Better Health for All

ProCredit Holding AG is a financial institution providing banking services such as loans, deposits, and transaction services.

Its core business activities do not inherently have a direct positive or negative impact on health outcomes. The company does not produce health-related products or services, nor does it engage in activities that typically generate health risks, require health-specific R&D, or involve health data management. While the company focuses on environmental management and financial inclusion for SMEs, there is no evidence provided that directly links its operations to the specific health-related metrics outlined in the rubric. Therefore, its operations are considered neutral across all health-related KPIs.

Fair Money & Economic Opportunity

ProCredit Holding demonstrates a strong commitment to inclusion, with 89.9% of its customer loan portfolio dedicated to business loans (SMEs) as of December 2023.

These initiatives have supported the creation of 193,344 jobs for SME clients. The company also engages in financial literacy initiatives, such as a 4-month project in Serbia reaching 1500 secondary school students across 51 schools in 20 cities/towns.

Fair Pay & Worker Respect

The CEO to median employee pay ratio was between 2.3 and 6.9 in fiscal year 2021, and between 2.1 and 7.2 in fiscal year 2020.

The company's remuneration policy is aligned with long-term objectives and does not include short-term bonuses.

Fair Trade & Ethical Sourcing

ProCredit Holding AG & Co. KGaA is a banking group.

The provided articles do not contain specific quantitative data relevant to the fair trade and ethical sourcing KPIs, which are primarily associated with the procurement or trading of physical commodities and their associated supply chain practices. For KPIs such as fair_trade_cert_share, audit_frequency, forced_child_labour_incidents, traceability_coverage, remediation_speed, and materials_risk_index, the company's business model as a financial institution means it does not procure or trade physical commodities, nor does it have a supplier base requiring welfare or sourcing audits, exposure to upstream labor practices, or material sourcing of at-risk inputs in the context typically assessed by these KPIs. Therefore, these KPIs are scored as N/A.

Honest & Fair Business

ProCredit Holding has a formal whistleblower protection policy with various reporting channels, including anonymous contact via email and reporting boxes, and explicitly prohibits retaliation.

However, there is no evidence of independent investigation processes for these reports. The company also maintains a strong anti-corruption and anti-bribery policy that prohibits bribery, kickbacks, and facilitation payments, and emphasizes due diligence for clients, partners, and suppliers. It provides mandatory and ongoing training for all employees on money laundering risks and preventative measures, and uses computer-based monitoring systems.

Kind to Animals

As a financial institution, the company does not produce products requiring cruelty-free certification, conduct animal testing, or operate animal husbandry facilities, rendering several KPIs not applicable. The company has an Animal Welfare Strategy, approved by ProCredit Bank Kosovo, focusing on ensuring compliance with standards for humane and ethical treatment of animals in livestock farming and cattle raising for its clients.

However, at least 30% of EUR 10 million credit facilities are earmarked for sustainable agriculture and animal welfare measures, implying that a significant portion of lending is not specifically allocated to animal welfare. The company also conducts enhanced training on animal welfare for 1,300 participants over 4,000 hours in 2022. For its internal operations, the company's catering offers two vegetarian dishes per meal and reduces meat variation, but this is not a direct measure of animal agriculture ethics in its core business or supply chain. The company's Exclusion List prohibits financing activities related to hunting and trading in wildlife or wildlife products, and projects within or adjacent to protected areas, but this is a risk management approach rather than direct conservation impact. The company presents its activities in line with the UN Sustainable Development Goals in its Impact Report and adheres to initiatives like the UN Global Compact and UNEP-FI Principles for Responsible Banking, which indicates support for basic welfare reforms when industry consensus exists, but no leadership position.

No War, No Weapons

The company has a group-wide Exclusion List that explicitly prohibits financing the production of and trade in weapons and munitions, indicating 0% revenue from arms contracts and a clear corporate ban on military sales.

This Exclusion List also serves as a formal divestment policy for conflict-zone exposures and as a legally binding corporate code enshrining a ban on any arms industry engagement. All potential customers are screened against approximately 700 sanction lists, black lists, and watch lists, demonstrating an absolute prohibition on sanctioned-regime exports enforced by automated controls. The company joined the UN Global Compact to align operations and strategies with 10 universally accepted principles in human rights, labor, environment, and anti-corruption, indicating full alignment with UN Guiding Principles on Business and Human Rights. The Exclusion List also ensures verified zero exposure to controversial weapons by prohibiting their financing. ProCredit Holding and individual ProCredit banks do not engage in lobbying activities, meaning no defense-related lobbying. The group-wide supplier selection process requires compliance with the Exclusion List, exceeding humanitarian procurement standards by not using military suppliers. Annual human-rights due diligence is conducted in high-risk regions, with remediation tracked. Annual operational risk and information security risk assessments are performed, with executive summaries publicly available. The company demonstrates 100% compliance with ethical standards in core business operations, as all contractual suppliers are screened against the Exclusion List.

Planet-Friendly Business

In 2022, the company's total Scope 1, 2, and 3 greenhouse gas emissions were 0.774 M tCO₂e.

Its near-term emission reduction targets have been validated by the SBTi, and it has committed to setting near- and long-term targets for the group in line with the SBTi Net-Zero Standard. The company aims to reduce its absolute Scope 1 and Scope 2 GHG emissions by 42% by 2030 from a 2022 base year. It sources electricity exclusively from renewable providers since 2016 and aims to source 50% of electricity consumption with renewable energy through guarantees of origin by 2030. Six head offices have achieved green building certification (EDGE). The company achieved a 100% recycling rate for paper waste and electronic waste in 2023. It reports alignment with the EU Taxonomy and has established a taxonomy screening process. A sustainable procurement guideline has been developed, and 90% of suppliers are screened using this guideline, with 40% classified as sustainable. No environmental compliance violations were reported. The company conducts environmental and social risk assessments for customers' activities, requiring external impact assessments when necessary. Its net-zero emissions target is set for 2050. The company plans to disclose information on ESRS E1 “Climate change” as a first step towards TCFD adoption. It annually assesses climate change scenarios for physical and transition risks, including stress tests. The company's exclusion list significantly reduces exposure to transition risk, including fossil fuel extraction, limiting stranded asset risk. Reusable take-away boxes were introduced, resulting in a 3% reduction in single-use packaging waste.

Zero Waste & Sustainable Products

ProCredit has implemented several waste reduction initiatives, including staff awareness campaigns, internal criteria for reducing plastic purchases, guidance documents, and plans to phase out plastic items in office spaces.

The company also has a comprehensive Plastic Strategy and is a member of the Finance Leadership Group on Plastics. Regarding hazardous waste, ProCredit stopped financing projects involving solar panel equipment from China's Xinjiang region in 2021 due to allegations of forced labor, and implemented a group-wide guideline for optimizing credit decisions in response. A sustainable procurement guideline outlines expectations for responsible sourcing and purchasing, including environmental standards for significant suppliers. The company has not reported any waste disposal violations in the past three years.