As part of the ProCredit group, ProCredit Bank Germany has been a development-oriented commercial bank from the very beginning. The aim from the outset was to support the economy there and in the countries of the former Eastern Bloc. ProCredit Bank Germany supports companies in their business in South Eastern and Eastern Europe and networks them with the local ProCredit banks there. Our clients benefit from our many years of local expertise.
ProCredit Bank’s approach is based on three pillars
Support for business clients doing business in South Eastern and Eastern Europe
The first pillar is our activities as a commercial bank for companies doing business with or in South Eastern and Eastern Europe. In cooperation with our affiliate banks, ProCredit is active locally and supports companies with payment transactions, account openings in the target country, and trade or business finance. We also specialize in financing renewable energy projects.
Responsible banking with a focus on renewable energies
Our second pillar is to support economic growth in our countries of operation and help shape the green transformation in South Eastern and Eastern Europe through the targeted promotion of renewable energies through our Renewable Energy Centre. Local financing has a positive impact on job creation and economic development in the home countries. The financing we provide is always based on our strict sustainability criteria and Exclusion list.
Invest in the ProCredit group’s sustainable business model by investing with us
Our message is simple: everyone can support sustainable banking! We offer more than just an interest-bearing service – for us, our clients are partners in our understanding of sustainably. We offer attractive interest rates on call money and term deposits. With their deposits, our clients enable us to provide our sustainable financing (Impact Report) and drive forward sustainable business and the green transformation locally. Our clients are part of the big picture!
But an investment with ProCredit Bank is not only attractive: it’s also secure. Finally, in addition to the statutory deposit guarantee, it is protected by membership of the Deposit Protection Fund of the Association of German Banks e.V. (Deposit protection). Sounds good? We think so, too!
The key facts
- 11 affiliate banks in South Eastern and Eastern Europe
- Successful in South Eastern and Eastern Europe since 1998
- Successful in Germany since 2012
- Within the last 3 years (2024-2022) the Carbon Footprint per Employee increased by 129.5 %
- Diverse and equal with a share of women in middle management of >50% (bank)
Emilia Tzareva
Member of the Management Board
Emilia Tzareva has been a member of the Management Board of ProCredit Bank AG Germany since 2018. In her current role, she is responsible for Transactions and Direct Banking, Payments, Administration, the Corporate Office, Audit and Legal. With deep market knowledge and a strong network in South Eastern and Eastern Europe as well as in Germany, she actively supports the cross-border business of German companies in the region.
Emilia Tzareva began her career in finance in 1992 at a state-owned Bulgarian bank. She then spent six years in Corporate Banking and Structured Finance at BNP Paribas S.A. in Sofia. Since 2001, she has held various management positions within the ProCredit group – including roles in Bulgaria, Moldova and Germany. A particularly impactful experience was her leadership during the founding phase of ProCredit Bank Moldova. Her focus has always been on business clients, especially small and medium-sized enterprises (SMEs). At the same time, she has been responsible for a broad range of activities over the years – from retail banking and online services to payments, card transactions and treasury operations.
Martin Godemann
Member of the Management Board
Since August 2025, Martin Godemann has strengthened the front-office side of ProCredit Bank AG’s Management Board. He is responsible for Corporate Banking, the Renewable Energy Center, Treasury, and Corporate Development.
Martin Godemann brings extensive experience from within the ProCredit group. Most recently, he served for many years as Head of Group Funding at ProCredit Holding, where he was responsible for external funding procurement, guarantee programmes and the group’s liquidity management. Prior to that, he held various roles in commercial and investment banking at Dresdner Bank, Morgan Grenfell, Deutsche Bank, and Lehman Brothers in Frankfurt and London. His academic background includes a degree in Philosophy (Baccalaureate in Philosophy) and a diploma in Business Administration from Goethe University, Frankfurt. In addition, he completed the Masters in Finance programme at the London Business School.
Georg Wieninger
Member of the Management Board
Georg Wieninger joined ProCredit Bank AG in October 2024, initially serving as General Representative for back-office functions. On 1 October 2025, he was appointed to the Management Board and has since been responsible for the bank’s back-office operations, including credit risk management, risk control, financial controlling, accounting, compliance, and all of the related units.
His academic journey began in 2001 at the University of Duisburg-Essen and led him to Arkansas State University, earning a degree in business administration and an MBA. He started his professional career as a trainee at Commerzbank AG, where he worked in Group Treasury until 2010 while simultaneously completing the CFA programme. He then moved to Deutsche Pfandbriefbank AG, first as Executive Assistant to the Management Board and later as Deputy Head of Derivative Business. Further roles included positions at Finbridge GmbH as a consultant and in the capital markets division of DZ Bank AG. From 2016 until his move to ProCredit Bank, Georg Wieninger served as Head of Risk Management at Isbank AG, where he played a key role in shaping the bank’s strategic orientation for integrated performance and risk management and in updating risk management practices.
