# ProCredit Holding > Mediated Wiki article. Canonical URL: https://mediated.wiki/source/ProCredit_Holding > Markdown URL: https://mediated.wiki/source/ProCredit_Holding.md > Source: https://en.wikipedia.org/wiki/ProCredit_Holding > Source revision: 1342089827 > License: Creative Commons Attribution-ShareAlike 4.0 International (https://creativecommons.org/licenses/by-sa/4.0/) {{Short description|Banking company}} {{Multiple issues|{{primary sources|date = April 2008}} {{Advert|date=September 2020}}}} {{Infobox company | name = ProCredit Holding | logo = Logo der ProCredit Holding (Frankfurt, Deutschland).png | type = [Private](/source/Private_company) | key_people = * Hubert Spechtenhauser (Chairman of the Management Board) * Dr Gian Marco Felice * Christian Dagrosa * Eriola Bibolli | industry = [Finance](/source/Finance) | products = [Financial services](/source/Financial_services) | homepage = [http://www.procredit-holding.com www.procredit-holding.com] | foundation = 1998 | location = [Frankfurt](/source/Frankfurt), Germany }} '''ProCredit Holding AG''' is a Germany-based banking group headquartered in [Frankfurt am Main](/source/Frankfurt). It is the [parent company](/source/parent_company) of ProCredit group, and international network of commercial banks primarily focused on providing financial services to small and medium-sized enterprises ([SMEs](/source/Small_and_medium-sized_enterprises)) in [Southeastern](/source/Southeast_Europe) and [Eastern Europe](/source/Eastern_Europe), [Ecuador](/source/Ecuador), and [Germany](/source/Germany). The business model of the group is based on "socially responsible banking".{{Cite web |title=Shareholders |url=https://www.procreditbank.bg/en/about-us/shareholder |access-date=6 March 2026 |website=ProCredit Bank |publisher=ProCredit Bank}} The groups core business consists of offering banking services to small and medium-sized enterprises (SMEs). An emphasis is placed on expanding the group's [green loan](/source/Energy_efficient_mortgage) portfolio and promoting local production, especially in [agriculture](/source/agriculture). In addition to serving SMEs, the ProCredit group also pursues a direct banking strategy for private clients, particularly the growing middle class.{{Cite web|last=|first=|date=|title=ProCredit Holding: Annual Report 2020|url=https://www.procredit-holding.com/wp-content/uploads/2021/03/2020_EN_PCH_AR_L.pdf|archive-url=|archive-date=|access-date=2021-10-22|website=}} ProCredit Holding, which began as Internationale Micro Investitionen AG, was founded in 1998 and in 2025 was managed by Hubert Spechtenhauser, Eriola Bibolli, Dr Gian Marco Felice and Christian Dagrosa.{{Cite web |title=Management Board |url=https://www.procredit-holding.com/about-us/procredit-holding-role/management-board/ |access-date=2025-04-14 |website=PCH (EN) |language=en-US}} The company has a [Fitch Rating](/source/Fitch_Ratings) of BBB. As the group is a superordinated institution, it is regulated by the German and [European supervisory authorities](/source/European_Supervisory_Authorities).{{Cite web |title=Group supervision and corporate governance |url=https://www.procredit-holding.com/about-us/procredit-holding-role/group-supervision-corporate-governance/ |access-date=2025-04-14 |website=PCH (EN) |language=en-US}} According to the group's annual report for 2020, the total assets of the ProCredit group amounted to approximately EUR 7.3 billion. It holds customer deposits of about EUR 4.9 billion and has a gross loan portfolio of around EUR 5.3 billion. The promotion of green loans to finance projects in the fields of [energy efficiency](/source/Efficient_energy_use) and [renewable energies](/source/Renewable_energy) (Pillar III) is the strategic focus here. In 2020, approximately 40% of the group's total loan portfolio growth was in green loans. ==ProCredit Holding banks== A full list of the banks in the ProCredit group can be found in the following table. {| class="sortable" !Name !Ownership !Reference |- |ProCredit Bank Albania |100 % ProCredit Holding | |- |ProCredit Bank Bosnia and Herzegovina |100 % ProCredit Holding | |- |ProCredit Bank Bulgaria |100 % ProCredit Holding | |- |ProCredit Bank Germany |100 % ProCredit Holding | |- |ProCredit Bank Ecuador |100 % ProCredit Holding | |- |ProCredit Bank Georgia |100 % ProCredit Holding | |- |ProCredit Bank Kosovo |100 % ProCredit Holding | |- |ProCredit Bank North Macedonia |100 % ProCredit Holding | |- |ProCredit Bank Moldova |100 % ProCredit Holding | |- |ProCredit Bank Romania |100 % ProCredit Holding | |- |ProCredit Bank Serbia |100 % ProCredit Holding | |- |ProCredit Bank Ukraine |100 % ProCredit Holding | |} ==Shareholders== The following [shareholder](/source/shareholder)s held more than 5% of the [shares](/source/Share_(finance)) in ProCredit Holding as of 30 June 2023, thus representing the main shareholders:[https://procredit-holding.com Shareholder structure - PCH (EN) (procredit-holding.com)] (Retrieved 30 June 2023) * Zeitinger Invest GmbH (18.3%) * [KfW](/source/KfW) (13.2%) * The Dutch [DOEN](/source/DOEN_Foundation) Participaties (12.5%) * [EBRD](/source/European_Bank_for_Reconstruction_and_Development) (8,7%) * [TIAA](/source/Teachers_Insurance_and_Annuity_Association_of_America) (8.6%) ==See also== * [List of banks in the euro area](/source/List_of_banks_in_the_euro_area) * [List of banks in Germany](/source/List_of_banks_in_Germany) ==References== {{Reflist}} ==External links== * [http://www.procredit-holding.com Procredit Holding website] {{Authority control}} Category:Banks_of_Albania Category:Banks of Germany --- Adapted from the Wikipedia article [ProCredit Holding](https://en.wikipedia.org/wiki/ProCredit_Holding) by Wikipedia contributors ([contributor history](https://en.wikipedia.org/wiki/ProCredit_Holding?action=history)). 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