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ProCredit Holding PCZ.DE · EUR

Financials · XETRA · 🇩🇪 Germany

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8.86

+0.91%

Close of 9 Nov 2026, in EUR

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About ProCredit Holding

Its shares trade on XETRA under the ticker PCZ.DE. It has been listed since 22 December 2016. In the fiscal year to 31 December 2025, it reported revenue before interest expense of €750.8m and net income of €83.5m. At that date it held total assets of €11.60bn and shareholders' equity of €1.07bn.

ProCredit Holding AG & Co. KGaA is a development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. The company is headquartered in Frankfurt, Hessen. The company went IPO on 2016-12-22. The firm operates as a parent for development-oriented ProCredit group, which consists of commercial banks for small and medium enterprises (SMEs) and whose operational focus is on South Eastern and Eastern Europe. In addition to this regional presence, the ProCredit group is also active in South America and Germany. The firm operates through various subsidiaries, such as ProCredit Bank SA, ProCredit Bank (Bulgaria) EAD, ProCredit Bank AG, ProCredit Academy GmbH, Quipu GmbH, ProCredit Bank SA, ProCredit Bank ShA, Banco ProCredit Colombia SA, Banco ProCredit SA, JSC ProCredit Bank, Banco Pyme Los Andes ProCredit SA, BC ProCredit Bank, JSC ProCredit Bank, as well as operates special purpose vehicles PC Finance II BV and Fideicosimo Primera Tituarizacion de Cartera Comercial Pymes ProCredit, among others.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Banks
Listed since
22 Dec 2016
Employees
3,261

Leadership

Pay as last reported

  • Mr. Rainer OttensteinIndependent Chairman of the Supervisory Board, since 2016€122,000
  • Mr. Hubert SpechtenhauserChairman of the Management Board€484,000
  • Dr. H. P. M. KnapenIndependent Vice Chairman of the Supervisory Board, since 2020€64,000
  • Mr. Christoph BeeckMember of the Management Board
  • Ms. Eriola BibolliMember of the Management Board€222,000
  • Mr. Georgios ChatzisMember of the Management Board
  • Mr. Christian DagrosaMember of the Management Board€329,000
  • Dr. Gian FeliceMember of the Management Board€330,000
  • Ms. Jovanka Joleska PopovskaIndependent Member of the Supervisory Board€39,000
  • Mr. Patrick ZeitingerIndependent Member of the Supervisory Board
  • Ms. Karin KaterbauMember of the Supervisory Board€5,000
  • Dr. Jan Schroeder-HohenwarthMember of the Supervisory Board€21,000

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
78
Environment
91
Social
91
Governance
53
Direct emissions (scope 1)
1,027.3 t
Energy emissions (scope 2)
6,580.5 t
Value chain emissions (scope 3)
3,908.8 t
Women in the workforce
64%
Carbon reduction policy
Yes
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • ProCredit Holding AG & Co KGaA has an established presence in the financial market, with a solid reputation and a large customer base. This enables them to leverage their brand and attract new customers.
  • The company has a strong commitment to sustainable banking practices, which not only helps them attract socially conscious customers but also ensures long-term business stability.
  • ProCredit Holding AG & Co KGaA has implemented a comprehensive risk management system, allowing them to identify and mitigate potential risks effectively. This ensures financial stability and protects the interests of their stakeholders.

Weaknesses

  • The company's operations are primarily focused on specific regions, which may limit their growth potential and expose them to geographical risks.
  • ProCredit Holding AG & Co KGaA heavily relies on institutional clients for a significant portion of their business. This dependence on specific clients can make them vulnerable to financial downturns or changes in client preferences.
  • The company's product offerings are relatively limited compared to some of their competitors. This lack of diversification may make it challenging for them to cater to the evolving needs of their customers.

Opportunities

  • ProCredit Holding AG & Co KGaA has the opportunity to expand into new markets and diversify their geographic presence. This can help them tap into new customer segments and increase their market share.
  • Leveraging technological advancements can enhance the company's operational efficiency and allow them to offer innovative digital banking solutions. This can attract tech-savvy customers and give them a competitive edge.
  • The increasing awareness and demand for sustainable finance provide an opportunity for ProCredit Holding AG & Co KGaA to further strengthen their position as a leader in sustainable banking and attract more environmentally conscious customers.

Threats

  • The financial industry is highly competitive, and ProCredit Holding AG & Co KGaA faces competition from both traditional banks and emerging fintech companies. They must continuously innovate and differentiate their offerings to stay ahead in the market.
  • Fluctuations in the global economy can significantly impact the company's financial performance. ProCredit Holding AG & Co KGaA needs to closely monitor economic trends and implement strategies to mitigate the effects of economic volatility.
  • Changes in financial regulations and compliance requirements pose a challenge for ProCredit Holding AG & Co KGaA. They must adapt to new regulations, which may increase operational costs, affect profitability, or require changes to their business practices.

Sources and methodology

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Our data supplier
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