ProCredit Holding AG

PCZ

Equity

ISIN DE0006223407 / Valor 34813027

Xetra (2025-11-21)

EUR 7.30+1.39%

ProCredit Holding AG
UMushroom community rating:

4.40 3 votes No rating yet

NegativeNeutralPositive

About company

ProCredit Holding AG is a Frankfurt-based financial institution that serves as the parent company for a network of development-oriented commercial banks. These banks operate primarily in South Eastern and Eastern Europe, South America, and Germany. The company focuses on providing financial services to small and medium-sized enterprises (SMEs), emphasizing sustainable and responsible banking practices. ProCredit Holding is tasked with overseeing the strategic management, ensuring capital adequacy, and maintaining robust risk management and business organization across its subsidiaries. The group's operations are characterized by a commitment to fostering economic development in the regions it serves, with a particular focus on supporting the growth of SMEs.

Summarized from source with an LLMView SourceSector: Finance

Loan Growth

The company’s loan portfolio increased by EUR 504 million or 7.2% (adjusted for foreign exchange effects) in H1 2025, with significant gains in micro and small enterprise as well as private client segments.

Profitability

ProCredit Holding AG achieved a group result of EUR 47.0 million in H1 2025, corresponding to an annualised return on equity of 9.0%, even as net interest income experienced a slight decline due to lower policy rates impacting pricing.

Cost Efficiency & Strategic Investments

The cost-income ratio climbed to 70.9% in H1 2025, up from 64.1% in H1 2024, reflecting strategic investments in growth catalysts that have largely been absorbed, setting the stage for future expansion.

Capital & Risk Management

The CET1 capital ratio remained stable at 13.1%, while the cost of risk was maintained at a very low 1 basis point, underscoring the strong portfolio quality amid challenging global macroeconomic conditions.

Outlook & Regional Developments

Management confirmed its 2025 outlook, expecting continued loan growth, a return on equity of around 10%, and a stable capital ratio. The positive performance in key regions such as South Eastern and Eastern Europe reinforces the group’s confidence in its strategic course for the remainder of 2025.

Summarized from source with an LLMView Source

Key figures

-6.89%1Y

102%3Y

23.7%5Y

Performance

40.9%1Y

39.2%3Y

42.4%5Y

Volatility