Our mission
ProCredit Bank is a German development-oriented bank focused on Eastern and Southeastern Europe. We are dedicated to supporting micro, small, and medium-sized enterprises (MSMEs), as well as individual clients, with the goal of fostering economic growth and sustainable development.
Our mission is to build strong, long-term partnerships with our clients by offering personalized advice and consistent support at every stage of their financial journey. Our business approach is grounded in a deep understanding of each client’s unique circumstances, using careful financial analysis to strengthen their long-term stability. In doing so, we strive to ensure that every relationship is built on full transparency, which fosters clarity and mutual trust in our services and products.
We are committed to responsible lending practices that not only promote financial inclusion but also protect our clients from the risk of over-indebtedness. Moreover, we aim to achieve a broader social, economic, and environmental impact by continuously supporting our clients in adopting sustainable practices and transitioning toward greener operations.
We believe that micro, small, and medium-sized enterprises are key drivers of economic and social development. By providing ongoing support throughout the economic cycle, we actively contribute to sustainable growth and the green transformation of the markets in which we operate. Through accessible deposit services, digital banking, and a wide range of financial products, we promote a culture of saving and financial responsibility, laying the foundation for long-term stability—for both businesses and individuals.
Our shareholders are committed to sustainable, long-term returns aligned with our strong dedication to ethical banking principles and the creation of positive social impact.
Business ethics
Part of the mission of ProCredit Group is to define and set standards in the financial sector in which we operate.
We want to make a difference not only in the market segment we cover and the quality of financial services we provide, but also in terms of business ethics and environmental issues that are fully integrated into our business model.
Our corporate values play a key role in all of this. For this reason, we have established five basic principles on which the operations of all ProCredit institutions are based.
Our corporate values
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Transparency
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We provide transparent information to our clients, to the general public and to our employees.
For example, we ensure that clients fully understand the terms of the agreements they conclude with us, and we engage in financial education in order to raise public awareness of the dangers of intransparent financial offers
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A culture of open communication
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We communicate openly, fairly and constructively with each other. We deal with conflicts at work in a professional manner, working together to find solutions.
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Social responsibility and tolerance
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We offer our clients comprehensive, well-founded advice. Before offering loans to our clients, we assess their economic and financial situation, their business potential and their repayment capacity in order to provide them with appropriate financial services and to avoid over-indebting them.
In addition, we are committed to treating all customers and employees with fairness and respect, regardless of their race, ethnicity, age, disability, sexual orientation, gender, religion or belief.
We also ensure that requests for loans are evaluated in terms of the applicant’s compliance with our ethical business practices.
No loans are issued to enterprises or individuals if there is any reason to believe that they make use of unsafe, environmentally harmful or morally objectionable forms of labour, in particular child labour. Therefore, we have:
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High professional standards
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Our employees take personal responsibility for the quality of their work and always strive to grow as professionals.
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Personal integrity and commitment
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Absolute honesty is required of all employees in the ProCredit group at all times, and any breaches of this principle are swiftly and rigorously dealt with.
Together with our mission statement, these principles represent the backbone of our corporate culture and are actively applied in our day-to-day operations. They are reflected in the ProCredit Code of Conduct, which translates the group’s principles into practical guidelines for our staff.
Code of conduct
Code of conduct
Organisational chart
Organisational chart
Impact Report
Impact Report
Whistleblowing system
The development-oriented ProCredit Bank as a part of ProCredit Groupis committed to maintaining high ethical standards with regard to its business activities and their impact on the environment and the social environment.
Our aim is to promote unbiased communication within the ProCredit Bank based on a common “ethical compass” and to create a professional climate in which honest and credible communication is a matter of course.
We therefore offer an open working atmosphere, which enables our employees to communicate directly with team leaders, Human Resources, Internal Audit, the Compliance Officer or Management. In addition, ProCredit bank has whistleblowing systems that also allow for anonymous contact if grievances need to be addressed.
All employees and managers of the ProCredit Bank, as well as our customers, business partners and the general public, bear the responsibility for noticing and clearly addressing illegal, fraudulent or unethical behavior.
If, in connection with our business activities, you wish to disclose information about actions that have been committed with criminal intent, such as criminal violations of our Code of Conduct, internal policies or procedures, or violations of applicable law, you may contact us at the following address: srb.etika@procredit-group.com
We process all indications of violations committed with criminal intent consistently and according to equal standards.