ProCredit Bank is a development-oriented full-service bank. They offer excellent customer service and a wide range of banking products. In their credit operations, they focus on lending to very small, small and medium-sized enterprises, as they are convinced that these businesses create the largest number of jobs and make a vital contribution to the economies in which they operate.
Unlike other banks, their bank does not promote consumer loans. Instead they focus on responsible banking, by building a savings culture and long-term partnerships with their customers.
Part of the overall mission of the ProCredit group is to set standards in the financial sectors in which they operate. They want to make a difference not only in terms of the target groups they serve and the quality of the financial services they provide, but also with regard to business ethics. Their strong corporate values play a key role in this respect.
They also set standards regarding the impact of their lending operations on the environment. ProCredit Bank has implemented an environmental management system based on continuous assessment of the loan portfolio according to environmental criteria, an in-depth analysis of all economic activities which potentially involve environmental risks, and the rejection of loan applications from enterprises engaged in activities which are deemed environmentally hazardous and appear on their institution’s exclusion list.