ProCredit Holding AG

Latest Results (07.11.2025):

ProCredit Holding AG reported its financial results for the first half (H1) of 2025, showing robust loan growth, solid profitability, and stable capital adequacy. The report highlights strong strategic investments fueling a diverse portfolio expansion, while deliberate cost management supported a maintained risk profile despite a temporarily elevated cost-income ratio.

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.