Procredit Holding Ag · XETR:PCZ
Procredit — Investor Presentation (January 2026)
27 slides from Procredit's investor presentation, January 2026
Slide 1: The German impact bank for South Eastern & Eastern Europe
The German impact bank for South Eastern & Eastern Europe January 2026 Investor presentation | January 2026
Slide 2: Impact-oriented business practices embedded into our DNA
Impact-oriented business practices embedded into our DNA “ Responsible banking in transition economies allows to combine comprehensive positive impact with ’’ attractive and sustainable returns for investors Economic Environmental Social ~200k 62% ~20% Net-zero Extensive ~20% jobs supported of our b
Slide 3: The German impact bank for SEE and EE
The German impact bank for SEE and EE Strong positioning for increased scale ► Frankfurt listed, Prime Standard Bank 11 ~317k ~€11bn ► BaFin / Bundesbank regulated Holding SEE/EE countries clients balance sheet of operation(1) Simple asset and liability structure ► 12 self-sufficient green-field
Slide 4: Management focused to transform ProCredit into thriving banking group
Management focused to transform ProCredit into thriving banking group Past Mid-term Future ROE: 12%(1) ROE: ~13-14% + ~1.5pp upside potential from Ukraine(2) CIR: 60%(1) CIR: ~57% Loans: €6.2bn(1) Loans: >€10bn Further capital optimisation potential Fully digital infrastructure M&A to scale up and S
Slide 5: Delivering on strategic priorities laid out at Capital Markets Day
Delivering on strategic priorities laid out at Capital Markets Day Firmly in execution phase of business strategy Balance sheet transformation well underway • New strategy communicated Lower-volume segments small, micro and private at Capital Markets Day in Mar-24, clients contributing strongly to b
Slide 6: Investment highlights
Investment highlights 1 Impact banking group regulated and listed in Germany, with diversified presence across 13 countries servicing micro-, small- and medium enterprises and private clients 2 Focus on EU accession markets in South Eastern and Eastern Europe with attractive economic growth Prudent
Slide 7: Focus on MSME and Private Individuals as core clients
1 Focus on MSME and Private Individuals as core clients Retail Business Private individuals Micro SME Loans Retail Client Very Small: Small: Medium: 13% Standardised retail (Up to € 100k) (€ 100 – 750k) (> € 750k) Micro Medium (exposure) 53% 4% Q3-25: €7.6bn Service ProCredit Direct Hausbank Small 2
Slide 8: Strong regional footprint in highly attractive markets
2 Strong regional footprint in highly attractive markets Group focus on attractive SEE/EE region Key macro factors Growth outlook ► Countries with high GDP Median real GDP growth ’26-’30 growth and low banking Serbia Romania Moldova Ukraine 3.4% sector penetration €1,079m €466m €248m €569m 14% 6% 3%
Slide 9: Prudent lending practices
3 Prudent lending practices Lending Strategy Well-diversified loan book Consistently low default rates By geography (Q3-25) Share of loan portfolio in Stage 3 ► Careful client selection and South Eastern Europe: 77% Eastern Europe: 17% strong client relationships Germany 0% Ecuador 6% Moldova 3% 2.1
Slide 10: Attractive and sustainable financial profile set for growth
4 Attractive and sustainable financial profile set for growth Loan book and net interest margin 2.9% 2.9% 3.1% 3.6% 3.5% 3.2% NIM 10.0 7% CAGR 1 ► Track record of high loan growth at attractive margins 9.0 1 7.6 8.0 7.0 1 ► Average 7% annual growth over past 5 years, 5.9 6.1 6.2 Retail with accelera
Slide 11: Attractive and sustainable financial profile set for growth
4 Attractive and sustainable financial profile set for growth Operating expenses and C/I ratio 500 450 68.0% 64.2% 64.0% 59.9% 68.1% 71.3% C/I ratio 400 350 303 ► Efficiency well improved until 2023 to ~60% C/I ratio 247 300 217 231 250 Personnel ► Strategic growth investments into staff, branches,
Slide 12: Low-risk balance sheet with local deposit funding
5 Low-risk balance sheet with local deposit funding Assets €11.1bn €11.1bn Liabilities Other Other Loans (in €bn) 0,8 Liabilities to Deposits (in €bn) banks 44% share of Retail deposits 7% CAGR vs. 41% in FY-23 7.6 8.6 ‘20-’24 14% CAGR Retail Green Investment ’20-’24 1.0 Retail clients 0.3 Micro loa
