developed markets like Germany. In summary, ProCredit Holding AG is a specialist financial holding company delivering a comprehensive range of banking and financial services focused on MSMEs and private clients, with a strong commitment to sustainable development and regional economic growth through targeted lending products and innovative digital banking services across multiple continental markets.