Procredit Holding Ag · XETR:PCZ
Procredit — Investor Day (October 2021)
14 slides from Procredit's investor day presentation, Oct 12, 2021
Slide 1: Key enablers: Technology and staff
Dr Gian Marco Felice, Management Board Member Key enablers: Technology and staff Capital markets day, October 2021
Slide 2: IT and staff are central to our strategy
IT and staff are central to our strategy Our approach to SMEs is based both on technology and client relationship ► Our channels give our customers a secure, easy and convenient access to services while saving cost for both the client and the bank Target SME segment ► They appreciate not wasting tim
Slide 3: Digitalization enabling real efficiencies
Digitalization enabling real efficiencies Loan portfolio per staff ProCredit Selected peers 2.3 2.0 1.6 1.6 ► Digitalization means higher efficiency and ability to 1.5 (in €m) 1.2 scale. The margin cost of on-boarding a new 0.9 0.9 0.8 customer onto our platform is negligible. 0.5 ► Streamlined infr
Slide 4: Key enabler: Technology
ێ ProCredit Key enabler: Technology
Slide 5: Seamless client interface with no need to visit branch
Seamless client interface with no need to visit branch ► Fast and easy remote account opening for private individuals ► Finished and available: ProCredit banks in Georgia, and small companies Romania, Bulgaria, Serbia, Kosovo and Ecuador ► A mobile-first, multichannel, approach ► Projects under impl
Slide 6: Strong digital channels both for Private Clients …
Strong digital channels both for Private Clients … A bank that is always by your side With the innovative features of the ProCredit Direct digital service package, anytime, anywhere digital payments… ► ApplePay ► Gpay ► Own e-wallet ► QR codes ► Instant payments via phone number or email … and non-f
Slide 7: … and Business Clients
… and Business Clients A Direct Bank for SMEs Fully integrated non-financial transactions particularly relevant for SMEs: ► Integration of qualified digital signatures to exchange certificates and contracts ► Different level of authorizations tailored made for the organizational structure of each SM
Slide 8: Quipu: our core technology provider
Quipu: our core technology provider Our group technology company - Quipu Insourcing IT brings many benefits ► Proprietary, vertically integrated, technology stack Software: core banking system & electronic channels ► No legacy IT systems ► Technology priorities under end-to-end control ► Agile roll-
Slide 9: Our Technology Roadmap
Our Technology Roadmap 2004 – 2021 2022 / 23 2024 and later Substantial tech ‘investment’: Quipu alone ~ €280m Annual budget: Approx. €35m for entire technology stack (research, development, maintenance) Finished: Current projects: Outlook: >99.9% of client transactions ► Finalize centralization o
Slide 10: Key enabler: Staff
ێ ProCredit Key enabler: Staff
Slide 11: Our staff makes the real difference
Our staff makes the real difference In numbers... Select 50% / 50% < factor 4 3 ► A diversified education background diversity of women / men avg. manager pay vs. steps max between PCH in management positions other staff MB and anyone else ► Social and analytical skills assessed over a 2-weeks perio
Slide 12: Thank you for your attention
Thank you for your attention ProCredit Academy 11
Slide 13: Notes and sources
Notes and sources Slide 2: Data on peers based on the most recent stand-alone financial information of peer groups’ banks operating in the ten Eastern European markets in which ProCredit is also present Stated values are aggregates of the banks‘ standalone financial data in the CESEE countries w
Slide 14: 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 & Co. KGaA, Frankfurt am Main, Federal looking statements including statements regarding our intent, belief