Slide 13: Experienced Management focused to deliver on set financial goals
6 Experienced Management focused to deliver on set financial goals Senior Management leading ProCredit Holding Strong track record of delivering on RoE outlook FY 2017 FY 2018 Hubert Eriola Christian Christian Christoph Georgios FY 2019 Spechtenhauser Bibolli Dagrosa Dagrosa Beeck Chatzis CEO
Slide 14: ProCredit's medium-term ambitions
ProCredit’s medium-term ambitions Medium-term guidance Target operating model >€10bn loan portfolio (based on significant growth Leading bank for MSMEs in our region in # of clients) Return on equity ~13-14% (w/o ~1.5pp upside potential Attractive bank for private clients with superior customer expe
Slide 15: Appendix
Appendix Investor presentation | January 2026 14
Slide 16: Our approach to banking
Our approach to banking Investor presentation | January 2026 15
Slide 17: Attractive and highly relevant region - particularly in context of EU accession
Attractive and highly relevant region - particularly in context of EU accession South Eastern Europe ProCredit active Albania, Bosnia, in 13 countries Bulgaria, Greece Kosovo, North Macedonia, Romania, Serbia Serving >300k clients Eastern Europe Georgia, Moldova, Ukraine Responsible Other banking pa
Slide 18: We make a difference for our clients
We make a difference for our clients Economic Environmental Responsibility Transparency development sustainability Trusted, Act responsibly Transparent and Comprehensive long-term towards clients, fair banking approach throughout banking partner environment & societies products organization MSMEs of
Slide 19: How we work with our clients
How we work with our clients ProCredit Strict customer focus customer-centric Hausbank approach approach: Cater all main client demands True understanding of clients’ needs and risks rigorous client selection + high service quality Prudent credit risk Strong digital channels + Central role of Busine
Slide 20: A team with shared values
A team with shared values Our key strength is our ~4,700 people Carefully selected, well-trained Develop staff and loyal staff capacities in own academies Clear salary structures and career options Share best Professional development in banking practices and and humanities become Strong commitment t
Slide 21: 9M 2025 and FY 2024 results
9M 2025 and FY 2024 results Investor presentation | January 2026 20
Slide 22: 9M 2025: Reinforcing strategic direction of growth and digital transformation
9M 2025: Reinforcing strategic direction of growth and digital transformation Strong progress on loan growth and balance sheet transformation: loans grow by 10.2%1 of which ~80% driven by granular, lower-volume client segments Group result of €58.2m or 7.4% RoE reflecting positive underlying trends
Slide 23: 9M 2025 results at a glance
9M 2025 results at a glance In EUR m 9M-24 9M-25 Y-o-Y Net interest income 270.6 260.8 -9.8 Net fee and commission income 67.2 71.0 3.8 Other operating income (net) -7.1 -8.1 -1.0 Operating income 330.7 323.7 -7.0 Income Personnel expenses 106.4 116.8 10.4 statement Administrative expenses 110.8 114
Slide 24: FY 2024 results at a glance
FY 2024 results at a glance In EUR m FY-23 FY-24 Y-o-Y Net interest income 337.2 358.2 21.0 Net fee and commission income 57.5 59.2 1.6 Other operating income (net) 17.8 26.9 9.1 Operating income 412.5 444.3 31.8 Income Personnel expenses 120.6 146.8 26.1 statement Administrative expenses 126.3 156.
Slide 25: Shareholder structure
Shareholder structure Investor presentation | January 2026 24
Slide 26: ProCredit ownership
ProCredit ownership Shareholder structure of ProCredit Holding AG Key information FREE-FLOAT Stock Exchange Frankfurt Stock Exchange (Shareholdings below 5%) 47.3% Segment Prime Standard Trading symbol PCZ 18.3% 13.2% 8.7% 12.5% Note: Shareholder structure based on voting right notification or volun
Slide 27: Disclaimer
Disclaimer The material in this presentation and further supporting documents have been This presentation and further supporting documents may contain forward- prepared by ProCredit Holding AG, Frankfurt am Main, Federal Republic of looking statements, including statements regarding our intent, beli
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