Business ethics


Ethical and environmental considerations are fully integrated into our business model. Treating colleagues and clients, as well as the societies and environments in which we work, with respect and a long-term perspective is central to our philosophy and our success. Our corporate values form the foundation of our business ethics. The following principles guide the operations of the ProCredit institutions:


We provide transparent information to our clients, to the general public and to our employees.

For example, we ensure that clients fully understand the terms of the agreements they conclude with us, and we engage in financial education in order to raise public awareness of the dangers of intransparent financial offers.

A culture of open communication

We communicate openly, fairly and constructively with each other. We deal with conflicts at work in a professional manner, working together to find solutions.

Social responsibility and tolerance

We offer our clients comprehensive, well-founded advice. Before offering loans to our clients, we assess their economic and financial situation, their business potential and their repayment capacity in order to provide them with appropriate financial services and to avoid over-indebting them.

In addition, we are committed to treating all customers and employees with fairness and respect, regardless of their race, ethnicity, age, disability, sexual orientation, gender, religion or belief.

We also ensure that requests for loans are evaluated in terms of the applicant’s compliance with our ethical business practices.

No loans are issued to enterprises or individuals if there is any reason to believe that they make use of unsafe, environmentally harmful or morally objectionable forms of labour, in particular child labour. Therefore, we have: 

Exclusion list

High professional standards

Our employees take personal responsibility for the quality of their work and always strive to grow as professionals.

Personal integrity and commitment

Absolute honesty is required of all employees in the ProCredit group at all times, and any breaches of this principle are swiftly and rigorously dealt with.

Together with our mission statement, these principles represent the backbone of our corporate culture and are actively applied in our day-to-day operations. They are reflected in the ProCredit Code of Conduct, which translates the group’s principles into practical guidelines for our staff.

Code of Conduct

Code of Conduct


Whistleblowing system

The development-oriented ProCredit Bank as a part of ProCredit Groupis committed to maintaining high ethical standards with regard to its business activities and their impact on the environment and the social environment.
Our aim is to promote unbiased communication within the ProCredit Bank based on a common “ethical compass” and to create a professional climate in which honest and credible communication is a matter of course.

We therefore offer an open working atmosphere, which enables our employees to communicate directly with team leaders, Human Resources, Internal Audit, the Compliance Officer or Management. In addition, ProCredit bank has whistleblowing systems that also allow for anonymous contact if grievances need to be addressed.

All employees and managers of the ProCredit Bank, as well as our customers, business partners and the general public, bear the responsibility for noticing and clearly addressing illegal, fraudulent or unethical behavior.
If, in connection with our business activities, you wish to disclose information about actions that have been committed with criminal intent, such as criminal violations of our Code of Conduct, internal policies or procedures, or violations of applicable law, you may contact us at the following address:

We process all indications of violations committed with criminal intent consistently and according to equal standards.