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ProCredit Holding: Strong credit growth despite decline in consolidated earnings!
Small businesses are a key contributor to ProCredit’s loan growth; current financial figures for 2025 in focus.
ProCredit Holding: Strong credit growth despite decline in consolidated earnings!
ProCredit Holding has recorded significant growth in its loan portfolio in the first half of 2025. As [4investors] reports, the loan portfolio increased by 504 million euros after adjusting for currency effects, which corresponds to an increase of 7.2 percent. This growth is particularly driven by demand from micro and small businesses as well as private customers. Without the currency-related adjustment, the increase was 347 million euros or 4.9 percent.
The company's deposits fell by 72 million euros, or 0.9 percent. Adjusted for currency effects, however, there was a pleasing increase of 120 million euros. The consolidated result was 47 million euros in the reporting period, compared to 57.6 million euros in the previous year. The annualized return on equity fell from 11.6 percent to 9 percent; Without taking business in South America into account, it is 10 percent.
Financial indicators and outlook
The cost-income ratio increased to 70.9 percent, compared to 64.1 percent in the previous year. This deterioration is due to investments in the branch network, personnel and IT. Net interest income fell by 9.2 million euros to 171.3 million euros, while the net interest margin fell to 3.2 percent (previous year: 3.6 percent). In contrast, net commission income increased by 2.7 million euros to 47 million euros, which was boosted by transaction and foreign exchange business.
At just 0.3 million euros, risk provisions were significantly lower than in the previous year, where they were 5.7 million euros. Non-performing loans account for 2.1 percent of the portfolio and the CET1 ratio remained stable at 13.1 percent. In Southeast and Eastern Europe, credit growth of 7.7 percent and a return on equity of 10 percent were achieved. Currency-adjusted loan growth of around 12 percent and a return on equity of around 10 percent are forecast for the full year 2025. The common equity Tier 1 capital ratio is expected to be around 13 percent and the cost-to-income ratio is estimated at around 70 percent, a slight increase compared to previous expectations.
The ProCredit share is currently trading at 9.54 euros, which means an increase of 0.42 percent. The current developments represent a positive signal for investors and demonstrate the company's robust position on the market.