Procredit Holding Ag · XETR:PCZ
Procredit — Investor Presentation (August 2026)
30 slides from Procredit's investor presentation, August 2026
Slide 1: In a world of change, we bank on people
IN A WORLD OF CHANGE, WE BANK ON PEOPLE Empowering MSMEs and households in Eastern Europe Investor Presentation, August 2026
Slide 2: Who we are
WHO WE ARE OUR STRATEGIC PRIORITIES FINANCIALS AND OUTLOOK ANNEX WHO WE ARE 2
Slide 3: Who we are | where we go
Who we are | where we go 11 A leading and growing Building a mobile-first SEE/EE countries banking franchise for retail bank rooted in of operation MSMEs in SEE and EE convenience and trust ~360k clients Human-driven, Superior underwriting trusted brand, capabilities, future-ready advancing digital
Slide 4: South Eastern and Eastern Europe is our home market
South Eastern and Eastern Europe is our home market ProCredit regional franchise Decades of presence in our regions Trusted, long-term relationships with > 90,000 MSME clients Unique regional network with winning offer for our customers Local management: deep market and client knowledge Strong macro
Slide 5: Founded in strong corporate governance
Founded in strong corporate governance Frankfurt listed. Financial BaFin / Bundesbank holding regulated. ProCredit ProCredit Bank ProCredit Bank ProCredit Bank Bank Albania Georgia N. Macedonia Ukraine All banks fully-owned with high strategic 100% alignment. ProCredit Bank ProCredit Bank ProCredit
Slide 6: Strong loan growth with superior underwriting
Strong loan growth with superior underwriting Germany Ecuador 1% Investment 6% Moldova and other 6% 3% Housing Georgia Bulgaria 20% 9% Trade 6% 24% Ukraine Other economic 8% activities 11% Albania Serbia 5% Hotel, restaurant By sector 14% 3% Bosnia & Herz. Transportation Production 5% 4% 17% Greece
Slide 7: A team with shared values
A team with shared values Senior Management leading ProCredit Strong and loyal Eriola Bibolli Christoph Beeck George Chatzis Christian Dagrosa Mirsad Haliti Kastriot Suka Amir Salkanović Srđan Ožegović local management: ProCredit Holding ProCredit Holding ProCredit Holding ProCredit Holding PCB Alba
Slide 8: Our strategic priorities
WHO WE ARE OUR STRATEGIC PRIORITIES FINANCIALS AND OUTLOOK ANNEX OUR STRATEGIC PRIORITIES 8
Slide 9: We strive to be the leading banking franchise for MSMEs and a mobile-first retail bank
We strive to be the leading banking franchise for MSMEs and a mobile-first retail bank in our home region South Eastern and Eastern Europe – digital, impactful and relevant to our markets Investor Presentation, August 2026 9
Slide 10: Our strategic priorities
Our strategic priorities Profitability Growth Positioning ► Medium-term RoE of ► Scale operations and # clients ► Strengthen our position as a ~13 – 14% (+upside) banking with ProCredit leading bank for MSMEs, and ► Highly granular balance ► Loan portfolio > EUR 10bn ► Become a mobile-first retail s
Slide 11: ProCredit on track in strategic transformation process
ProCredit on track in strategic transformation process Hausbank for SME model Accelerated profitable growth Future potential Historical long- FY-23: FY-25: Mid-term outlook: term average: 12.2% RoE 7.8% RoE ~13-14% RoE RoE ~9% at €6.2bn at €7.8bn + 1.5pp upside (2005 - 2025) loan portfolio loan port
Slide 12: Scale across our client segments, enabler digital transformation
Scale across our client segments, enabler digital transformation I SME Expanding and deepening our SME franchise ProCredit client specialisation II Micro Accelerated growth with micro clients Retail Building an attractive mobile-first retail III banking banking franchise Digital banking and technolo
Slide 13: SME clients | Expanding and deepening our franchise
I SME clients | Expanding and deepening our franchise SUPPLEMENTARY INFORMATION Market SMEs contribute largest part of GDP and Strategic rationale context employment in our countries of operation Foundation of the group, with high-quality and long-term client relationships Client Formalised structur
Slide 14: Micro clients | Accelerated growth at superior risk underwriting
II Micro clients | Accelerated growth at superior risk underwriting SUPPLEMENTARY INFORMATION Market Micro enterprises constitute the majority of Strategic rationale context registered businesses across our markets Structurally attractive margins Highly relevant and sizeable segment Balance-sheet gr
Slide 15: Retail banking clients | Building an attractive mobile-first franchise
III Retail banking clients | Building an attractive mobile-first franchise SUPPLEMENTARY INFORMATION Market Serving 11 markets in SEE/EE with a Strategic rationale context population of ~90m On top of a well-trusted SME franchise Service Customer-centric, end-to-end digital Strong business expansion
