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Environmental, Social and Governance (ESG)

Outlook for the environment, our employees and the company: Our ESG guidelines.

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Environmental

Our business strategy is largely centred on minimising our negative impact on the environment. And that’s not all. We also proactively promote sustainable business processes – both in terms of lending as well as the provision of financial services and in our day-to-day operations.
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Our environmental management system (EMS) comprises 3 pillars:

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Incidentally, this has been the case since day one. It has been an integral part of the ProCredit group’s corporate DNA from the very beginning:

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Social

Yes, we also have a social impact. This is because our core business consists primarily of granting loans to SMEs. Why? Because it is primarily these companies that create growth and jobs in South Eastern and Eastern European countries. You can find out more in our Impact Report on page 28.
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Social responsibility is also part of our Mission Statement: transparency, a culture of open dialogue, social responsibility and tolerance as well as professionalism, integrity and commitment play a key role in how we shape our relationships with clients, interested parties and suppliers. There’s a reason why this is an important part of our Mission.
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This is of course something that we aim to firmly establish within the company, which is why, in addition to knowledge, we also convey the importance of corporate values in everything we do at our very own Academy.

Governance

ProCredit Bank Germany is a wholly owned subsidiary of ProCredit Holding AG, headquartered in Frankfurt am Main, ProCredit Holding is the parent company of the group and the superordinate company under banking supervisory law. It is a financial holding company within the meaning of the Capital Requirement Regulation (CRR), which does not itself have a banking licence but is supervised at group level by the German Federal Financial Supervisory Authority (BaFin) and Deutsche Bundesbank. Our shareholder structure underpins our endeavours to achieve a sustainable impact.
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Our shareholder structure strengthens us in our pursuit of sustainable impact.

ProCredit Bank Germany is a wholly owned subsidiary of ProCredit Holding AG, headquartered in Frankfurt am Main, ProCredit Holding is the parent company of the group and the superordinate company under banking supervisory law. It is a financial holding company within the meaning of the Capital Requirement Regulation (CRR), which does not itself have a banking licence but is supervised at group level by the German Federal Financial Supervisory Authority (BaFin) and Deutsche Bundesbank. Our shareholder structure underpins our endeavours to achieve a sustainable impact.

Our values, guidelines and organisational structures are designed to ensure that we act responsibly in our day-to-day work and promote our clients’ trust in our services and decisions. By having clear structures, procedures and standards, we can work without a conventional top-down approach. Flat hierarchies, prompt, and transparent communication channels as well as small and focussed teams enable us to react quickly and effectively. In addition to promoting a culture of compliance among our employees, we set high standards – often exceeding local regulatory requirements. These are documented in the Code of Conduct, which serves as an ethical compass for the group. By doing so, we aim to set a good example: we set high standards of corporate governance and require the same from our clients.