Procredit Holding Ag · XETR:PCZ
Procredit — Investor Day (October 2021)
23 slides from Procredit's investor day presentation, Oct 12, 2021
Slide 1: ProCredit on the ground: ProCredit Bank Bulgaria
Kameliya Mineva, Management Board member of ProCredit Bank Bulgaria Teodor Karaivanov, Branch manager ProCredit on the ground: ProCredit Bank Bulgaria Capital markets day, October 2021
Slide 2: Agenda
Agenda A ProCredit Bank Bulgaria at a glance B SME & private client profile C What makes us different? Appendix ProCredit Group | Capital markets day | Frankfurt am Main, 12 October 2021 1
Slide 3: ProCredit Bank Bulgaria at a glance
ProCredit Bank Bulgaria at a glance ► Established in Bulgaria in 2001 ► 10th largest bank by total assets out of 25 banks (Jun-21) ► Impact-oriented with excellent loan portfolio quality and sustainable profitability ► Highly digitalized and specialized on business clients ► Focused and efficient ne
Slide 4: Modern and highly efficient branch network
Modern and highly efficient branch network Branches are situated in the largest Bulgarian cities as well as Thessaloniki – head office in Sofia Russe BULGARIA Varna Sofia Burgas Stara Zagora Plovdiv GREECE Thessaloniki • Branches Head office ProCredit Group | Capital markets day | Frankfurt am Mai
Slide 5: Focus on business
Excursus: Competitor benchmarking Strong focus on SMEs supported by focused branch network and high degree of digitalization ProCredit Bank Bulgaria is the 10th Best-in-class focus on … translating into highest loan portfolio largest bank by overall loan portfolio business lending … per employee Tot
Slide 6: Lean and efficient set-up combined with high loan portfolio quality as key drivers for attractive profitability
Excursus: Competitor benchmarking Lean and efficient set-up combined with high loan portfolio quality as key drivers for attractive profitability Strong cost efficiency relative to … and superior loan portfolio quality … leading to both attractive and stable loan portfolio … bottom line profitabilit
Slide 7: Agenda
Agenda A ProCredit Bank Bulgaria at a glance B SME & private client profile C What makes us different? Appendix ProCredit Group | Capital markets day | Frankfurt am Main, 12 October 2021 6
Slide 8: Strong focus on SME clients as main drivers for economic development and innovation
Strong focus on SME clients as main drivers for economic development and innovation Business client loan portfolio focused on industries driving Innovative and forward looking SMEs as key target clients the overall economic development and employment Business clients loan portfolio by industry secto
Slide 9: Investment loans including green loans as largest part of the bank's loan portfolio
Investment loans including green loans as largest part of the bank’s loan portfolio Investment loans as targeted loan purpose … … with goal to be the preferred and trusted banking partner (‘Hausbank’) Business clients loan portfolio by purpose Jun-21 Working capital 26% Investment 44% Green & enviro
Slide 10: Snapshot – business loan portfolio structure
Snapshot – business loan portfolio structure Companies with 5 – 99 employees form the bulk of both client base and loan portfolio Business loan clients by number of Business loan portfolio by number of ► 96% of business loan clients in the company’s employees company’s employees 0,2% bucket 5 – 99 e
Slide 11: Selective approach towards clients as basis for successful and trusted long-term client relationships
Selective approach towards clients as basis for successful and trusted long-term client relationships Clients we work with Clients we do not work with Clear ownership and good references on the market x Exclusion list Established company with sustainable business model and financial results x Po
Slide 12: Our SME client profile – example of ELUKS LTD
Our SME client profile – example of ELUKS LTD Case study: ELUKS LTD ► Main activity: production of luminaires with LED and energy saving fluorescent lighting, est. 1992 ► Total assets: EUR 4.3m ► Annual income: EUR 3.9m ► Staff: 47 ► Counterparties: 80% of production exported to France, Germany and
Slide 13: Private client profile driven by selective and targeted approach
Private client profile driven by selective and targeted approach Selective approach towards private individuals and very small entrepreneurs Why private clients? ► 40% of the total deposit portfolio and 12% of the total loan portfolio of ProCredit Bank ► Part of the ‘Hausbank’ concept for SME client
Slide 14: Our private client profile – example customer support specialist
Our private client profile – example customer support specialist Case study: Customer support specialist ► Client background: Customer support specialist at a company producer of electronic components ► Age: 32-year old ► Monthly income: EUR 2,300 ► Co-debtor: 30-year old, graphic designer on matern
Slide 15: Our private client profile – example KUSI LTD
Our private client profile – example KUSI LTD Case study: KUSI LTD ► Main activity: Production and trade of bread, bakery products and sweets, est. 2015 ► Total assets: EUR 30,000 ► Annual income: EUR 125,000 ► Staff: 7 ► Business structure: Family business ► Client relationship: ► ProCredit Bank is
Slide 16: Agenda
Agenda A ProCredit Bank Bulgaria at a glance B SME & private client profile C What makes us different? Appendix ProCredit Group | Capital markets day | Frankfurt am Main, 12 October 2021 15
Slide 17: How we work with our clients driven by partnership approach
How we work with our clients driven by partnership approach Selective client acquisition ► Selective and individual approach towards loan and non-loan clients ► Partnership and business discussions (no price or product-oriented approach) Banking services highly automated with focus on client experie
Slide 18: Unique staff approach as key differentiating factor
Unique staff approach as key differentiating factor Business client advisors (‘BCA’) as ‘face to the client’ BCA main responsibilities ► Proactive research and creation of opportunities for building new partnerships and portfolio development ► Proposals for efficient acquisition and long-term partne
Slide 19: Strong growth of green loan portfolio with high share of renewable energy
Strong growth of green loan portfolio with high share of renewable energy Environmental Management System in place Developed methodology and well-trained staff to identify and assess green investments Specialized team in Head office coordinating green activities and lending EUR million 27% Gre
Slide 20: Our green lending portfolio – example BULGARIAN ORGANIROSE
Our green lending portfolio – example BULGARIAN ORGANIROSE Case study: BULGARIAN ORGANIROSE LTD ► Main activity: Cultivating 100% organic roses for the production of organic rose oil and rose water (certified by CERES under EU organic certification regulations 834/07 and 889/08), est. 1998 ► Total a
Slide 21: Thank you for your attention
Thank you for your attention ProCredit Bank Bulgaria
Slide 22: Notes and sources
Notes and sources Slide 4 (charts for: Business loan portfolio/Share of business loan portfolio and Loan portfolio per employee/Number of locations): Data for competitors’ loan portfolio taken from “Banks and Foreign Banks' Branches Data” as published by the Bulgarian National Bank (BNB) (https://
Slide 23: 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