Slide 16: Our new digital banking apps
Our new digital banking apps Retail clients Legal entities Daily Banking & Payments Unified Access Own, intrabank and national transfers, FX Multi-profile switcher for retail and business Instant payments with real-time push notifications entity accounts Shake to Pay, P2P, Request to Pay, QR Code Pa
Slide 17: Our synergetic platform for strong and profitable growth
Our synergetic platform for strong and profitable growth • Cornerstone of ProCredit’s strong reputation and positioning ~50k SME • Relationship, partnerships and data factory potential SME clients • Brings together employees, owners, families, suppliers, micro customers • Critical part of supply cha
Slide 18: Multi-year digital banking transformation advancing at strong pace
Multi-year digital banking transformation advancing at strong pace Customer Digital Technology experience operating model platform What customers see How we deliver What enables scale • New mobile apps for retail clients as a • Agile Squad Model and product- • Core banking system modernisation, grou
Slide 19: Strategic priorities for FY 2029 target operating model
Strategic priorities for FY 2029 target operating model Strategic enablers in execution Operational KPIs (FY 2025 to FY 2029) Growth and Scale operations and amplify number of clients banking with FY-25 H1-26 FY-29 operational leverage ProCredit; critical size and ‘hurdle RoE’ in each country # acti
Slide 20: Financials and outlook
WHO WE ARE OUR STRATEGIC PRIORITIES FINANCIALS AND OUTLOOK ANNEX FINANCIALS AND OUTLOOK 20
Slide 21: Balance sheet transformation progressing at good pace
Balance sheet transformation progressing at good pace Loan portfolio (€bn) Customer deposits (€bn) 8.4 9.3 9.1 7.8 8.3 7.0 7.3 Retail 6.2 Higher- yielding clients segments 45% 49% 44% 48% 43% 44% 41% 42% (in EUR bn) (in EUR bn) FY-23 FY-24 FY-25 H1-26 FY-23 FY-24 FY-25 H1-26 Medium Small Micro Retai
Slide 22: Financial results reflect strategic transition
Financial results reflect strategic transition In EUR m H1-25 H1-26 Volume growth and NIM expansion drive NII increase Net interest income 171.3 191.3 Net fee and commission income 47.0 44.0 120.0 3.3% 3.3% 3.4% 3.2% 3.2% Net other operating income -5.3 -8.1 100.0 Operating income 213.1 227.2 80.0 P
Slide 23: Low-risk and simple balance sheet
Low-risk and simple balance sheet €11.9bn €11.9bn Diversified loan book Other Other Local deposit funding, >60% share Liabilities 0.8 to banks current and savings accounts Investment Term deposit Current Working loans accounts accounts capital loans 34% 66% 38% 40% Loans to 8.4 customer 22% 9.3 Savi
Slide 24: Building blocks for enhanced RoE ambition until FY 2029
Building blocks for enhanced RoE ambition until FY 2029 Income Growth in # clients and loan portfolio: More than doubling # clients and strong loan growth Medium-term growth guidance Accelerated growth in higher-yielding segments: Micro and consumer portfolios to grow significantly, SME to remai
Slide 25: Investment highlights
Investment highlights A leading and growing banking franchise for >90k MSME clients in SEE and EE Adding a mobile-first retail bank to the franchise with significant untapped potential All bank subsidiaries fully owned with high strategic alignment Targeting ~13-14% RoE by 2029 with further +1.5pp u
Slide 26: Annex
WHO WE ARE OUR STRATEGIC PRIORITIES FINANCIALS AND OUTLOOK ANNEX ANNEX 26
Slide 27: FY 2026 extraordinary developments
FY 2026 extraordinary developments Long-term strategic benefits Negative P&L effects expected for FY 2026 Intended Become a regionally focused, ‘pure play’ banking group Transaction effects (purchase price vs. IFRS book value and High single- to low divestiture of with operations in 11 markets in
Slide 28: Broad-based rollouts and implementations in 2026
Broad-based rollouts and implementations in 2026 2024/25 2026 2027 ff. Built-up capabilities, resources ► Rollouts in remaining banks: and organizational structures new retail mobile banking apps, ► Remaining for digital scale digital onboarding and digital implementations, largely installment Ret
Slide 29: ProCredit share and ownership
ProCredit share and ownership Shareholder structure of ProCredit Holding AG FREE-FLOAT (Shareholdings below 5%) Key information 47.3% 18.3% Stock Exchange Frankfurt Stock Exchange Segment Prime Standard 13.2% 8.7% Trading symbol PCZ 12.5% Note: Shareholder structure based on voting right notificatio
Slide 30: 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
ProCredit Holding — Investor Presentation (August 2026) on 6ix