ProCredit's H1 2026 Strategy Leads to Targeted Loan Growth

In the first half of 2026, ProCredit Holding AG reported an 8% growth in its loan portfolio, surpassing EUR 8 billion. This growth was driven by an increase in higher-yielding client segments, reflecting ProCredit’s ongoing strategic focus. The lender also saw its active client base swell by 27,000, with notable increases in micro and retail clients.

Operating income grew by 7%, supported by an 11.6% rise in net interest income, reaching EUR 191.3 million. Despite a decrease in net fee and commission income, the group maintained a cost-income ratio of 71.2%. ProCredit issued its inaugural EUR 150 million in AT1 bonds, optimizing its capital structure.

The bank plans a 12-15% loan growth for 2026. The return on equity stood at 6.7%, with expectations set for less volatility in foreign exchange. As of June 2026, the CET1 capital ratio was 12.7%, bolstered by the recent capital measures.